vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Verification of Account Details Account Number : XXXX To Whom It May Concern : This correspondence serves as a formal request regarding the above-referenced account, which appears with derogatory information on my XXXX credit report dated XX/XX/XXXX 

Please be advised that the reported information appears to contain discrepancies. Pursuant to my rights under the Fair Credit Reporting Act ( XXXX U.S.C. XXXXg and XXXX ), I respectfully request that you provide the following : The date of delinquency associated with the account ; The date the account was charged off ; The date of last payment received on the account ; The current status of the account ( e.g., charged off, paid, settled, etc. ). 

Please provide your full response in writing within thirty ( 30 ) days of receipt of this notice. This request is made to ensure maximum possible accuracy under the Fair Credit Reporting Act.

Failure to respond appropriately may constitute a violation of federal law and may result in enforcement actions to protect my rights. 

Thank you for your prompt attention to this matter.

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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX at XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX. The sales representative, XXXX XXXX, noted that I had previously owned XXXX phones and recommended the XXXX. She also informed me that I could try the phone and return it or receive a refund within 14 days if I was not satisfied. However, she did not disclose that the store was closing within this timeframe. When I attempted to return the phone on XX/XX/XXXX or XXXX, I found that the store had permanently closed. I subsequently contacted XXXX to report my efforts to return the phone within the XXXX window and requested a shipping label to facilitate the return. Despite my requests, XXXX denied my request, stating that I needed to take the phone to a XXXX XXXX store ( over XXXX hours away ) or a New Jersey location. I continued to ask for a shipping label, but my calls were eventually terminated. I contacted Capital One to assist me with this issue and they resolved the matter in the merchant favor even after I provided proof of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
Copied from Previous Complaint last Year : The above company last year managed to take my tax return for themselves. They claimed during my time in the XXXX I ran several grand on a credit card with them at XXXX XXXX, GA. I disputed the debt ; I pointed out the date and time they claimed ( IN WRITING that I still have ) was impossible, as I had been XXXX XXXX XXXX prior to the first purchase. This debt was claimed to be from XXXX ( XXXX, now XXXX years? ). They never followed up on this and I was left to assume it would no longer be a problem and eventually forgot about it. Until recently I found they had managed to take another tax return. I was under the impression you had to take someone to court to take a tax return? I have never been to court with them. Calling them yields nothing as they claim I have not disputed the debt ( I have the paperwork still ). A lawyer would cost more then I can afford but at this rate it may cost me less to buy a lawyer then to deal with these people further. 
XXXX XXXX. 

They never responded to me sending my proof. They have stolen another tax return. At this point they have stolen WELL over the amount they claimed I owed. From a debt they claim from XXXX years ago that I have never once paid into. They don't even acknowledge the tax returns they have taken already in their written statement, because apparently that was free money for them. In the last set of contact I got from them they decided to add several grand to the debt. I don't even know how they justify that. When I called and complained last ( around XXXX of XXXX ) they claimed it was in error and it would be fixed. They once again didn't fix it. 

I don't even know how they managed to have my tax refund sent to them. Don't you have to go to court for that?!

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 2025-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX, my husband and I purchased XXXX phones from the XXXX store located at : Purchase Location : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Store ID : XXXX Account # : XXXX Order # : XXXX and XXXX Total Paid at Purchase : {$140.00} ( via XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX ) Devices Purchased : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The total included {$66.00} and {$75.00} in taxes and government fees, respectively. The phones were to be shipped via XXXX XXXX shipping. 

On XX/XX/XXXX, XXXX attempted delivery, but we were not home. They left a notice. They came back again and left a second notice. On the third attempt, they left the phones at our door without a required signature. Since no one signed for them, we returned the unopened package directly to XXXX headquarters on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed that the package would be returned to XXXX. 

Despite this, we began receiving bills from XXXX in XX/XX/XXXX for {$500.00}, which we disputed. XXXX confirmed multiple times ( in XXXX, XXXX, and again in XXXX and XX/XX/XXXX ) that they saw tracking information showing the devices were still with XXXX  or already returned, and noted the account accordingly. Each time, XXXX told us not to worry and that the issue would be resolved. 

