vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Georgia XXXX XXXX XXXX : XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX, and Security Credit Serv XXXX XXXX XXXX address : XXXX, Ut XXXX XXXX XXXX XXXX address : XXXX, Sc XXXX Security Credit Serv address : XXXX, XXXX XXXX Re : Request for Debt Validation, Assignment Contract, and Cease and Desist Dear Debt Collection Agency, I am writing in response to your recent communication regarding the debt you claim I owe, referenced by [ XXXX, XXXX, XXXX ]. Please consider this letter as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), as well as a cease and desist request. 
Debt Validation Request Under the FDCPA, I have the right to request verification of the debt. Therefore, I request the following documentation to verify your claim : XXXX. A copy of the original signed contract or agreement that shows I am legally obligated for the debt. 
XXXX. The assignment contract or any other legal documentation that proves your company has been assigned the legal right to collect this debt. This should include the full assignment history, detailing all transfers or sales of the debt, along with dates. 
XXXX. An itemized statement of the debt, showing the original amount owed, any interest or fees added, and any payments made to date. 
Please note that I am requesting these documents so I can properly verify the debt and your right to collect it. Until these documents are provided, you are required by law to cease all collection activities and refrain from reporting this debt to credit agencies. 
Cease and Desist Request Additionally, under the FDCPA, I am requesting that you cease all further communications regarding this debt until you can provide the requested validation. This includes telephone calls, letters, and any other form of contact. If you fail to comply with this request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. 
If you continue with collection activities without proper validation or persist in contacting me after this request, I will take further action to protect my rights. 
Please ensure that all communications from your office cease immediately unless you provide the requested debt validation. If you do not respond within 30 days with the necessary validation documents, I will consider the debt invalid, and you will be required to cease all collection activities. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-19 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: CT

Complaint narrative:
I have sent numerous letters to Equifax and XXXX to correct this information but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-18 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime Banking advised me today that they are closing the account. They provided a very general reason that transactions i did violated their policy. I called to ask about what transactions these were. They refused to provide any information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-18 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have another complaint open with you ( ID XXXX ) that is related to this. I have two Capital One credit cards open. One of them is not being reported on my XXXX credit report. Capital One has opened multiple cases for me to get this resolved ( current case number with Capital One is XXXX and prior case number is on attached letter ). However, when I call XXXX, they blame Capital One for not sending them my missing account information. I just called XXXX for the above-referenced complaint number. I received an email saying there was an update. When I got someone on the phone, she said that there is nothing that they can do for me at XXXX. She said Capital One is not sending them my information. So I called Capital One, and they opened a new case number, but nothing is getting resolved. They each blame each other for my credit card account not being reported. Capital One says they have been sending XXXX my info. I do believe them because the account is being reported to XXXX. I have been working on this since XX/XX/2024. I am on hold for hours with XXXX and have received no help. Capital One opens case after case and it never resolves the issue. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XX/XX/scrub>XX/XX/2024 I applied for a vehicle financing to BANK OF AMERICA and was denied and credit effected upon inquiry shortly after was given a fraudulent adverse action letter ( I uploaded ) with misrepresentation and discriminate language from BANK OF AMERICA XXXX XXXX XXXX XXXX FLORIDA To obtain Vehicle financing I do have capacity to contract credit as well for my principal affairs which this credit ( vehicle financing ) is indeed for according to the federal reserve act section 16 my application is the collateral for the amount applied for and due to the principle. With knowing my contractual obligations they considered my application and did not provide value, I believe it was a unilateral contract benefitting BANK OF AMERICA and no value has been given whilst they still obtain my property my application and my collateral social security number also my intellectual property so I called to retract my application they said theyll look into URGENTLY and insisted that this transaction is based on a consumer report obtained from ( XXXX ) without my permission invasion of my privacy without my consent has truly damaged my principal and right to credit.

