vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Home Depot credit card that advertises no interest on large purchases for 6 or 12 months depending on the price as long as I pay the minimum.

Each month, I pay not only the minimum but also any small purchases to avoid any interest. They used to have an option that allows for this when making a payment, but now that option is gone and its up to customers to calculate the amount they need to pay to avoid interest. I did this and added additional money as buffer. I previously tried to get Home Depot to provide this number and it took several hours of working with their customer service to get them to tell me how much I needed to spend to avoid interest.

Despite investing the time to do this, I was recently charged interest and Home Depot refuses to waive it. Ive tried contacting Home Depot numerous times and they have only given generic AI generated responses.

They make it extremely hard to get to a human via message or phone. The last time I called it took 20 minutes to get an human - not because I was on hold but because I had to try every branch on their phone tree to get to someone that wasnt a robot. And their chat support has been broken for months.

Home Depot is lying to customers about its payment terms and now refusing to admit a mistake. Their customer service is not apparently overseen by humans. They should be fined for this extremely consumer unfriendly behavior.

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 2025-02-06 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: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> LexisNexis Risk Solutions XXXX XXXX XXXX XXXX, GA XXXX Dear LexisNexis Risk Solutions, I am writing to formally address an urgent issue regarding the unauthorized use of my credit report, specifically under the guidelines of 15 U.S.C. 1681b ( 2 ). It has come to my attention that my credit report has been accessed without my explicit authorization, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

The unauthorized information has caused me significant mental and financial stress, leading to substantial inconvenience. If this unauthorized information is not removed promptly from my LexisNexisXX/XX/XXXX. report, I will have no alternative but to pursue monetary relief to compensate for the distress and inconvenience caused by this breach. 

Furthermore, I would like to draw your attention to the lawsuits, XXXX v. XXXX XXXX XXXX. XXXX, as well as lawsuits from XXXX XXXX which underscores the importance of proper investigation and the correction of inaccuracies in consumer reports. This case highlights the critical need for consumer reporting agencies like LexisNexis to ensure that all information is accurate and that unauthorized entries are addressed immediately. 

I kindly request that you confirm the removal of any claims and infractions from my LexisNexis XXXX XXXX report at your earliest convenience. I am eager to resolve this matter swiftly and amicably. Should you require any additional information, please feel free to contact me at the phone number provided above. 

Thank you for your immediate attention to this pressing matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Fraudulent searches on credit profile with experian

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEMEN XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear MIDLAND CREDIT MANAGEMEN, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor.

o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact.

Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved.

Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General.

Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports.

Thank you for your attention to this matter. I look forward to your prompt and complete response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-02-06 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Huntington Debt Holding LLC
State: FL

Complaint narrative:
Huntington Debt Holding, LLC ( HDH ) claims they have fully responded to my requests, but after meticulously reviewing the bogus file they provided, they failed to provide the information I originally requested. 

The Receipts I Requested ( And Still Didnt Get ) : Agreement Between Huntington Debt Holding, LLC , and the Client I did not find any document explicitly granting Huntington Debt Holding , LLC , the authority to collect the alleged debt.

Forward Flow Agreement The PDF document does not include a Forward Flow Agreement.

Signed Agreement Between the Debtor ( Me ) and the Debt Collector ( HDH ) The document contains a loan agreement involving XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX, XXXX as the placement agent. However, there is no signed agreement between myself and the debt collector ( HDH ). 

Confirmation of Insurance Claims Regarding This Account There is no explicit confirmation of whether insurance claims have been made. 

Confirmation of Judgments Obtained by Any Creditor Regarding This Account The PDF document does not confirm whether any judgments have been obtained. 

Name and Address of the Bonding Agent for XXXX XXXX XXXX, XXXX No such information was provided. 

During their weak response, HDH admitted they are a passive debt buyer and claim they dont engage in credit reportingso why are they attempting to collect from me at all? Their response is full of excuses : saying they didnt receive my request via email, assuming I sent it by mail, and then rushing out a flimsy response. They still failed to provide the legally required documents to validate this debt. 

They are violating my rights under the FDCPA ( XXXX XXXX. XXXX ) by failing to provide proper validation of this debt. Responding quickly doesnt absolve them of their responsibility to provide complete, accurate, and legally required documentation. 

Ive attached the documents they providednone of which prove they have a valid claim against me, along with a Cease and Desist letter, Debt Validation letter and an accompanying letter to help with HDH efforts. This debt remains unverified, and I expect immediate corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account number - XXXXXX/XX/XXXXXXXX - Account number XXXX XX/XX/XXXX - Account number - XXXX XX/XX/XXXX - Account number - XXXX XXXX XX/XX/XXXXXXXX XXXX - Account number - XXXX XX/XX/XXXX Important dates Inquiry date XXXX XXXX, 2023 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-02-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my report, and this time, I was shocked to find unexplained discrepancies. I even refreshed my browser, hoping it was just an error, but the inquiry remained. This situation is extremely frustrating, and I demand that the documents I submitted be thoroughly reviewed so I can finally put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
A careful review of my credit record revealed unverified late payment entries that remain unaddressed despite multiple communication attempts. Over 30 days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these undocumented late payments raises significant concerns about their accuracy and potential impact on my credit standing.

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I had a old account and Chex system is reporting this on my file when I reach out to tell them I had a account why in 2000 and that this was open fraudulently I was a victim of identity theft I have over 15 to 16 data breaches where my information has been stolen. I let check systems know that the XXXX XXXX XX/XX/XXXX and the XXXX and all of the inquiries are not mine and I would like for them to be taken off. If not, I will have to resort in getting a lawyer. They can not give me a signed copy because this was opened up fraudulently online.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against cash app ( Block , inc ) due to in adequate customer service and unfair practices which violates the consumer financial protection act CFPA, specifically Cash app failed to take timely ineffective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act EFTA And regulation 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 2025-02-06 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63000.00} Late/Open XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} XXXX DEPTEDXX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$210000.00} Late/Open Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to make a XXXX XX/XX/XXXXaccount but the questions for the quiz portion contained inaccurate information about me so I couldn't create the account. I called XXXX XXXX and they informed me that Experian controls that information and then transferred me to Experian, after explaining my issue to an Experian representative they then transferred me back to XXXX XXXX. I then requested my credit report from Experian and discovered discrepancies. I called Experian and was left on hold for more than 38 minutes before they hung up on me. This occurred on Thursday XX/XX/scrub> 2025.

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 2025-02-06 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: CITIBANK, N.A.
State: MO

Complaint narrative:
My credit bureau reports from XXXX, XXXX and XXXX are reporting an account opened XXXX with Citibank and was assigned to XXXX XXXX XXXX XXXX XXXX with date of 1st delinquency XXXX. 
I sent a letter to XXXX on XXXX requesting I be provided proof of this agreement with my signature. Also I questioned why it was still being reported when the indicated date is beyond the 5 year time limit. 
The statute of limitations for credit card accounts under Missouri law, RSMo 516.120, is five years. 
The response letter I received from XXXX verified receipt of my letter requesting proof of my signature on a contract and rather than providing that proof to me simply responded that this account has been reported to the Credit Bureaus as " disputed ''. 
In the time it took to receive a response ( I mailed a certified letter on XX/XX/XXXX ) and received a letter dated XX/XX/XXXX advising me they had conducted an " investigation '' and that the information being provided to the Credit Bureaus is " accurate '' Because of the account being reported as 1st Delinquency of XXXX, that is considered a time barred account. I have also had numerous lawsuits filed through court after XXXX in which my bank account receiving Social Security be seized. 
I also have never received a 1099 C from Citibank N.A.

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