vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: CT

Complaint narrative:
I am filing a complaint against Experian for failing to conduct reasonable investigations into multiple disputes I submitted and for providing no verification documentation or explanation as required under the FCRA. 

XXXX XXXX Account {$550.00} In XXXX, I submitted a dispute regarding a XXXX XXXX account for {$550.00}. I requested that Experian verify the debt, as I do not owe this balance. Per a promotion, XXXX was responsible for covering the final XXXX bill upon switching services. Despite my dispute, Experian marked the account as " verified '' without providing any documentation or description of the investigation conducted. When I requested investigation details online, I was told to " contact the creditor '' and received no further support from Experian. 

XXXX Credit Card Paid/Closed Account I also disputed a XXXX account showing incorrect reporting. I explained to Experian that XXXX had outdated contact information, which I updated with the creditor. I requested an investigation into the reporting. However, Experian repeatedly marked the account as verified without correcting the record or providing investigation details. 

Across both disputes, Experian failed to comply with FCRA obligations by : Not providing the method or results of the investigation upon request Not correcting inaccurate or unverifiable information Delegating responsibility back to the creditor without fulfilling their role as a CRA These actions have negatively affected my credit and ability to obtain credit opportunities. I am requesting the CFPB to investigate Experians handling of my disputes and ensure they provide proper verification or remove the disputed items.

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Sometime in XXXX, Citibank closed my credit card account without warning while I was actively making payments. I contacted them multiple times asking for an explanation, and no one provided a clear or valid reason. I never received any written notice of closure or charge-off. 

In XX/XX/XXXX, I began receiving harassing phone calls from a debt collector using the number XXXX, claiming to be collecting on behalf of Citibank. They stated that the account had been placed into collections, and the amount they claimed I owed was higher than my original credit limit, which I believe is inaccurate and possibly unlawful. 

I have never received any written notice from the collector within 5 days of initial contact, as required under the Fair Debt Collection Practices Act ( FDCPA ). I requested full written debt validation, including : XXXX. The original account balance breakdown XXXX. Proof the collector is legally authorized to collect on behalf of Citibank XXXX. The date of charge-off XXXX. Documentation explaining the inflated balance XXXX. A written reason for why the account was closed I also demanded that all communications be made in writing due to the repeated, unwanted, and harassing phone calls. 

These actions including failure to validate the debt, harassing phone calls, and potentially misreporting the amount owed appear to violate the FDCPA and may constitute willful violations of the Fair Credit Reporting Act ( FCRA ) if this debt is reported to the credit bureaus without proper validation.

I am documenting all contact, and if this issue is not resolved immediately, I am prepared to pursue legal action for damages under both the FDCPA and FCRA. I am asking for : 1. Immediate withdrawal of this debt from collections 2. Written confirmation that it will not be reported to any credit bureau XXXX. Written notice from Citibank explaining the account closure I am currently unable to pay this alleged debt, especially given that it is disputed, potentially inflated, and was placed into collections under questionable and possibly unlawful circumstances. 

The calls from the collector have been aggressive and frequent, which I consider harassing. I requested that all future communication be done in writing. I'm very concerned this will appear on my credit report and damage my credit score even further, despite trying to resolve the matter in good faith.

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 2025-04-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NJ

Complaint narrative:
This is a follow-up regarding my unresolved dispute with TransUnion concerning the unauthorized XXXX account XXXX XXXX XXXX ), which continues to appear on my credit report without my authorization. In their response to my previous CFPB complaint, TransUnion claimed the account was verified, yet failed to provide any documentation, evidence, or lawful basis to support that claim. TransUnion is the only bureau reporting this account, and their continued refusal to remove itdespite repeated disputesconstitutes ongoing violations of the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) for failing to ensure maximum possible accuracy, 15 U.S.C. 1681b for reporting without a permissible purpose, 15 U.S.C. 1681i ( a ) for failing to conduct a reasonable reinvestigation, and 15 U.S.C. 1681n for willful noncompliance. If TransUnion sends me another generic response without providing proof, documentation, or lawful justification, I will consider it a willful violation and will escalate this matter further through all available legal and regulatory channels. I demand the immediate and permanent deletion of this unauthorized account from my credit file.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: TN

