vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Under 15 U.S.C. 1692g ( b ), I formally request validation of the alleged debt. You must provide the following documents within 30 days : 1. Proof of the Original Debt A full accounting of the alleged debt, including the original creditors name, the amount owed, and an itemized breakdown of all charges, interest, and fees.

2. Proof of Assignment A legal contract of assignment demonstrating that you have the legal right to collect this debt. If you are not the original creditor, provide a chain of title showing how the debt was transferred.

3. Executed Agreement A copy of the original signed contract where I agreed to this debt, proving my legal obligation to pay.

4. Your Debt Collection License Proof that you are legally authorized to collect debts in my state, including a copy of your business license and any relevant bonding requirements.

Until you provide the requested validation, you must cease all collection activities under federal law. If you continue to report this alleged debt to credit bureaus or attempt further collection efforts This letter serves as a formal Cease and Desist demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and a Debt Validation Request under 15 U.S.C. 1692g ( b ).

Cease and Desist Effective immediately, you are to cease and desist all forms of communication with me regarding the alleged debt associated with Account Number XXXX This includes, but is not limited to, phone calls, letters, emails, or any third-party contact. Failure to comply will be considered a violation of my rights under the FDCPA and may result in legal action against you.

Debt Validation Request without proper validation, I will pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office.

This demand is non-negotiable. I am sending this letter via certified mail with return receipt to document your compliance. Failure to adhere to federal law will result in legal consequences. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
THERE ARE SEVERAL MERCHANTS ACCEPTED PAYMENTS FROM MY CHIME BANK ACCOUNT THAT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: NY

Complaint narrative:
See attachment below I received a copy of my consumer report and noticed information that isn't supposed to be reported. XXXX  Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX share loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$21000.00}. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXXXXXX. Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX account from XXXX XXXX withaccount # XXXX and a balance of {$1800.00}. 

INQUIRIES : XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Immediate Removal ( FCRA 611 ) To Whom It May Concern : I am writing to formally dispute the following collection account listed on my credit report, which I believe is inaccurate and not mine : * Account Name : I C System * Original Creditor ( XXXX XXXX * Reported Balance : {$110.00} I assert that I have never had an account with [ XXXX XXXX ], nor do I owe any debt to [ I C System. This is a clear error, and I demand the immediate removal of this inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ).

Specifically, I request that you conduct a thorough investigation into this matter and verify the accuracy of this information. I understand that under FCRA 611 ( a ) ( 1 ) ( A ), you are obligated to reinvestigate disputed information promptly.

I also understand that under FCRA 611 ( a ) ( 5 ) ( A ), you must delete any information found to be inaccurate or incomplete.

I request written confirmation of the removal of this collection account from my credit report within 30 days, as stipulated by FCRA 611 ( a ) ( 1 ) ( A ).

Furthermore, I have also filed a dispute with the collection agency directly, and I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), including the right to debt validation. I have reported this issue to the Federal Trade Commission ( FTC ) via ReportFraud.ftc.gov.

Please take immediate action to correct this error.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX - This accounted has violated my rights by reporting misinformation across all three bureaus. 

XXXX XXXX XXXX : # XXXX - I have no knowledge of this account. I have no contract with this company. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/2025 TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Late Payment Under 15 U.S.C. 1666 ( b ) Dear TransUnion I am writing to dispute the inaccurate late payment reported on my account with ( DEPTEDXXXX- {$4000.00} ), ( DEPTEDXXXX- {$5200.00} ), ( DEPTEDXXXX- {$1600.00} ), ( DEPTEDXXXX- {$1000.00} ), ( DEPTEDXXXX- {$2000.00} ) ( DEPTEDXXXX- {$3300.00} ), ( DEPTEDXXXX {$1400.00} ) .According to 15 U.S.C., 1666 ( b ) you are legally required to ensure the accuracy of information on my credit report.

The reported late payment on this account is inaccurate, as the account was paid as agreed. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), you must provide factual verification proving the accuracy of this record. If you can not provide legitimate documentation proving this late payment, it must be removed immediately.

Under 15 U.S.C. 1681i, if any information is incomplete, inaccurate, or unverifiable, you must delete or correct it within 30 days. Additionally, under 15 U.S.C. 1681e ( b ), the credit bureau is required to maintain maximum possible accuracy in reporting.

I expect a written confirmation of the results of your investigation within the legally mandated timeframe. Failure to comply with this request may result in further action being taken. 

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 non-monetary relief
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on My Credit Report Reference to Code XXXX  Dear Sir/Madam, I am writing to formally dispute an item on my credit report, which I recently received from your bureau. The item in question is associated with the code XXXX, and I believe it to be inaccurate or erroneous. I request a prompt investigation into this matter and a correction, if necessary, in accordance with the Fair Credit Reporting Act. 

Details of the disputed item : Account Name : Transworld systems Account Number : XXXX Disputed Code : XXXX Date of Entry : XX/XX/year> I request that you review the above-mentioned item and provide me with the results of your investigation. Please remove or correct this entry if it is found to be inaccurate, incomplete, or unverifiable. 

In accordance with the Fair Credit Reporting Act, I ask that you notify me of the outcome of your investigation, including any changes made to my credit report, within 30 days. I have attached relevant documentation to support my claim, which includes [ copies of statements, payment records, etc. ]. 

Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this issue. 

Sincerely, XXXX XXXX [ Enclosures : Copies of documents supporting your dispute, if any ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2025-04-06 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: GA

Complaint narrative:
Company said I was pre approved and then ran my credit with 5 other creditors and proceeded to do so days after without my consent.

