vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
This account has been reported several times for inconsistent charges appropriated with my account. I have reported to the company several times this account is collecting. charges that has not been allocated by me. My account has been sent to the police and a police report was made in reference to this account. The account was made by me, but the charges were not made by me. Police Report # : XXXX by the XXXX XXXX XXXXXXXX Police Department was an accumulation of charges due to trafficking that was not purposed by anyone I know. This report was created and I did submit this to the police to fix this on my behalf and have this account closed. I would like to have all charges cleared and to contact me in reference to the fraud that has been ongoing with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
On XX/XX/year> my husband and I visited the XXXXe kiosk at XXXX XXXX and purchased XXXX phones from salesman, XXXX ( dont remember his last name ) The kiosk does not stock phones so XXXX said XXXX would ship the phones to our home address. XXXX took our credit card, charged & XXXX ( see attached cardholder summary ). We received the XXXX phones. We never used the phones. We never used XXXX service. 

We returned to the XXXX XXXX to return the phones. We were told that they can not accept the phones because they do not stock phones. They told us to bring the phones to a XXXX store to return them. 
On XX/XX/XXXX, we traveled to XXXXXXXX XXXX, and we returned the phones to the XXXX store. We received a full refund. {$110.00} ( see attached XXXX cardholder summary ) We never used the phones. We never used XXXX service. 

In XXXX we recd a bill from XXXX. 
I called XXXX and explained that they made a mistake we never used the phones we never used XXXX. I called XXXX again in XXXX and again in XXXX. Last week I contacted XXXX and was assisted by XXXX XXXX. | Supervisor XXXX Wholesale | Member Service Center Today I received a letter from a collection agency, XXXX XXXX XXXX. I immediately called the company and spoke with XXXX and explained my dispute. I also sent an email to XXXX and to XXXX explianing my dispiute. 

We are being harassed. We never used the phones. We never used XXXX service. As I stated, the purpose of this email / letter is to dispute this unfair claim which is causing me and my husband great anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX Account Number XXXX XXXX XXXX I am sending this letter in response to the alleged debt you are reporting on my credit report. I dispute the validity of this debt in its entirety and demand strict verification per my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Under 15 U.S.C. 1692g ( b ), you are required to provide me with detailed and verifiable proof of the following : XXXX. Proof of Ownership : A signed contract or agreement that proves I have a direct obligation to pay XXXX XXXX XXXX. 
XXXX. Chain of Custody : A full payment history and a breakdown of how the alleged balance was calculated, including the original agreement with XXXX XXXX XXXX. 
XXXX. Proof of Authorization : A copy of your legal authority to collect this debt, including the purchase agreement or assignment contract between you and the original creditor. 
XXXX. Proof of Licensing : Your companys collection license for my state, proving you are legally authorized to collect debts in my jurisdiction. 
Additionally, under 15 U.S.C. 1681s-2 ( b ), if you can not verify this debt with concrete proof, you are legally required to delete this account from all consumer reporting agencies ( Equifax, XXXX, and XXXX ) XXXX 
If you can not provide the requested validation within 30 days, you must immediately remove this account from my credit report and cease all collection activities as required by federal law. Any attempt to report unverifiable or inaccurate information violates the FCRA ( 15 U.S.C. 1681n and 1681o ), and I will be forced to take legal action if necessary.

This letter serves as notice that I do not consent to any phone communication regarding this matter. All correspondence must be in writing. Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

I expect a response within 30 days from the date of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX Account Number XXXX XXXX XXXX I am sending this letter in response to the alleged debt you are reporting on my credit report. I dispute the validity of this debt in its entirety and demand strict verification per my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Under 15 U.S.C. 1692g ( b ), you are required to provide me with detailed and verifiable proof of the following : XXXX. Proof of Ownership : A signed contract or agreement that proves I have a direct obligation to pay XXXX XXXX XXXX. 
XXXX. Chain of Custody : A full payment history and a breakdown of how the alleged balance was calculated, including the original agreement with XXXX XXXX XXXX. 
XXXX. Proof of Authorization : A copy of your legal authority to collect this debt, including the purchase agreement or assignment contract between you and the original creditor. 
XXXX. Proof of Licensing : Your companys collection license for my state, proving you are legally authorized to collect debts in my jurisdiction. 
Additionally, under 15 U.S.C. 1681s-2 ( b ), if you can not verify this debt with concrete proof, you are legally required to delete this account from all consumer reporting agencies ( XXXX, Experian, and XXXX ) XXXX 
If you can not provide the requested validation within 30 days, you must immediately remove this account from my credit report and cease all collection activities as required by federal law. Any attempt to report unverifiable or inaccurate information violates the FCRA ( 15 U.S.C. 1681n and 1681o ), and I will be forced to take legal action if necessary.

This letter serves as notice that I do not consent to any phone communication regarding this matter. All correspondence must be in writing. Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

I expect a response within 30 days from the date of this letter. 
Sincerely, 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
IM SICK OF THIS GARBAGE!!!!!

Trans Union needs to permanently remove the error message that shows up when Im trying to freeze and unfreeze my account. Ive filled a complaint before and they didnt take the steps to accommodate my request.. 


PLEASE Permanently remove the requirement for me to reach out and involve myself with a agent in order to unfreeze or freeze 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
IM SICK OF THIS GARBAGE!!!!!

Trans Union needs to permanently remove the error message that shows up when Im trying to freeze and unfreeze my account. Ive filled a complaint before and they didnt take the steps to accommodate my request..

PLEASE Permanently remove the requirement for me to reach out and involve myself with a agent in order to unfreeze or freeze 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 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a Capital One credit card which was charged multiple times for XX/XX/year> through XX/XX/year>. I noticed at least 13 charges on my account. I contacted XXXX, and XXXX the rep confirmed that the account was not under my name. They filed a dispute on my behalf and assured me that they would be refund all charges. The case number for the dispute is XXXX. However, Capital one is still holding me responsible for these charges. I kindly request that these charges be removed from my statement and the matter be resolved. 
Thank you for your assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Incorrect Payment History Dear XXXX, I am writing to request a goodwill adjustment for a late payment that is on my account. Upon reviewing my report, I noticed discrepancies regarding my payment history for the following accounts : [ XXXX XXXX Account Ending in XXXX The payment history indicates a missed payment for XXXX, XXXX, XXXX which is incorrect. I always make my payments on time and make efforts to fulfill my financial responsibilities. I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on an account as late of any purpose. 

I am asking that these late payments be updated to current. 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 non-monetary relief
Consumer complaint received 2025-01-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Incorrect Payment History Dear XXXX, I am writing to request a goodwill adjustment for a late payment that is on my account. Upon reviewing my report, I noticed discrepancies regarding my payment history for the following accounts : [ XXXX XXXX Account Ending in XXXX The payment history indicates a missed payment for XXXX, XXXX, XXXX which is incorrect. I always make my payments on time and make efforts to fulfill my financial responsibilities. I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on an account as late of any purpose.

I am asking that these late payments be updated to current. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: FL

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. 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 take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
these are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: GA

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. XXXX ) 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. 


These are the accounts I list as inaccurate XXXXXXXX XXXX XXXX  for {$860.00} XXXX XXXX XXXX XXXX {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MD

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Hunter Warfield XXXX, Florida XXXX Subject : Cease and Desist from Communication Dear Hunter Warfield, I am writing to formally request that you cease and desist all communication regarding the alleged debt associated with my account, account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me. 

Please be advised that I am disputing the validity of this debt. Until you can provide me with verification of this debt, I request that you refrain from any further communication with me, including phone calls, letters, or any other forms of contact. 

If you do not comply with this request, I will not hesitate to report your actions to the appropriate regulatory authorities and may consider taking legal action.

Please consider this letter as my formal notice to halt all collection activities regarding this matter. I expect a written response confirming that you have ceased and desisted from the aforementioned actions within 14 business days.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: OH

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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: AL

Complaint narrative:
XX/XX/year> : I paid a person to get a self defense package where there were 2 transactions. 1 for {$60.00}. The other for {$45.00}. It turned out to be a scam. I immediately notified cash app to dispute with person to try and get my money back. I have not heard anything since. I have reached out again to obtain status. It may not be a lot. However, I worked to hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-01-30 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: NY

Complaint narrative:
I am reaching out to formally dispute the incorrect negative accounts listed on my credit report. The information provided is not accurate, and I demand an immediate investigation into these discrepancies. These negative entries do not reflect my true credit history, and I expect them to be corrected or removed without delay.

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