vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute Under 15 USC 1681 - Data Breach-Related Issue Dear CFPB, I am writing to dispute an issue related to a recent data breach. My personal information was compromised, and I have reason to believe that my credit report and/or financial accounts may have been affected.

The details of my dispute are as follows : - Date of Data Breach : XX/XX/year>. 

I request that the CFPB investigate this matter and take necessary steps to : 1. Remove any unauthorized accounts/inquiries/errors from my credit report.

2. Provide me with a complimentary credit report and credit monitoring services. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute Under 15 USC 1681 - Data Breach-Related Issue Dear CFPB, I am writing to dispute an issue related to a recent data breach. My personal information was compromised, and I have reason to believe that my credit report and/or financial accounts may have been affected.

The details of my dispute are as follows : - Date of Data Breach : XX/XX/2024. 

I request that the CFPB investigate this matter and take necessary steps to : 1. Remove any unauthorized accounts/inquiries/errors from my credit report.

2. Provide me with a complimentary credit report and credit monitoring services. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It's been a while since I took action, and so far, there has been no resolution. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Called them back in XXXX  of XXXX made promises to clear up my credit and caused more problems than what they promised. Cost me over {$1500.00} trying to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I submitted a complaint to the CFPB in regards to XXXX XXXX BACK IN XX/XX/XXXX relating to various names and llcs being used to collect on an original Capitol one debt back in XXXX totaling {$6600.00} due to XXXX. I have asked repeatedly for XXXX XXXX  to provide specific proof of debt purchase showing their ownership of this debt to collect on. Since XX/XX/XXXX and despite my request, the debt purchase documentation has not been provided. What was provided was Capitol One statements only and my original contract with Capitol one as attached. XXXX XXXX has placed this debt on my credit reports and has not once reached out to me in regards to this his debt. Since XX/XX/XXXX this debt was in a debt consolidation program with XXXX, however I have opted out of that program. I am requesting this specific information to ensure they have legal ownership to collect on this Debt in order to make small monthly payments. I will also be forwarding this complaint over to the FTC for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Comerica
State: VI

Complaint narrative:
Purchased items on XXXX that I need on XX/XX/2024 and got a message from XXXX XXXX that my debit card was declined because I exceeded a " transaction limit ''. I called Direct Express and spoke to both a customer service person and on XX/XX/2024 to a supervisor. Both could not tell me what my " transaction limit '' was and what I could do to free up my card. The supervisor told me the transaction limit was a " feature '' of my card and I could not request it be removed. He also told me there was nothing I could do or how long the " transaction limit '' hold would apply and when I could expect to use my card again at stores. Both Direct Express customer service person and supervisor suggested I use " an alternative form of payment '' or go to an ATM and withdraw cash as needed. I told them my social security was my only income and the Direct Express card was my only " form of payment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed : {$0.00} Chargeoff

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I am filing a complaint against Capital One for failure to comply with federal tax law under Internal Revenue Code 6050P and Treasury Regulation 1.6050P-1. My account was charged off or canceled, but I have not received a 1099-C as required by law. The debt in question exceeds {$600.00}, which mandates reporting to the IRS and providing me a copy. The creditors failure to furnish the 1099-C is causing confusion regarding the status of the debt and its tax implications. I request that the CFPB investigate this matter and require the creditor to comply with applicable laws.

The Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5481 et seq. - addresses the harm caused to consumers by unfair, deceptive, or abusive practices, particularly in credit reporting. The CFPA empowers the Consumer Financial Protection Bureau ( CFPB ) to regulate these practices, known as UDAAPs ( Unfair, Deceptive, or Abusive Acts or Practices ), in consumer financial products.

Capital One 's actions are significantly harming my credit score, which constitutes an unfair or deceptive act. Such practices undermine the integrity of the credit reporting system and negatively impact my ability to manage my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, Upon pulling my credit reports from Trans Union I discovered that you had reported fraudulent inquiries within my credit file. This account has previously been disputed with your company, which advised me to continue the dispute with you. My credit file has been impacted by these fraudulent inquiries. The below creditors have no proof that I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. In light of the fact that there is no evidence of my authorization, nor any permissible purpose, I request that you remove these authorized inquiries from my credit report immediately. In accordance with Section 604 of the Fair Credit Reporting Act, consumer reports may only be used for the purposes described in 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that the consumer initiates. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act. 
In order to clear up this matter, I would like to see these inquiries removed from my credit file. 
If not, then reporting inaccurate information is also a violation of the FCRA under 623 ( a ). In order to avoid a lawsuit, I request that you DELETE these inquiries from my credit report. These accounts were not opened by me, and I did not give my authorization for them to be pulled. 
Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Lincoln Financial Services
State: NE

Complaint narrative:
I have called Lincoln Finacial 8 times in a 2 week period to resolve my problem, I requested a hardship withdraw and got approved for it couple weeks ago I have the email they sent out when someone gets approved how ever I had to call 2 days later because I never saw the account and their reason was they missed some information and never notified me of it so the send it to processing again, however 2 days later I end up calling again for the same reason and this time the guy on the phone said I was just missing landlords phone number it has being like this ever since than same thing over and over and I still dont see any of my money deposited this money I requested dude to an eviction letter I got from my landlord and of course they all the right documents to prove this. I would never pick this bank but my ex employer picked this as our XXXX bank unfortunately but all the bad reviews they have make sense.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
THIS IS IDENTITY THEFT. I DID NOT AUTHORIZE THIS INQUIRY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Byrider Franchising, LLC
State: RI

Complaint narrative:
There is several reasons I am reporting this company CNAC not only for negative marks on my credit but also threatening me with legal action or that my credit is affected I believe the guy named XXXX who was the person who originally sold us this car but when many occasions after we have gotten a debt paid down to {$3000.00} the transmission went so with me facing financial hardship and having to go through route of bankruptcy, I informed them that I want to do a voluntary repossession that is XXXX XXXX said because the transmission did not work. This was not how the contract worked that I could not turn in this vehicle that I was unable to you know do something without severe repercussions so I intern told him that it was a voluntary repossession that it would be paid off the end of XXXX beginning of XXXX I called him at the beginning of this month the end month and my husband who is a co-buyer witnessed me calling them. He even called to speak with CNACS manager by the name of XXXX I do not have none of these peoples last names but at XXXX point in time, the car lot was called XXXX XXXX in XXXX XXXX, XXXX. They never once took accountability for an over priced used car and actually did the appropriate maintenance as they were supposed to. Please note these people are the very definition of liars and thats fact!!! Please investigate these want to be financial institution for car loans. Im sure you all have tons of reports on these people. I tried so many times to get this car picked up as I can not bring them a none working car and with money being tight and facing bankruptcy they will not pick up this vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The lack of concrete evidence to support the accounts reliability and the spread of unverified information clearly violate the statutory requirements of 15 USC 1681i ( 7 ). This non-compliance is both troubling and frustrating, given the importance of following legal obligations. 

I strongly urge the immediate removal of this account under the specified regulations unless verifiable evidence is promptly provided to confirm its authenticity. Delaying resolution only worsens the frustration caused by this disregard for regulatory standards and legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: HI

Complaint narrative:
I got stationed to Hawaii and leased a XXXX XXXX back in XX/XX/year> when I moved on the island. I thought I had put on auto payment ( thats what I heard from my dealer representative when I leased my car ) and went on an overseas XXXX and other war exercises. 

My wife usually manages finance, so I thought everything was good and I was busy with settling in, XXXX, and work. 

On XXXX XX/XX/year>, while sitting in my car during lunch, a car repo agent hooked, and repossessed my vehicle. Thats when I first found out that my account has been in delinquency since XXXX or XXXX. I never got any notice or letter of it and it was a total surprise. We think it was because we moved around before settling in and got a new mailing address in XXXX. 

I called Hyundai Finance right away and paid off what I owed plus repossession, late fees, and towing charges when I went to pick up my vehicle. 

I have never experienced this before and I am very concerned that it has negatively affected my otherwise excellent credit rating ( went down to around XXXX from close to XXXX ). 

In my case, Hyundai Finance clearly repossessed my vehicle without a court order or any other notices. I believe that is a clear violation of SCRA. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Im currently a business account owner with US BANK, almost every single transaction whether it amounts to XXXX dollars or {$500.00}, the bank is always declining my transactions. They refuse to allow anything to go through and Im always on a roller coaster of experience when attempting to make a purchase using my card. I have never experienced any fraud or anything with this account yet US BANK takes it a problem themselves to block every single transaction. 

Recently, they declined the transaction from XXXX XXXX in the amount of {$130.00}, it took the money out of my balance and did not reflect on processing transactions. 

I attempted to contact the bank on XXXX XXXX and XXXX XXXX  so so I can get the gifts that I needed however, no one was available to help out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation