vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: SC

Complaint narrative:
XXXX XXXX  and Smith Debnam LLP are illegally using the court system to collect on a debt they can not validate and that I do not legally owe. This is a direct violation of federal and state law. 

1.XXXX XXXX is in Default : I sent XXXX a Notice of Validation Request , and they failed to validate the alleged debt within the legally required timeframe. They are now in default and have no legal standing to collect this debt. 

2.Smith Debnam LLP is Breaking the Law : Despite knowing XXXX is in default, Smith Debnam LLP filed XXXX lawsuit against me anyway. This is a direct violation of : a.Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g, 1692e, 1692f ) Prohibits attempting to collect a debt without validation and using deceptive means. 
b.South Carolina Consumer Protection Code ( S.C. Code Ann. 37-5-110 & 37-5-111 ) Requires creditors to provide a Right to Cure Notice before legal action, which was never provided. 
c.Abuse of Process Doctrine Using the court system to pressure payment on an unverified debt is unlawful. 

What Happened : 1. I sent XXXX XXXX  a Notice of Validation Request. They failed to respond, meaning they defaulted and lost any right to collect. 
2. I sent XXXX XXXX  a Notice of Default. This formally notified them that they forfeited any legal claim to the debt. 
3. Smith Debnam LLP ignored the default and filed a lawsuit anyway. They are knowingly violating debt collection laws by using the court system to collect on an unvalidated and unenforceable debt. 
4. They are now seeking a Summary Judgment against me despite being in violation of federal law and knowing they have no legal right to collect. 
5. I have Filed a Motion to dismiss on the aforementioned grounds. 
Attachments : Copy of my Notice of Validation Request sent to XXXX XXXX  ( Return Reciept ) Copy of my Notice of Default sent to XXXX XXXX. ( Return Reciept ) Court documents showing Smith Debnam LLP filed a lawsuit anyway. 
Motion To Dismiss Evidence showing discrepancies in the alleged debt balance. 

I expect immediate action to correct these violations. If this issue is not resolved, I will escalate my complaint and pursue further legal remedies. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I do not recognize the negative accounts that appear on my credit 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
Automotive credit union reported late payments on my credit report which is not true

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 2025-03-13 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: NY

Complaint narrative:
I would be grateful if you could promptly eliminate the fraudulent entries from my credit report given the circumstances and take the necessary steps to rectify any inaccuracies or fraudulent actions. I've attached documentation from the appropriate authorities to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : XXXX XXXX Balance : {$580.00} Date Opened : XX/XX/XXXX Please promptly eliminate the late payment and UPDATE this account immediately. 

I kindly request that this matter be promptly solved by TRANSUNION. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than 30 days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress. This delay undermines the confidence I should have in the integrity and efficiency of the processes.

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 2025-03-13 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-13 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-13 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: MN

Complaint narrative:
XXXX/XXXX/2025 A XXXX XXXX vendor named XXXX XXXX fraudulently charged {$1400.00} to my USBank XXXX XXXX XXXX for a {$8.00} or XXXX XXXX XXXX XXXX XXXX ride. 
XX/XX/year> Immediately disputed the transaction with USBank. Case ID : XXXX XX/XX/scrub>/2025 As requested, wrote a letter to USBank XXXX department describing the fraud. 
XX/XX/scrub>/2025 Attempted to contact vendor directly. XXXX XXXX XXXX XXXX XXXX. " Call could not be completed as dialed '' was the response. 
XX/XX/year>2025 After numerous requests for remedy, USBank refused to reverse the charge. and wants to close the dispute.

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 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
My mother was called on XX/XX/year>, whom I do not live with and have not in over XXXX  years. Then they called me and left a message. After calling back they stated they are taking legal action against me for a balance of {$1400.00} through Citibank on a card they claim has a number of XXXX XXXX XXXX XXXX. This account was not opened by me, has never shown on my credit report and they are unwilling to provide any true validation of debt such as opening date and location. 

They claim it was a payment plan, but can not stipulate for what, or even when. I can provide screenshots of the e-documents they tried to get me to sign.

