vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email ] ( optional ) [ Your Phone Number ] ( optional ) [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, ZIP Code ] Subject : Debt Validation Request Pursuant to 15 U.S.C. 1692g Dear [ Debt Collectors Name ], I am writing to formally dispute the validity of the alleged debt you claim I owe. This letter serves as my debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which grants me the right to request full validation of the debt you are attempting to collect.

Per federal law, you are required to provide the following within seven ( 7 ) days of receiving this request : 1. Proof of Debt Ownership : Provide the original creditors name, address, and proof that you have the legal authority to collect this debt.

2. Full Accounting Statement : A complete breakdown of the debt amount, including principal, interest, fees, and how they were calculated. 
3. Legal Standing : Copies of any judgment, contract, or 3. Legal Standing : Copies of any judgment, contract, or agreement with my signature that proves I am responsible for this debt.

4. Chain of Custody : Documentation showing the legal transfer of the debt from the original creditor to your agency.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, if you can not verify the debt with proper documentation, you must immediately cease collection efforts and request its removal from all credit reporting agencies ( XXXX, XXXX, and XXXX ) within seven ( 7 ) days.

Additionally, per Consumer Financial Protection Bureau ( CFPB ) regulations, continued collection efforts without proper validation violate federal law and will result in complaints filed with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney General. 
If you fail to provide proper validation within seven ( 7 ) days, I expect this account to be deleted from my credit report and for all collection activity to cease immediately. Any attempt to report unverified debt may be considered a violation of my rights under the FDCPA and FCRA, subjecting your company to legal consequences. 
Please respond in writing only. Any further attempts to collect on this unverified debt will be considered harassment. 
Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am writing to formally dispute the accuracy of a delinquent account appearing on my credit report. This account is inaccurate and unverifiable, and I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under FCRA 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of an item. Credit bureaus must go beyond simply relying on the creditor 's word and conduct an independent review. If the furnishing party fails to provide sufficient verification, the account must be deleted.

Furthermore, FCRA 1681s-2 ( a ) places an obligation on the information provider to supply accurate and verifiable data. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that failure to properly verify disputed information is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
Despite my submission of supporting documentation, I have not received a satisfactory resolution, and the inaccurate information remains on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes and ensure the accuracy of reported information. Given the lack of resolution, I request a detailed explanation of your findings and any evidence used to verify the disputed item. If the issue is not properly addressed, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies.

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 2025-03-11 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that is not reporting accurately. It shows a late payment on my XXXX XXXX account for XX/XX/year> ; however, this payment was made on time. XXXX correctly reports this payment as on time, but TransUnion is inaccurately reporting it as late. Consumer reporting agencies are required to report all information with complete accuracy. This account has never been late. 

I am requesting an investigation into this matter and an immediate update to reflect the correct payment status, aligning with the accurate reporting by XXXX. Thank you for your prompt attention and assistance.

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 2025-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a new Truist checking account in XXXX online as required to qualify for a new account {$400.00} promotion the TRUIST site timing out after several attempts to open and I called the Truist XXXX customer service line and was instructed to go into the branch and open the account as I did and banking agent was aware of what had transpired and gave promotion code XXXX to representative at the bank was aware After sometime had passed I had not received the promotion in my account so on XX/XX/year> I called the call center and spoke with a representative XXXX explaining situation again with promotion code reference no XXXX he noted my account to resolve this problem by advising a banking rep would be reaching out, he noted all of this with an explanation and call back request complaint I filed with him.I have followed up continuing to monitor my account and calling back often. 
Called the branch today and she saw that they said I was not qualified for this promotion which even she agreed I was and she told me she was going to file a complaint with the upper Truist Bank management to resolve this as I now have 5 accounts with substantial balances and in this bank that Im closing over this and go somewhere else because they are not honoring promotions they are scamming for new customers money.I have filed numerous complaints with the call center with the branch and with the promotion supervisors they refuse to rectify this situation. I guess they wan na lose a good new customer and relationship over {$400.00} I dont want to see any others fall victim to TRUIST BANK NEW ACCOUNT PROMOTIOM scam like I did. I am fully qualified for this promotion and did all requirements that were requiredincluded two direct deposits each month so many transactions as required so many transfers and all the different things that were necessary for them to honor this promotion. 

Please call me for more details 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 2025-03-12 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-12 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:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened aXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.

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 2025-03-11 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: PA

Complaint narrative:
I am asking for your help in investigating companies that have inaccurately reported late payments on my accounts. Upon reviewing my credit report, I found errors where certain accounts were marked as late, which is incorrect. No late payment remarks should be on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: AZ

Complaint narrative:
Inaccurate reporting of late payments on 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account : XXXX Date : XX/XX/XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Both accounts opened with out my knowledge.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account : XXXX Date : XX/XX/XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Both accounts opened with out my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account : XXXX Date : XX/XX/XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Both accounts opened with out my knowledge.

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 2025-03-11 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: NJ

Complaint narrative:
Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. I have so far filed four disputes twice due to no reinvestigation efforts by Experian. The Consumer Financial Protection Bureau ( CFPB ) has recently 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 I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Thank 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 2025-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XX/XX/year> CarMax , Inc . 

Subject : Dispute of Billing and Violation of 15 U.S.C. 1666b ( 2 ) Dear CarMax, I am writing to formally dispute an issue with the billing and charges related to my account with CarMax. It has come to my attention that your company has violated federal law, specifically 15 U.S.C. 1666b ( 2 ), which governs billing practices related to consumer credit accounts.

The Fair Credit Billing Act ( FCBA ) under 15 U.S.C. 1666b ( 2 ) clearly states that creditors, such as CarMax, are required to promptly address disputes regarding billing errors and ensure that disputed charges are not improperly retained or collected. According to my records, there have been errors, or discrepancies related to my account, and I demand immediate action to resolve this issue. 
Here are the facts of the situation : Errors : Payments that were made but not showing on the report, the status of account and activity. 
Failure to Address Dispute : they failed to send me a verification of debt, and not given a proper 1099c but on report it states Charge-Off.

Violation of 15 U.S.C. 1666b ( 2 ) : As per the FCBA, CarMax has failed to resolve this issue within the required time frame or follow the proper legal procedures for handling billing disputes.

Under the provisions of the Fair Credit Billing Act, I expect an immediate investigation into this matter Additionally, I request that any negative marks or incorrect information related to this dispute be removed from my account and credit report. 
Failure to resolve this matter within the legally-mandated time frame will leave me no choice but to escalate this dispute further, including lodging formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

Please provide written confirmation of your actions to rectify this dispute within 14 days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  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 2025-03-11 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  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