vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding American Express due to their continued failure to comply with federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and IRS tax code requirements under 26 U.S.C. 6050P.

Despite multiple written requests, American Express has repeatedly failed to validate the alleged debt in question. Each time, they have responded by simply issuing billing statements or transaction histories. However, case law establishes that billing statements do not constitute sufficient validation of a debt. In Chaudhry v. Gallerizzo, 174 F.3d 394, 406 ( 4th Cir. 1999 ), the court clarified that debt validation must include more than mere account summariesit must include the nature, ownership, and legitimacy of the debt.

Additionally, in Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ), the court noted that a proper response must verify that the amount being collected is correct and that the collector has a legal right to collect the debt, which billing statements alone do not prove.

I have also submitted demands for full accounting, securitization disclosures, and proof of chain of title to determine if American Express has sold or securitized the receivable, which would indicate that the account was satisfied by third-party investors and no longer legally collectible by them. They have failed to respond meaningfully.

Moreover, American Express continues to report this account as charged-off on my credit report but has not issued an IRS Form 1099-C, in violation of 26 U.S.C. 6050P. This omission constitutes both a tax violation and a material misrepresentation under GAAP and federal tax reporting standards.

Lastly, I have demanded a sworn affidavit or signed statement under penalty of perjury from an authorized officer at American Express affirming the validity, ownership, and non-securitized status of this account. My request has been ignored, and I continue to receive auto-generated responses lacking legal sufficiency.

This pattern of conduct, non-responsiveness, refusal to validate, tax reporting violations, and misleading reporting to credit bureausdemonstrates willful noncompliance with federal law and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Someone is using my information to open accounts. And switched my sim card to there phone. XXXX fixed my account. The person open accounts with XXXX XXXX XXXX XXXX XXXX XXXX  barclays bank delawareXXXX 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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Someone is using my information to open accounts. And switched my sim card to there phone. XXXX fixed my account. The person open accounts with XXXX XXXX, citi bank, 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 non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Someone is using my information to open accounts. And switched my sim card to there phone. XXXX fixed my account. The person open accounts with best buy, 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 non-monetary relief
Consumer complaint received 2025-06-07 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: NJ

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: NJ

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

ACCOUNTS 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 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing a complaint regarding a balance transfer transaction made from my Capital One credit card. 
Date of Transfer Request : XX/XX/XXXX Posted Date on Statement : XX/XX/XXXX Transfer Amount : {$250.00} Destination Account : XXXX checking account ( entered by mistake instead of a credit card ) Despite the transfer being reflected on my Capital One credit card statement, the funds were never received in my Chase checking account. 

I contacted Capital One customer service on XX/XX/XXXX, and XXXX to address this issue. During these calls : I explained that the transfer was made to the wrong account type ( checking instead of credit ). 
I requested Capital One to cancel or reverse the transaction, but they informed me that they can not reverse or recall the transfer. 
I was advised to contact XXXX and wait up to XXXX XXXX, but based on the nature of the error and the lack of receipt, I believe waiting further will not resolve the issue. 

At this point, the funds are neither available in my XXXX account nor being recovered by Capital One. I am financially affected by this unresolved transaction and lack of resolution. 

I am seeking assistance in resolving this matter and holding the responsible party accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I held an auto loan account with Santander Consumer USA , Inc. under account number XXXX. The account was eventually charged off ; however, I never received any correspondence from Santander indicating that the account was past due, nor did I receive any notice of their intent to charge off the account. 
Additionally, I have not received IRS Form 1099-C as required under Internal Revenue Code 6050P, which is critical for accurate tax filing when a debt is canceled or XXXX. 

Santander 's failure to notify me of adverse actions, including the charge-off, and the lack of proper reporting and disclosure, may constitute violations of the Fair Credit Reporting Act ( FCRA ), including : - 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information to consumer reporting agencies that is known or reasonably believed to be inaccurate.

- 15 U.S. Code 1681s-2 ( a ) ( 7 ) : Requiring furnishers to identify disputed information when informed by the consumer.

- 15 U.S. Code 1681m ( a ) : Obligation to provide notice of adverse actions based on information in consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
Oxygen XL is trying to acquire {$90.00} for a parking ticket that was already paid in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

ACCOUNTS 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 non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: IN

Complaint narrative:
This debt collector was provided a cease and desist letter via certified mail in which the debt was disputed due to fraud. This debt collector collects on behalf of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
I am submitting this complaint against Equifax for failing to comply with the provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) in relation to their improper handling of a dispute I submitted regarding the following account : 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  Disputed Information : [ e.g., incorrect balance, wrong account status, inaccurate payment history ] Although I received a response claiming that the information was verified, significant inaccuracies remain unresolved. I request a more thorough investigation that addresses the following legal and factual concerns : Grounds for Dispute and Legal Violations : Inconsistencies among bureaus : The reported information on this account differs across the three major credit bureaus, including discrepancies such as [ list inconsistencies : dates, balances, account status ].