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 2025-03-13 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-13 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, after which I may request an extension of the block. During this period, you may not report or reinstate any fraudulent information on my credit report. 

I have contacted the credit bureau multiple times to report these fraudulent accounts, yet no resolution has been provided. This issue has significantly impacted me, especially as I am in the process of acquiring a home for my children. Additionally, these collections were removed and not verified by other bureaus, which raises concerns about the inconsistent handling of these accounts. 

I have also requested contracts from the company reporting these accounts to verify my information, but after more than 60 days, I have received no response. I urge you to take immediate action to remove these accounts. Attached is my FTC Report for further reference.

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 2025-03-13 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: FL

Complaint narrative:
XXXX XXXX has inappropriately accessed my personal information and has disclosed information outside of the XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I have included documentation from the relevant authorities to back up my claims. I would appreciate it if you could quickly eliminate the fraudulent entries from my credit report and take the necessary actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am raising money for charity from friends and family members which is why I had a lot of transactions to my XXXX. My account was randomly restricted by XXXX  and I called them numerous times to check what had happened and they didn't provide any information. I was also not able to remove the funds from my account either until I told them that I was raising money for my charity and only then they gave me a certain time period to withdraw the funds out of my account. I received the email for the suspension on XX/XX/year> last year and since then I have contacted them multiple times through email and by phone and have been trying to use other methods to raise money, but a lot of people really prefer using XXXX  which was why I really need it back. I am unable to raise any money through this means now which is affecting me and a lot of other people greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. UNDER 15USC1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. UNDER 15USC1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER PLAN AS LATE FOR ANY PURPOSE.

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 2025-03-13 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: TX

Complaint narrative:
after review of my consumer report i noticed multiple fraudulent items i am requesting block and delete of this information

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 2025-03-13 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: TX

Complaint narrative:
after review of my consumer report i noticed multiple fraudulent items i am requesting block and delete of this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
i requested a validation letter meaning all documents and charges regarding XXXX from capital one they did not comply with all info they have posted on my credit that i owe this balance for the last several years that i owe this balance and have no documentation that i owe this futhermore i have a right to all documents pertaining to this account via fair credit reporting act ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I messaged credit karma disputing twXXXX XXXX transactions as Ive been having issues getting my food properly delivered. The first time my food wasnt even delivered. The second time the score was closed and I was still charged. I filed a dispute for both transactions and credit karma denied me saying that the transactions were made by me. Well no XXXX. I made the transaction however the dispute was due to me not getting my products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I applied for a Chase XXXX XXXX credit card through XXXX. Upon approval, XXXX automatically set this credit card as my default payment method without my explicit consent or clear disclosure. I was never made aware that this card had replaced my existing payment method for XXXX purchases. 

Additionally, I never received the physical credit card in the mail and had no way of knowing the account details, billing cycle, or payment obligations. As a result, I unknowingly accumulated a balance on this card for purchases I believed were being charged to my usual payment method. Since I was unaware of the charges, I missed payments, leading to a delinquency on my credit report.

This delinquency has severely damaged my credit score, impacting my ability to secure a favorable mortgage interest rate and increasing my financial burden. 

Upon discovering this issue, I contacted Chase to explain that I had never received the card, had no knowledge that it was set as my default payment method, and did not knowingly authorize these charges. Despite my explanation, Chase refused to remove the delinquency from my credit report. 

I have spoken with an attorney, who has advised me that this situation may violate several consumer protection laws, including : Truth in Lending Act ( TILA ) Lack of clear disclosure regarding the automatic default payment setting.

Fair Credit Billing Act ( FCBA ) Billing errors due to non-receipt of the card and unauthorized charges. 
Fair Credit Reporting Act ( FCRA ) Chases refusal to correct an inaccurate delinquency that resulted from their misleading process. 
Unfair or Deceptive Acts and Practices ( UDAP/UDAAP ) XXXX and Chases undisclosed default payment setting led to significant financial harm. 

I am filing this complaint because Chases actions have caused severe financial consequences, and they have refused to take accountability despite clear evidence that I did not knowingly authorize these charges.

Company response to consumer: Closed with explanation