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 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Complaint Against Citi Bank for FCBA Violations and Unfair Practices, Im filing this complaint against Citi Bank for unfair billing and potential Fair Credit Billing Act ( FCBA ) violations. In XX/XX/XXXX, I disputed a {$520.00} XXXX XXXX charge on my XXXX XXXX XXXX XXXX initially as fraud by mistake, but later clarified it was for incorrect fees. Citi Bank charged {$160.00} in interest over 9 months during the dispute, forcing me to pay {$690.00} in XX/XX/XXXX to XXXX  the balance. I closed the account in summer XXXX. Since XX/XX/XXXX, Citi has charged ongoing fees, notified to me in XX/XX/XXXX, continuing through my XX/XX/XXXX statement, damaging my credit, despite no activity. 

Citi Banks XXXX ( XXXX ) : Before my XXXX payment, Citi said XXXX denied my fraud dispute, citing a rental agreement I signed, and they cant change the dispute reason. They declined credit, added a disputed note to my credit file until paid, and closed the matter, directing me to XXXX. 

My XXXX ( XX/XX/XXXX ) : I told Citi I mistakenly filed as fraud, clarified it was about fees ( no roadside assistance used ), and asked to reopen the dispute and restore my payment status. They never responded to my XXXX reconciliation attempts or my XX/XX/XXXX email. 

XXXX Violations : Interest During Dispute : FCBA ( 15 U.S.C. 1666 ) bans interest on disputed amounts during investigation. Citi charged {$160.00} over 9 months ( XXXX XXXX ), unfair and illegal, even if misclassified. 

Post-Payment Charges : After paying {$690.00} in XX/XX/XXXX, XXXX implies no further fees on a XXXX balance ( consumer.ftc.gov ). Citis fees since XX/XX/XXXX through XX/XX/XXXX violate this. 

Credit Damage : XXXX ( XXXX XXXX. XXXX ) prohibits adverse credit actions post-resolution. Citis reporting hurts my score. 

Unfairness : I accidentally filed as fraud, but Citi ignored my XXXX attempts to correct it to fees, charged interest illegally for 9 months ( {$160.00} extra ), and now adds ongoing fees since XX/XX/XXXX on a closed account, only notifying me in XX/XX/XXXX. 

Appeal : I request : XXXX ) Investigate FCBA violations ; 2 ) Cancel fees from XX/XX/XXXX onward, as Im still being charged ; 3 ) Remove credit damage ; 4 ) Refund {$160.00}. Ive attached payment proof ( {$690.00}, XX/XX/XXXX ). Citis non-response and actions lack fairness. 

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 2025-04-05 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: GA

Complaint narrative:
See Attached Documents ... .Identity Theft This CFPB Complaint has been filed to Request Pursuant to FCRA & 6065B ( 15 U.S.C. 1681c-2 ) that you, the Transunion Equifax and Experian Credit reporting agency, block information appearing on my consumer credit report that the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, Inaccurate, and false information Consists of auto loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts resulted in collections or closed accounts on my consumer FICO credit report maintained by you which shows the Aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or Initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections, and hard inquires are the result of Identity Theft and Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After paying down my credit utilization from 104 % to 8 % my credit score only changed with experian by XXXX point increase. Something is seriously wrong when XXXX XXXX makes up XXXX % of a credit score. Several items have been disputed and still awaiting 1 item to be removed as an authorized user ; however the Fico model used to calculate the changes is not updating my new score accurately and I cant seem to get anyone to look into this. The same exact changes were completed on XXXX XXXX XXXX where my new score changed by XXXX points from the same accounts. Now, Experian is holding my newly improved score hostage for some reason and is justifying some of my student loans account increase by a couple of dollars that is currently & have always been in deferment status. Ironically, all other Federal Student Loans in deferment are not included. Somebody please investigate Experian for this and demand my new score immediately reflect accurately the 2-8 % credit utilization on my credit file because it doesnt currently!!! I have done everything necessary for this change & for my score to be positively impacted in the right way but still see barely any change in the score at Experian. I was coached and guided by a series XXXX XXXX XXXX highly experienced in Fico scoring and was informed how my score would change before setting out on this journey ; however, Experian is doing something illegal and criminal single-handedly with their Fico score model that XXXX nor XXXX are using in my case being that my credit utilization has decreased from 104 % to 8 %. Technically, a recent dispute with proof submitted by XXXX that I am not an ad authorized user will decrease my credit utilization further to XXXX % of total usage. Whenever Ive spoken with Experian Im informed that disputes from CFPB exists as if I am being singled out or punished for past involvements with CFPB. Please, please somebody investigate my issues with this credit bureau because something is terribly wrong! My credit score should not reflect a XXXX improved score since decreasing my credit utilization from 104 % to 8 % of the same revolving credit accounts and amounts across all XXXX credit bureaus but Experian solely reflects XXXX with the exact same accounts on my credit file as XXXX XXXX XXXX! Experian says their fico model only permits a score increase of XXXX whereas both XXXX XXXX XXXX reflects XXXX. This is sad, criminal & illegal practices of Experian attempting to sabotage & suppress customer credit scoring practices irresponsibly!

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 2025-04-06 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: Lendmark Financial Services
State: MS

Complaint narrative:
I have been trying to get my credit report to reflect accurate information on my XXXX credit report. I have received a letter from the creditor ( Lendmark ) as confirmation that my account has been " Paid in full ''. However, my XXXX credit report " Status " only reflects " Closed ''. I have disputed this issue several times and there has been nothing resolved regarding this matter.

Company response to consumer: Closed with explanation