vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
Subject : Immediate Demand for Debt Validation under 15 U.S.C. 1692g ( b ) and FCRA 15 U.S.C. 1681 To the Compliance Department, This is a formal request for debt validation and a warning of my intent to take legal action should you continue unlawful collection activity. You are required, under the Fair Debt Collection Practices Act ( FDCPA ), to provide full validation of any debt you allege I owe.

Under 15 U.S.C. 1692g ( b ), I am exercising my right to dispute this debt and demand the following : - A complete breakdown of the alleged debt, including all interest and fees.

- The identity and proof of the original creditor.

- Copies of all documentation bearing my signature that legally obligates me to this debt.

- Verification that you are licensed and authorized to collect in my state.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), if you have reported this debt to any consumer reporting agency, and it can not be verified with legitimate documentation, it must be deleted immediately. Continued reporting without proper investigation constitutes willful noncompliance with federal law.

Be advised : if this account is not validated in full, and you continue collection efforts or furnish unverifiable information to any credit bureau, I will consider this a violation of the FDCPA and FCRA. I am prepared to take legal action and seek damages for noncompliance. 

You have 30 days to respond to this request in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
An order was placed on my Citi credit card and subsequently successfully immediately cancelled through the vendor ( Aliexpress ) as I suspected it might be a scam. The merchant claimed to have refunded the full amount to the original payment method, but the refund was never received. After two week I opened a dispute with Citi, and despite providing multiple pieces of evidence and information to support my claim over the following few months, and the acknowledgement by Citi themselves that the refund had never been received back to the credit card, the dispute was closed by Citi and ruled in the merchants favor after a total period of 126 days.

Timeline of events are listed with details below. These are also summarized in a screen print from Citi in Attachment XXXX 


XX/XX/XXXX - Order was placed from the merchant XXXX for {$320.00} and cancelled shortly thereafter as I recognized it was likely a scam. 


XX/XX/XXXX Refund for {$320.00} allegedly issued by merchant back to the original credit card used to purchase. ( Attachments XXXX ) XX/XX/XXXX XXXX had still not shown up on the credit card, so a dispute was opened with Citi. ( Attachment XXXX ) XX/XX/XXXX Additional documentation was requested from Citi. ( Attachment XXXX ) XX/XX/XXXX My additional documentation was received by Citi. ( Attachment XXXX ) XX/XX/XXXX Citi contacted the merchant and was still working on the dispute. ( Attachment XXXX ) XX/XX/XXXX Citi received information back from the merchant and indicates they would respond within XXXX business days. ( Attachment XXXX ) XX/XX/XXXX XXXX business days later Citi ruled in the merchants favor and closed the dispute. 


XX/XX/XXXX Documentation posted to my Citi account detailing the ruling. Citi states in Attachment XXXX that they recognize the refund was never posted to the account despite the merchant claiming it was. ( Attachments XXXX ) XX/XX/XXXX I sent an email to Citi with XXXX signed form ( Attachment XXXX ) stating I had not received the credit from the merchant in any form in order to reopen the dispute. ( Attachment XXXX ) XX/XX/XXXX My signed form and email were received by Citi. ( Attachment XXXX ) XX/XX/XXXX Dispute was reopened by Citi. Citi sent additional information to the merchant. 


XX/XX/XXXX XXXX response was received by Citi. ( Attachment XXXX ) XX/XX/XXXX Citi stated they attempted to resolve the dispute with the merchant and the merchant is unwilling to issue credit. Citi stated the investigation is closed, the conditional credit reversed, and the original charge has been rebilled. ( Attachment 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 monetary relief
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This problem is with Capital One Auto Finance. After over a year of on-time payments, every single payment was reversed with no explanation. 

The account currently says that I am XXXX past due. 

I called the customer service department on Friday, XX/XX/XXXX. They asked me to give them " XXXX business days '' for their system to update. 

It has since been XXXX business days and this problem has not been resolved. 

I am getting nowhwere with their President 's Office customer service division.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/XXXX, my mother was diagnosed with XXXX with XXXX XXXX and as her son and power of attorney, I took over her finances. I reached out to Marcus Goldman Sachs on XX/XX/XXXX and was told to supply two of their forms, notarized, and my power of attorney. I complied on XX/XX/XXXX. When I heard nothing from them after a month, I reached out again on XXXX and was told to resupply the documents in question. I sent the Power of Attorney forms again, both theirs and mine, but sent a certified copy of my own POA, since I needed that to conduct business for her. 
I reached out again on XXXX XXXX, supplying the same notarized documents requested. No response from them. In XXXX, XXXX I did the same again after being told to resubmit, and then again XX/XX/XXXX. They refuse to accept the documents they requested each and every time. In the interim, I have had the same credentials accepted by the IRS, Medicare, Social Security, her banks, and the attorneys representing the sale of her home.