Lack of original documentation verification ( 15 U.S.C. 609 ( a ) ( 1 ) ( A ) ) : Under the FCRA, the agency is required to verify reported information using the original signed consumer contract. This documentation has not been provided.

Right to proper investigation ( 15 U.S.C. 1681i ) : The bureau failed to conduct a complete and reasonable investigation within the 30-day legal window. The results provided were inadequate and did not address my concerns.

Inadequate compliance procedures ( 15 U.S.C. 1681e ( b ) ) : The bureau has not demonstrated that it uses reasonable procedures to ensure the maximum possible accuracy of the information in my report. 
Obligations of data furnishers ( 15 U.S.C. 1681s-2 ) : The original creditor did not properly investigate or correct the disputed information after being notified, as required by law.

Lack of transparency and accuracy ( TILA 15 U.S.C. 1601 ) : The reported information lacks accuracy and transparency, violating my consumer rights under TILA.

Non-compliance with Public Law 91-506, Title VI, Section 611 : This law outlines the procedures required to remove inaccurate or incomplete information. The bureaus response did not meet these standards.

15 U.S.C. 1681i ( 7 ) : I have not received a detailed explanation of the investigation methods used, which should be provided within 15 days of receiving a consumer dispute.

Unverified public record : Under the FCRA, no public record may be reported without physical verification ( i.e., signed contract or court judgment ). Due to lack of verification, I request the immediate deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: CL Holdings LLC
State: VA

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent, obsolete accounts listed below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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  FRAUDULENT INQUIRIES : -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 Jefferson capital syst XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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 recently discovered that multiple fraudulent accounts were added to my credit report without my knowledge or authorization. I am a victim of identity theft, and I never opened or applied for these accounts. 

The accounts in question are : XXXX XXXXXXXX XXXX XXXX Account # : XXXX Amount : {$25000.00} XXXX XXXX Account # : XXXX Amount : {$7200.00} XXXX XXXX XXXX Account # : XXXX Amount : {$1100.00} These accounts do not belong to me, and I have no connection to them. I have already provided valid identification and documentation through this CFPB complaint. 

Under FCRA Section 605B [ 15 U.S.C. 1681c-2 ], I am requesting that these accounts be blocked and permanently removed from my credit file within 4 business days of receiving this notice and supporting documents, as required by federal law. 

If this matter is not resolved within the timeframe guaranteed by law, I am prepared to escalate this issue through legal channels and pursue litigation for noncompliance, including damages under FCRA Sections 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
I recently discovered that multiple fraudulent accounts were added to my credit report without my knowledge or authorization. I am a victim of identity theft, and I never opened or applied for these accounts. 

The accounts in question are : XXXX XXXXXXXX XXXX XXXX Account # : XXXX Amount : {$25000.00} XXXX XXXX Account # : XXXX Amount : {$7200.00} XXXX XXXX XXXX Account # : XXXX Amount : {$1100.00} These accounts do not belong to me, and I have no connection to them. I have already provided valid identification and documentation through this CFPB complaint. 

Under FCRA Section 605B [ 15 U.S.C. 1681c-2 ], I am requesting that these accounts be blocked and permanently removed from my credit file within 4 business days of receiving this notice and supporting documents, as required by federal law. 

If this matter is not resolved within the timeframe guaranteed by law, I am prepared to escalate this issue through legal channels and pursue litigation for noncompliance, including damages under FCRA Sections 616 and 617.

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 2025-06-07 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: LA

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 identity theft. 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 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 2025-06-07 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: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
I am filing this complaint regarding duplicate and improper re-reporting of a debt by XXXX XXXX and XXXX on my credit reports with all three major credit bureaus ( XXXX XXXX and TransUnion ). 

The debt in question originates from XXXX XXXX XXXX with a balance of {$2000.00}. The same debt is being reported under XXXX separate account numbers : - Account XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX - Account XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX These appear to represent the same debt, but are listed separately, which misrepresents the amount I owe and harms my credit profile. 

Furthermore, this debt has been removed and re-reported by the collection agency, without any new validation or proper notification. I was not informed of the reinsertion, as required by law, nor was any certification provided that the reinserted information was verified as accurate. 

These actions may violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : - FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information - FCRA 1681e ( b ) : Failure to ensure maximum accuracy - FCRA 1681i ( a ) ( 5 ) ( B ) : Reinserted items require certification and notice - FCRA 1681s-2 ( b ) : Failure to investigate a dispute - FDCPA 1692e : Use of deceptive or misleading representations I have contacted the credit bureaus and am in the process of disputing these entries formally. I am requesting that the CFPB assist in investigating this matter and compel the furnisher to : - Delete all duplicate entries - Provide documentation for any reinserted information - Cease any further inaccurate 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