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 2025-03-18 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: WI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This is a follow up to further demand removal of 4 fraudulent accounts that are listed on my credit report. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report 4 fraudulent accounts appearing on my consumer FICO TRANSUNION credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 4 hard inquiries :, XXXX XXXX  XXXX CARD on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX  XXXX XXXX on XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-18 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX I mailed my mortgage payment to my mortgage provider. I sent it certified, return receipt and a money order. They contacted me late XXXX stating they did not receive the payment. I then mailed a certified check to them while they investigated where my payment went. I receives the signed card by their company employee verifying they received my payment. They did not cash the money order so I assume thwy lost my payment. They sent me letter for months saying they needed more time to investigate. Then sent a letter I didn't receive stating they don't sign the return receipt cards the post office does. The post office printed off the signature card they have on file and verified the company representative has to sign the cards because it's illegal for anyone else to sign. I'm trying to refinance and hired an attorney even to gwt them to change the no date for XXXX payment on my credit to paid so I can refinance before XX/XX/XXXX. They are refusing. I need XXXX to change it even if the mortgage company won't because that's all that is locking me to my current mortgage. I sent my payment, they signed for it by all rights XXXX should say I paid it. And they refuse to do so. I disputed it several times. The picture with many return receipt green cards showing the same person signs for my payments every month and all of them went fine

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 2025-03-18 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: PA

Complaint narrative:
ON OR ABOUT XXXX XXXX I SENT TO EXPERIAN A DISPUTE PACKAGE VIA CERTIFIED MAIL. THIS DISPUTE WAS IN REGARD TO IDENTITY THEFT AND FRAUD FROM THE DEALER AND SERVICER. MY SIGNATURE WAS FORGED ON THE CONTRACT. 
XXXX XXXX XXXX XXXX ACCOUNT # XXXX. 
THE PACKAGE INCLUDED THE VARIOUS FTC ( FRAUD AND IDENTITY THEFT REPORTS ) RELATING TO THE ACCOUNT. 

EXPERIAN RECEIVED THE MAIL ON XX/XX/year>. 

EXPERIAN THEN DELETED/BLOCKED THE INFORMATION FROM MY CONSUMER REPORT ON XX/XX/year>. 

THE ACCOUNT WAS THEN REINSERTED ON XX/XX/year>. 
EXPERIAN FAILED TO NOTIFY ME IN WRITING, A DIRECT VIOLATION OF FCRA. 

I THEN DISPUTED A SECOND TIME ONLINE AND THE INFORMATION WAS VERIFIED AS ACCURATE ON XXXX XXXX. 

PLEASE PROVIDE ME WITH THE PROCEDURES USED TO DETERMINE THE ACCURACY OF THE ACCOUNT INCLUDING ANY AND ALL DOCUMENTS PROVING I SIGNED THE CONTRACT. IF THAT INFORMATION CAN NOT BE SUPPLIED THEN THE ACCOUNT IS UNVERIFIABLE AND INACCURATE. 
FURTHER WILLFUL AND NEGLIGENT XXXX OF THIS NEGATIVE INFORMATION WILL BE A DIRECT VIOLATION OF THE FCRA. 15 USC 1681n and 15 USC 1681o, GIVES CONSUMERS THE ABILITY TO COLLECT FOR DAMAGES UNDER THESE STATUTES.

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 2025-03-18 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: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.

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 2025-03-18 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: TX

Complaint narrative:
In accordance with the fair credit record. This creditor has violated my under 15 USC 1681 section 602. States I have the right to privacy. 15 USC 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and Consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CT

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX - The payment status is incorrect. 
Account Number : XXXX TransUnion/ Experian/ Equifax XXXX XXXX The payment status is incorrect. 
Account Number : XXXX TransUnion/ Equifax XXXX XXXX Account Number : XXXX TransUnion / Experian / Equifax XXXX XXXX XXXX This account is duplicated. 
Account Number : XXXX Equifax XXXXXXXX XXXX Account Number : XXXX TransUnion/ Experian/ Equifax XXXX Account Number XXXX XXXX TransUnion/ Experian/ Equifax

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 2025-03-18 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: CT

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX - The payment status is incorrect. 
Account Number : XXXX TransUnion/ Experian/ Equifax XXXX XXXX The payment status is incorrect. 
Account Number : XXXX TransUnion/ Equifax XXXX XXXX Account Number : XXXX TransUnion / Experian / Equifax XXXX XXXX XXXX This account is duplicated. 
Account Number : XXXX Equifax XXXXXXXX XXXX Account Number : XXXX TransUnion/ Experian/ Equifax XXXX Account Number XXXX XXXX TransUnion/ Experian/ Equifax

Company response to consumer: Closed with non-monetary relief