Complaint narrative:
b'YOUR COMPLAINT\nSent default today because of below. Also challeging with credit agency. I also ask the cease and decist contacting me until validation the continue to text me including today This letter serves as formal notice that, despite our previous correspondence dated XXXX  (USPS XXXX XXXX XXXX XXXX XXXX XXXX, you have failed to respond to our request for validation of the debt referenced in our prior communication. As a result, we consider you in default of your obligation to provide verification of the debt as permitted under the Fair Debt Collection Practices Act (FDCPA). Additionally, your silence is acquiescence to my claim you violated below can cause me personal harm:  Violation of the FCRA  Violation of the FDCPA  Defamation of character Our previous letter, dated XXXX  clearly requested that you provide validation of the purported debt within the timeframe prescribed by law. However, to date, we have not received any response or documentation that would confirm the validity of the debt in question. Please be advised that your failure to provide validation of the debt within the legally mandated timeframe constitutes a material breach of your obligations under the FDCPA. As a result, we are now considering further action to protect our rights and interests, which may include, but is not limited to, pursuing legal remedies to enforce our rights under the law'

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/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 2025-04-30 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-30 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
Demand for Immediate Deletion of Student Loans Due to Department of Education Dissolution To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the U.S. Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 
Accounts in Dispute : XXXX US DEPARTMENT OF EDUCATION Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts. 
Legal Basis for Immediate Deletion : 1. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans.

2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid. 
3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law. 

Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action. 

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 2025-04-30 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C. XXXX and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under XXXX U.S.C. XXXX, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : XXXX XXXX XXXX * * * * * * XXXX XXXX * * * * * * * * * * * * XXXX XXXX * XXXX  XXXX * * * XXXX XXXX XXXX * * * * Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX As required by law , this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Experian, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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 2025-04-30 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX5 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was unaware of this debt and did not have an opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature, if not please delete account as soon as possible from my report or I will be forced to take legal action thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NJ

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year> my Capitol One QuickSilver Secured Card with a credit of XXXX dollars, was restricted and the reason I was given was that Capitol One wanted to verify my bank payment I made from XXXXXXXX XXXX XXXX XXXX in the amount of XXXX. I was told by the person on the phone that once they reviewed the documents, they would call me and we would call XXXX XXXX XXXXXXXX together to verify that the account is mine. I agreed and sent a statement that day XX/XX/year>. The statement turned out to be too old for Capitol One to use which I was not called and told this, I only found out because I started wondering why it was taking so long for Capitol One to verify my documents and called them myself on XX/XX/year>. I was told that the documents were too old and that I needed to upload newer documents. I understood and so on that same day, XX/XX/year> I drove up to XXXX XXXX XXXXXXXX my self and got paper copies of my latest bank statement, I scanned them to my cell device and uploaded them directly into Capitol One secure link. Days go by and I still get no answer on this issue so on XXXX XXXX I called again asking for information and was told they dont know why this back door team who are unreachable did not accept my new documents which are dated by the bank for the month of XX/XX/year>. I was told that a note would be added for them to contact me to lift the restriction on my account. I called again on Monday XX/XX/year> and got the same answer. Today, XX/XX/year> I called and was told that my credit card was permanently restricted because the team could not verify my bank account. I was told that they tried to contact me multiple times on different days, which is untrue, I may be in the military, but I can receive phone calls all day, and I have not received any phone calls from anybody at Capital One. Trying to verify my bank statements dating way back to XX/XX/XXXX, XXXX i did everything right and gave everything to Capital One and still the restriction has not been lifted, I am being treated like I have committed fraud when the payment came from an account that was mine, an account that its in my name. Capital one is refusing to give me answers on this permanent restriction.

Company response to consumer: Closed with explanation