vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Contacted neighbor I am writing in response to a collection notice I received ( or found on my credit report ) regarding the alleged debt listed above. I do not acknowledge or accept responsibility for this debt and request that you validate it in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : XXXX. The original creditors name and address XXXX. The full account number and amount of the alleged debt XXXX. A copy of the original signed contract or agreement bearing my signature XXXX. A full payment history and breakdown of how the alleged amount was calculated XXXX. Documentation that you are legally authorized to collect on this debt XXXX. Proof that this debt is actually mine While this account is in dispute, you are not allowed to report it to credit bureaus per the Fair Credit Reporting Act ( FCRA ). If you have already reported it, I request that it be marked as disputed immediately. 

If you can not provide this documentation, please remove the account from your records and cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within XXXX days. Enclosed are relevant documents as proof.

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 2025-04-25 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Investments, XXXX XXXXXX/XX/XXXXXX/XX/XXXX NJ XXXX Original Creditor : XXXX XXXX Company Subject : Cease and Desist- Request for deletion of Collection account Dear XXXX XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of last activity.

4. Full, accurate social security number that may help to identify me as the person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX NJ XXXX Original Creditor : XXXX XXXX Company Subject : Cease and Desist- Request for deletion of Collection account Dear XXXX XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of last activity.

4. Full, accurate social security number that may help to identify me as the person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had transferred funds using ACH on XXXX XXXX for a payment to a vendor who has an account with Chase Bank from my XXXX  XXXX XXXX XXXX Account. 
The transaction was rejected by Chase because I used the vendors wire account number instead of ACH account number on the XXXX XXXX I have not received the refund into my XXXX  XXXX XXXX account yet The trace number is XXXX I have been informed that Chase Bank has not sent the amount back to XXXX  XXXX XXXX even though it is over a week since the transaction has been rejected I have filed claim, but am unable to get the status on when the transaction will be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have made NUMEROUS attempts to get this information below corrected on my credit report. It is directly affecting my score and this information needs to be corrected asap! I am incurring damages as a result of this and it is against the law. Please update the following accounts as follows : XXXX XXXX  update to a {$0.00} balance. 
XXXX XXXX XXXX : update to {$0.00} balance. 
XXXX XXXX : previous balance was {$100.00} ; it is now {$0.00} XXXXXXXX XXXX XXXX update balance to {$1000.00} balance. 
XXXX : update balance to {$0.00} XXXX XXXXXXXX : update balanceS to {$0.00} XXXX XXXX  XXXX : update balances to {$0.00} XXXX XXXX XXXXXXXX XXXX update balance to {$0.00} XXXX XXXX  XXXX : update balance to {$0.00} XXXX  : update balance to {$0.00} XXXX XXXX update balance to {$0.00} XXXX XXXX : update XXXX XXXX {$0.00} XXXX XXXX : update balance to {$0.00} XXXX XXXXXXXX XXXX : update balance to {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NV

Complaint narrative:
I have made NUMEROUS attempts to get this information below corrected on my credit report. It is directly affecting my score and this information needs to be corrected asap! I am incurring damages as a result of this and it is against the law. Please update the following accounts as follows : XXXX XXXX  update to a {$0.00} balance. 
XXXX XXXX XXXX : update to {$0.00} balance. 
XXXX XXXX : previous balance was {$100.00} ; it is now {$0.00} XXXXXXXX XXXX XXXX update balance to {$1000.00} balance. 
XXXX : update balance to {$0.00} XXXX XXXXXXXX : update balanceS to {$0.00} XXXX XXXX  XXXX : update balances to {$0.00} XXXX XXXX XXXXXXXX XXXX update balance to {$0.00} XXXX XXXX  XXXX : update balance to {$0.00} XXXX  : update balance to {$0.00} XXXX XXXX update balance to {$0.00} XXXX XXXX : update XXXX XXXX {$0.00} XXXX XXXX : update balance to {$0.00} XXXX XXXXXXXX XXXX : update balance to {$0.00}

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account 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.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account 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.

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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account 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.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report also lists a bankruptcy record that I believe is either inaccurate or unverifiable. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an entirely accurate credit report. I am requesting a review of this bankruptcy entry and, if it can not be substantiated, its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 2025-04-25 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank allowed someone that hacked their system to deposits checks in my account and withdraw money .. I called fraud on this bank several times seems as they are always compromised but promise they are not.I received money from the IRS XXXX they took the money the perpetrator used from my account .. I also asked if my account was compromised they said no .. Whomever deposited the check never seen my handwriting but the bank has .I only deposit on mobile .They allowed someone to deposit it at in ATM.Really .. So I asked for video footage of the bank the checks were deposited .. of course oh we don't have access.So I asked for the dates so that I could pull it up on my phone and prove my longitude and latitude for date and time.. I have a family and they froze my account because of their companies incompetence of not relatively checking or verifying the checks or signatures thereof.Please help

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