vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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 ) 281 SW 715.719. 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 2025-05-21 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:
Experience Credit Reporting XXXX XXXX not mine XXXX XXXX XXXXe not mine XXXX not mine XXXX XXXX XXXX XXXX belong to my ex-husband XXXX XXXX XXXX XXXX XXXX belong to my ex-husband XXXX Inquiries CXXXX 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

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 2025-05-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi sent a new card that I did not request ( my account was locked at the time ) and it was sent to an unknown address. Citi said in XXXX call it may have been sent to another address. I disputed the charges the day I discovered them, the day after they were made XX/XX/year>. 
The account was closed, but an auto pay was set up and funds were taken to cover fraud charges, {$3400.00}. 

After numerous calls, I have been told charges have been credited, but I have to wait for some XXXX to contact me before I can receive funds. I have called XXXX times now and each time get the same run around, they cant help me I need to wait for a phone call that never arrives.

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 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX. 

Date : XX/XX/year> XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Subject : Formal Cease and Desist Demand for Alleged Debt CollectionAccount Reference # : XXXX ( Last Four Digits ) : XXXX To Whom It May Concern, This letter serves as a formal Cease and Desist request regarding your collection activities related to the alleged debt associated with my name. Under my rights granted by federal law, I am demanding that Credit Control , LLC immediately stop all forms of communication and collection attempts toward me, including but not limited to calls, letters, emails, or credit reporting activity regarding the alleged account.

Pursuant to : * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ) Once a written request is made for a debt collector to cease communication, the collector must not contact the consumer again except to : 1. Advise that further efforts are being terminated, 2. Notify that the debt collector may invoke specified remedies which are ordinarily invoked, or 3. Notify that the debt collector intends to invoke a specified remedy.

* FDCPA, 15 U.S. Code 1692e Prohibits false, deceptive, or misleading representations in connection with the collection of any debt.

* FDCPA, 15 U.S. Code 1692g Requires debt collectors to provide written validation of the debt within five days of initial contact. If you have not satisfied this requirement, you are in violation of federal law.

* Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 You are prohibited from reporting inaccurate or unverifiable information to credit reporting agencies. Should you be furnishing information on an account that has not been properly validated, you may also be in violation of the FCRA.

This is not an acknowledgment of any liability or agreement to pay any alleged debt. If you can not validate the debt with competent legal documentation, you are required by law to remove all references to this account from my consumer credit reports immediately.

Should Credit Control , LLC fail to comply with this cease and desist request or continue to violate my rights under federal law, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue civil legal action for damages, including but not limited to actual damages, statutory damages, and attorney fees, as provided under 15 U.S.C. 1692k.

You are hereby instructed to cease and desist all collection activities immediately. I recommend that all future communications regarding this matter be done in writing and sent to the address above. 

Sincerely, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I received a bill for a past-due amount of {$350.00} from Capital One for a credit card account that I have not used. The last time I used the card was to pay off the balance, and I stopped using it due to the high interest rates. I chose not to close the account to maintain a longer credit history, but I have now received a letter showing an unexplained charge. The letter does not provide a breakdown of the charges or details on what was purchased, who made the transactions, or how many transactions there were. When I called customer service, I learned that my Capital One online account had been deactivated and the collections department told me the account was charged off. They were unable to provide any further details. I am requesting assistance because the charges are not mine, and I have not received the necessary information to understand what these charges are for. I need a detailed account statement, including information on where and by whom the card was used, as well as which vendors may have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-21 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: LEXISNEXIS
State: VA

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated, addresses and incomplete items from XX/XX/XXXX XXXX LEXIS NEXUSXX/XX/XXXX XX/XX/XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : Fraudulent addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXX/XX/XXXXXXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXXXX/XX/XXXX ( XXXX ). 
FRAUDULENT INQUIRES : XXXXXX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX these accounts were opened fraudulently without my authorization and inquires are fraudulently made without my authorization. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) these items should be blocked and deleted within 4 days of received FTC Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX 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 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 2025-05-21 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is my third formal complaint regarding Bank of Americas continued and unjustified hold on cleared IRS refund funds. 

I deposited a legitimate IRS refund check into my business account ending in XXXX. The check cleared and posted to my account on XXXX XXXX, 2025, and the funds remain visible in the account. However, the account has been restricted to credits only for over 31 business days, with no access to the funds. 

I have received no written explanation, no fraud notice, and no request for further documentation. A representative verbally stated that the funds were under review, but I have not been given any official reason or process for resolution. 

I attempted to use XXXX recently, and the transaction failed, confirming the restriction is still active. 

I will be submitting a final demand letter to Bank of America and inform them they have 3 calendar days to release the funds before legal action is taken. This is now an issue of severe financial harm and emotional distress. 

Bank of Americas failure to release cleared government funds, provide any communication, or offer a path to resolution is unacceptable and may violate federal regulations. I request immediate regulatory review 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 2025-05-21 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: LA

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 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 2025-05-21 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC Report Number : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent data. 

Several times I have contacted the credit bureau to report these fraudulent accounts on my report, and the bureau has not provided a solution to this issue. I am being seriously affected, as this situation prevents me from acquiring a new home for my children. These collections were already eliminated and not verified by other bureaus, so I do not understand why it is being claimed that these accounts are mine. 

I have requested contracts from the company reporting these accounts, and for more than 60 days I have not received any response. Please help me by immediately deleting these accounts. I am attaching the FTC report, hoping that you will make a fair and appropriate decision in my case.

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 2025-05-21 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: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I'm filing this complaint to XXXX XXXX XXXX XXXX  because Ive discovered inaccurate and unfairly reported late payments on my credit reports that are causing serious harm to my financial life. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be 100 % accurate, verifiable, and complete. 
Ive disputed the account, and they either verified them without proper investigation or flat-out ignored the key facts. Ive asked for method of verification per Section 611, and Ive received no legitimate proof that is in compliance with Metro 2 standards or federal law. The item is not only misleadingtheyre unlawful to report in their current state. Im requesting the CFPB immediately investigate XXXX XXXX XXXX XXXX as well as take enforcement action where necessary. I also demand the immediate removal of these late payments, which are unverifiable and damaging. I'm not asking for a handoutI 'm asking for a fair shake, and for the law to be followed. I work hard and take care of my responsibilities, but this company need to be held accountable when they break the rules. Thank you for standing up for consumers like me.

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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I put for equifax to remove XXXX XXXX from my credit report and they refused to move we it have been resolved

Company response to consumer: Closed with non-monetary relief