They refuse at every turn to release my mother 's funds so I can pay for her care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: UT

Complaint narrative:
I am writing to formally dispute the presence of two fraudulent accounts on my credit report. I am a victim of identity theft, and these accounts were opened without my knowledge or consent. Despite submitting the required documents, I have been informed that they were either not received or deemed invalid. I request immediate removal of these fraudulent accounts : 1 ) XXXX XXXXXXXX Account Number : XXXX ( Opened : XX/XX/XXXX ). 

2 ) XXXX XXXX Account Number : XXXX ( Opened : XX/XX/XXXX ). 

I have attached copies of the following documents for your review and verification. Please read and view all the documents attached : - A copy of my government-issued ID. 
- Proof of residence ( e.g., utility bill, bank statement ). 
- An FTC report. 
- A completed identity theft affidavit. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. Since these accounts were fraudulently opened, I request that they be removed immediately to prevent further damage to my credit. 

Please investigate this matter promptly and confirm in writing that these accounts have been deleted from my credit file. If further information is required, do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to formally dispute the presence of two fraudulent accounts on my credit report. I am a victim of identity theft, and these accounts were opened without my knowledge or consent. Despite submitting the required documents, I have been informed that they were either not received or deemed invalid. I request immediate removal of these fraudulent accounts : 1 ) XXXX XXXXXXXX Account Number : XXXX ( Opened : XX/XX/XXXX ). 

2 ) XXXX XXXX Account Number : XXXX ( Opened : XX/XX/XXXX ). 

I have attached copies of the following documents for your review and verification. Please read and view all the documents attached : - A copy of my government-issued ID. 
- Proof of residence ( e.g., utility bill, bank statement ). 
- An FTC report. 
- A completed identity theft affidavit. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. Since these accounts were fraudulently opened, I request that they be removed immediately to prevent further damage to my credit. 

Please investigate this matter promptly and confirm in writing that these accounts have been deleted from my credit file. If further information is required, do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate attention to this matter.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, Im reaching out to address inaccuracies in my personal information on my credit report. These errors have been making it difficult for me to get approved for credit, which has been incredibly frustrating.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-27 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Hello please see documents for my dispute. ALL THESE PERSONAL INFORMATION ARE ABSOLUTELY NOT ACCURATE. A NOTICE THAT THE CONSUMER HAS THE RIGHT TO ADD A STATEMENT TO THE CONSUMER 'S FILE DISPUTING THE ACCURACY OR COMPLETENESS OF THE INFORMATION ; PLEASE SEE SUPPORTING DOCUMENTS FOR MY DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Dear Experian, I am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( Account Number : XXXX ) for which I have maintained timely payments. Contend to report a late payment for ( XXXX ) However. XXXXXXXX XXXX XXXX XXXXXXXX has provided me documents from there records that suggest that Experian is in fact reporting inaccurate information. I have attached those documents along with this complaint as proof. As outlined by the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of the information they report. This false and inaccurate repoting has cost me a great deal of financial hardship and I do seek to be compensated for this calamity. I also request that my record be updated promptly to accurately reflect my consistent payment history, as stipulated in FCRA Section 611. I will be seeking legal action as pursuant to 15 U.S.C. 1681n. Furthermore, I would like to remind you that according to the standard timeframe provided by the FCRA, there are only four days remaining to complete the investigation from the date of my initial inquiry. I trust you will adhere to this timeline and keep me informed about the progress and eventual updates to my report.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-27 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was denied a car loan due to suspected fraud on my account with all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am writing to formally dispute incorrect student loan information that continues to reappear on my account, despite previous efforts to have it corrected. I have noticed that outdated or inaccurate details regarding my student loan, serviced by Department of Education and XXXX, keep resurfacing, causing ongoing issues with my records and credit report. 

I request that the Consumer Financial Protection Bureau intervene to ensure this matter is permanently resolved and that my loan servicer takes appropriate action to prevent the incorrect information from reappearing. Please provide me with an update on your investigation and any steps being taken to address this issue. 

Thank you for your time and assistance. I look forward to your prompt response.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: OH

Complaint narrative:
Cash app closed my account accusing me of violating their terms and conditions on the account which is untrue but anyhow I have tried to withdraw my money and they will not let me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Regional Management Corporation
State: TN

Complaint narrative:
I sent website communications to the company at the beginning of XXXX and told them to not contact family or my employer, twice. 

I informed them that I can not take personal calls at work and to communicate with me only, either by phone or email, because it was easier to do email. 

They failed to contact me via email. Instead on XX/XX/year> they called my employer and left a message with the front office staff for me to call them. It happened again today on XX/XX/year>. 

I now have the staff asking, probing, my personal life and my job is now at risk because we can not have personal calls at work or on the work lines. We share community phones. 

I called them, told XXXX that I could not deal with anything today but the calls to my work needed to stop, she told me the calls would not stop until I paid. I paid them today XX/XX/year> under coercion because I can't risk my employment. 

They have put me in danger of losing my employment and did not care one bit. I now have figure out how to eat this week. 

The communication needs to remain written only from this point forward and the company needs to be held liable for the damage done to not only my reputation at work but also to my peace of mind and body. I am shaking with anger and embarrassment writing this because they would not listen.

Company response to consumer: Closed with explanation