vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
I am writing in response to your recent communication dated XX/XX/year> regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am exercising my right to request validation of the debt in question. Please consider this letter as a formal request for verification of the debt. As you have not supplied proof under the doctrine of estoppel by silence, as established in XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, and therefore no such debt, in fact, exists. Should you fail to provide the requested information within 30 days of your receipt of this letter, it will further support the presumption that the debt is not valid. Additionally, this letter serves as notice for you to CEASE & DESIST all communication activities in regards to the listed account above, in accordance with 15 USC 1692c ( C ). Failure to remove the account from my consumer report within 15 days as requested will result in legal matters being pursued, including reporting you to the FTC ( Federal Trade Commission ) for aggravated identity theft, FRAUD, and for violation of the FDCPA.

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 2025-01-29 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: VT

Complaint narrative:
Request improper information to be removed from my credit report. I've been writing these credit bureau to validate or remove information immediately. And update to one name one address on my cerdit report, things coming back verified that are not my loans or cerdit cards, that is being reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: VT

Complaint narrative:
Request improper information to be removed from my credit report. I've been writing these credit bureau to validate or remove information immediately. And update to one name one address on my cerdit report, things coming back verified that are not my loans or cerdit cards, that is being reported

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NY

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
We want to formally add our names to the list of people affected by the recent Capital One bank scheme to create the new 360 Performance Savings accounts without notifying existing 360 Savings account holders about the existence of the new product and the fact that the 360 Savings interest rates would no longer align with their marketing. 

Just from XXXX - XXXX, I calculated that we lost {$10000.00} in compound interest due to the scheme, and an estimated {$15000.00} - {$20000.00} if calculated back to XX/XX/XXXX when the 360 Performance Savings accounts were introduced. ( I don't have access to the 360 Performance Savings interest rates from XX/XX/XXXX to XX/XX/XXXX. We opened a savings account for our youngest daughter in XX/XX/XXXX, so it was automatically opened as a 360 Performance Savings account. I was able to get the difference in interest rates between the two account types from my archived bank statements. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to adequate 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 Regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress For there violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 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 2025-01-29 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: FL

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 2025-01-29 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: OH

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.5536y ( 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I request the removal of hard inquiries that I do not recognize from my credit report... 

Equifax XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX, XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

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 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 2025-01-29 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
I am filing a complaint against Experian for failing to correct multiple inaccurate late payment notations on my credit report. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting under 15 USC 1681e ( b ) and the right to privacy under 15 USC 1681a ( 4 ). Upon reviewing my credit report, I identified six accounts where late payments were inaccurately reported and should be updated to reflect a " Paid as Agreed '' status. These accounts include XXXX XXXX ( Acct # : XXXX ) with late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX  XXXX ( Acct # : XXXX ) with late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX Acct XXXX XXXX XXXX ) with late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX  ( Acct # : XXXX ) with late payments from XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX ; XXXX XXXX ( Acct # : XXXX ) with late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX ; and XXXX  XXXX ( Acct # : XXXX ) with a late payment in XX/XX/XXXX. 

Experian has failed to conduct a proper investigation as required under 15 USC 1681i ( a ). Additionally, under 15 USC 1681b ( 2 ), a consumer reporting agency may only furnish a consumer report by the written instructions of the consumer. I never provided written authorization for Experian to report these inaccurate late payments. By failing to ensure accurate reporting, Experian has not only violated federal law but has also caused significant harm to me, including defamation of character, emotional distress, and financial hardship. Due to these inaccuracies, I have been unable to secure a mortgage, which has left my family in a vulnerable housing situation. 

I am requesting that the CFPB investigate Experian 's failure to comply with federal law and take immediate corrective action. I demand that Experian update the accounts to reflect a " Paid as Agreed '' status, provide written confirmation of the corrections, and issue an updated copy of my credit report within 14 days. Experians negligence in reporting and failure to correct these inaccuracies violate my rights under the FCRA, and I urge the CFPB to intervene to ensure compliance and accountability.

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 2025-01-29 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: 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 XXXXXXXX XXXX XXXX  Reference number - XXXX Record type Bankruptcy chapter 7-discharged XXXX XXXX XXXXXXXX XXXX XXXX XXXX ________________________________________________ XXXX XXXX BANK SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX BANK - XXXXXXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX & XXXX Original creditor : XXXX  - XXXX XXXXXXXX XXXX XXXX  Original creditor : XXXXE - XXXX XXXX XXXX XXXX XXXX Removed From Equifax XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX From Equifax XX/XX/XXXX XXXX creditor : XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX BANK - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX BANK N.A. - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - XXXX INQURIES XXXX XXXXXXXX NA Inquiry date XX/XX/XXXX CAP XXXX NA Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX 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 15 USC 1681 C-2 15 USC 1681 BA2 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: 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 XXXXXXXX XXXX XXXX  Reference number - XXXX Record type Bankruptcy chapter 7-discharged XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________________ XXXX XXXX BANK SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX BANK - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX & XXXX Original creditor : XXXX - XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX - XXXX XXXX XXXX XXXX XXXX Removed From XXXX XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX From XXXX XX/XX/XXXX XXXX creditor : XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX BANK - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX BANK N.A. - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX BANK - XXXX INQURIES XXXX XXXXXXXX NA Inquiry date XX/XX/XXXX XXXX XXXXXXXX NA Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX CO Inquiry date XX/XX/XXXX 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 15 USC 1681 C-2 15 USC 1681 BA2 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 explanation
Consumer complaint received 2025-01-29 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:
This morning, I noticed some incorrect accounts appearing on my credit report, and I have no idea how they got there. I regularly review my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a technical issue, but the inaccurate accounts remained. Because of this, I request a thorough review of the documents I have submitted so that I no longer have to worry about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed XXXX items I request that proof of identity be shown abd proof of my signature on theses documents they denied my claim and did not provide the documentation requested. The listed debt was not done by me and under fraudulent prentices. 

XXXX XXXX XXXX {$690.00} XXXX XXXX {$420.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief