vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Subject : Formal Complaint and Dispute Against Collection Agency To Whom It May Concern, I am writing to formally dispute a debt reported by XXXX XXXX XXXX & IC System that I believe to be inaccurate and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The actions of XXXX XXXX XXXX  & IC System have resulted in undue stress and potential harm to my financial standing. I request immediate investigation and corrective action regarding their conduct.

Violations Cited : 15 USC 1692k ( a ) ( 2 ) ( A ) Statutory DamagesThe collection agency has engaged in unlawful debt collection practices, warranting statutory damages under this provision. The harassment and misrepresentation tactics they have employed justify financial penalties for their noncompliance.

15 USC 1692k ( a ) ( 3 ) Attorney Fees and CostsGiven the agency 's blatant disregard for consumer protection laws, I reserve the right to seek legal counsel and recover any associated costs resulting from their illegal actions.

15 USC 1692d Harassment or AbuseThe collection agency has subjected me to unfair and harassing collection tactics, including [ list specific instances, such as repeated calls, threats, or abusive language ]. Such behavior violates my rights and is prohibited under federal law.

15 USC 1692e False or Misleading Representations [ Collection Agency Name ] has provided deceptive information regarding the alleged debt, including [ mention any inaccuracies, false threats, or misrepresentations they have made ]. This violates federal regulations and undermines fair debt collection practices.

Request for Resolution : I request that the Consumer Financial Protection Bureau take immediate action to : Investigate the practices of XXXX XXXX XXXX & IC System.

Require the agency to cease all collection activities related to this disputed debt.

Remove any inaccurate or improperly reported information from my credit file.

Impose penalties for violations of federal law.

I request written confirmation that this matter is being reviewed and that appropriate action will be taken.

If this issue is not resolved promptly, I will explore all legal avenues available to protect my consumer rights, including filing complaints with the Federal Trade Commission ( FTC ) and pursuing legal action.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a case reference number for tracking purposes.

Sincerely

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 2025-03-04 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: FL

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 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 2025-03-04 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: NE

Complaint narrative:
I would like to file an FTC report asking that all negative items be removed from my credit report based on the fact that my credit information was leaked during a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NE

Complaint narrative:
I would like to file an FTC report asking that all negative items be removed from my credit report based on the fact that my credit information was leaked during a data breach.

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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: OK

Complaint narrative:
Debt validation letter. This false account has already been removed previously and now theyre trying to illegally put it back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 non-monetary relief
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
Subject : TransUnion Failure to Provide Dispute Results Sent Credit Report Instead Complaint Narrative : On XX/XX/scrub>/2025, I submitted a dispute to TransUnion regarding inaccurate and duplicate accounts on my credit report. Rather than conducting a proper reinvestigation and providing a formal response with dispute results, TransUnion sent me a generic credit report on XX/XX/XXXX, 2025without addressing my dispute or explaining whether the accounts were verified or deleted. 

This response violates FCRA 611 ( a ) ( 6 ), which mandates that credit reporting agencies must send a written notice of the results of their investigation, including whether the disputed information was corrected, deleted, or remains unchanged. By sending only a credit report, TransUnion failed to comply with these requirements, and as a result, the disputed items remain on my credit report, continuing to cause me harm.

The continued presence of these inaccurate accounts has negatively impacted my credit score, resulting in credit denials and higher interest rates for financial products. This has also caused significant XXXXXXXX and emotional burden.

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 2025-03-04 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
These Hard Inquiries Don't belong to me, hasn't being authorized by me and has to be removed. Also, this as well. 
EQUIFAX 1 ) XX/XX/year>2024. 
XXXX XXXX XXXX XXXX XXXX. 
2 ) XX/XX/XXXX. 2024. XXXX XXXX XXXX. 
3 ) XX/XX/scrub> 2024. XXXX XXXX XXXX XXXX 
4 ) XX/XX/scrub> 2024. XXXX XXXX. 
5 ) XX/XX/year>. XXXX XXXX XXXX XXXX. 

EXPERIAN 1 ) XXXX XXXX, 2024. XXXX XXXX XXXX 
2 ) XX/XX/year>2024. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
The collection account reporting to my credit report from XXXX XXXX XXXX with a balance of {$1500.00}, which was opened XX/XX/year> is reporting inaccurate information. The phone number, address, and date opened is inaccurate. I have disputed this account with XXXX XXXX XXXX XXXX TransUnion but neither company has accurately investigated the dispute. 

These inconsistencies and lack of proper verification, constitute a violation of the fair credit report act, FCRA, 15 USC 1681, which requires credit reporting agencies to ensure the accuracy and fairness of consumer credit information. 


According to 15 USC 1681 EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX Account Name : None ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have a XXXX XXXX store card. In XX/XX/XXXX, I used a promo to finance a fence on my property. The total charge was about XXXX, and I signed an agreement of XXXX interest that would not accrue until after 24 months. 

By XX/XX/XXXX, the remaining balance was XXXX and XXXX Bank added a transaction of XXXX for interest. From a sheer math standpoint, that number makes no sense even if I had agreed to interest accruing from the beginning which I did not. 

I asked for the contract and the employees say they do not have it and are not required to keep such documents. I disputed the entirety of my statement and demand proof of it. 

I also called and spoke with a representative and a supervisor ( who laughed and hung up on me ) and while they agreed to extend the time 60 days, they will not remove the interest in the meantime. I will not make a payment until that interest is removed as I do not agree that I owe the interest and I will take no step that might be construed as agreeing to the debt.

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 2025-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
Have been called numerous times while at work place over the course of XXXX  years, XX/XX/year> XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I got a HELOC with Spring EQ on my home to pay for some home improvements. The HELOC was sold to Shellpoint ( Newrez ). Immediately after Shellpoint got my loan, someone else was able to access my loan and began to move money around. I alerted Shellpoint ( Newrez ) that I suspected fraud, and they confirmed they found fraud. Someone had been taking money out of the loan and driving up the {$50000.00} loan to over {$88000.00}. Shellpoint can not or will not explain what happened and is still allowing money to be moved in and out of my account without my knowledge or permission. I am attaching a letter I received from Shellpoint acknowledging they found fraudulent activity, and what looks like a correction. However, that correction is not reflected in their system and the amount I owe them keeps changing, getting hirer and hirer. No one at Shellpoint ( Newrez ) can explain any of it to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Transactions Related to XXXX XXXX Dear /Customer Service ], I am writing to formally dispute transactions associated with my accounts that I believe are linked to activities of human trafficking. The details of the accounts in question are as follows : XXXX. XXXX XXXX Account : XXXX XXXX **** XXXX. XXXX XXXX Account : XXXX XXXX **** I have reason to believe that certain transactions made from these accounts may be facilitating illegal activities, including but not limited to human trafficking. This is a serious matter, and I urge you to investigate these transactions thoroughly.

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 2025-03-04 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: MO

Complaint narrative:
I opened this card in XXXX, I have been using and paying my account on time. I went online to pay my bill and the card info was gone. I immediately called Capital One it went to the fraud department and I explained I was trying to pay my bill. They stated that my account was under investigation they could not tell me anything else and that I would get something in the mail and that I do not owe anything. Well I printed a copy of my credit report just now and this account IS on there and it states that there is {$420.00} owed. If I can not pay as I attempted to on XX/XX/XXXX I need this to not be reported on my credit file. THEY WILL NOT LET ME PAY but they are reporting on my credit report? This is very sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-04 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: IL

Complaint narrative:
I am writing to formally notify you that I have been a victim of the recent Equifax data breach. Upon reviewing my credit report, I discovered several unauthorized and fraudulent accounts opened in my name. I immediately reached out to this company for assistance in resolving this matter, but I have yet to receive a satisfactory response. 
In light of this, I respectfully request that you block and delete all accounts associated with my personal information that were opened as a result of this breach. These accounts were not authorized by me, and their existence on my credit file is a direct consequence of the security compromise. 
Please confirm receipt of this request and provide a timeline for the actions that will be taken to protect my identity and financial well-being. 
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 2025-03-04 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 2025-03-04 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover bank closed my credit account when i called asking about an email they sent to me on XX/XX/year>, They stated that they sent me a email on XX/XX/XXXX to re verify my account but I explained to them I did not receive the email and asked if there was a way to resend it to me. They told me they could and the call failed before they sent me the email they were supposed to do re verify. I called back and they then said they cant help me anymore because they closed my account, but I am confused because when I called the first time they still said it could be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
a mystery collection agency violating Fair Collection Practices Act

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 2025-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: IL

Complaint narrative:
When moving out i informed the rent office when I would be moving and when I would need an inspection. The day I was moving I was informed rent office had new staff and they can not find paper work from when I was going to move out so I would need to pay 2 mo rent for not giving 30 day notice then they would do a inspection. I moved and got a bill for the cleaning fee. I asked for a break down of what was damaged and bills and recipes to show how much was spent. I was informed that information would not be provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
So Ive been having a lot of unauthorized transactions like reaccuring transactions but just about XXXX months ago I had lost all the money out my cash app because of somebody buying some food off of me then a month later she came and disputed the charge I would like to be refunded all my unauthorized transactions I have filed and ones I fell to see

Company response to consumer: Closed with explanation