However, in XX/XX/XXXX, we received a collection notice from I.C. System XXXX, attempting to collect the {$500.00} balance. We called XXXX again on XX/XX/XXXX, and were told they confirmed the phones were returned and that we should contact the collection agency to refer to the XXXX account notes. 

When we contacted I.C. System, they said Verizon must formally contact them to retract or correct the debt and refused to take our word or XXXX verbal confirmation. 

We are now stuck in a situation where we are being harassed for a debt on phones we never used, never activated, and returned properlyall while XXXX acknowledges their return and has not credited our account or closed the matter with their collection partner.

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 2025-05-04 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section XXXX of the Fair Credit Reporting Act.

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 2025-05-04 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: TX

Complaint narrative:
I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

OnXX/XX/XXXX, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Disputed Information : XXXX XXXX XXXX do not display any information about this account Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section XXXX ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
Section XXXX : Right to dispute inaccuracies and request investigation. 
Section XXXX ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX U.S. CXXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in XXXX U.S. CXXXX XXXXi. Additionally, I referenced XXXX U.S. CXXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under XXXX U.S. CXXXX XXXX, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I would like the CB/VICSCRT that isnt my inquiry Reported : XXXX. XXXXXXXX XXXX removed from my credit report. I never authorized XXXX XXXX XXXX XXXX XXXX to place anything onto my credit report without validation of the debt. I never owed XXXX {$800.00} out of a {$450.00} credit limit. According to 15 USC 6802 and 15 U.S.C. 1692c my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this dispute against Equifax, XXXX, and XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1XXXX, due to the continued reporting of inaccurate, unverifiable, and duplicate accounts on my credit report. Despite my previous attempts to dispute these items, the credit reporting agencies have failed to adequately verify or correct the information. According to 15 U.S.C. XXXXi ( a ), they are required to conduct a reasonable reinvestigation and remove any information that can not be verified as accurate. 

Additionally, under 15 U.S.C. XXXXe ( b ), the credit reporting agencies are obligated to ensure that the information reported is accurate, and they have not done so in this case. The failure to verify and correct these inaccuracies violates my consumer rights and continues to harm my credit score.

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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 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: TN

Complaint narrative:
Numerous violations of the FCRA by XXXX XXXX, XXXX, XXXX, XXXX XXXX Transunion, Equifax, and Experian. Previous investigations were unsuccessful in 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 2025-05-04 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: TN

Complaint narrative:
Numerous violations of the FCRA by XXXX XXXX, XXXX, XXXX, XXXX XXXX Transunion, Equifax, and Experian. Previous investigations were unsuccessful in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Collections, LLC
State: CA

Complaint narrative:
Property management company sent me to collection about debt that was never owed. Company keep calling and mailing me about debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fax : XXXX RE : FORMAL DEMAND FOR REMOVAL OF BANKRUPTCY PUBLIC RECORD LEGAL VIOLATION UNDER FCRA, XXXX AND FEDERAL STATUTES To Whom It May Concern, This letter serves as a formal and final demand for the immediate deletion of the bankruptcy public record currently listed under my name in your database. This information is being reported and/or shared with third parties ( including credit bureaus ) without legal standing, proper verification, or documented permissible purpose and that constitutes a willful violation of multiple federal laws. 

VIOLATIONS OF FEDERAL AND COMMERCIAL LAW : FCRA XXXX You are required to have a permissible purpose to collect, report, or share consumer information. 

FCRA XXXX ( a ) ( XXXX ) You must provide the original source, origin, and legal basis used to verify this bankruptcy. 

FCRA XXXX ( b ) You must ensure maximum possible accuracy when reporting public record data. 

FCRA XXXX If you can not verify with direct documentation, the item must be deleted immediately. 

XXXX XXXX I demand presentment of the original, signed legal obligation for your authority to report. 

XXXX XXXX I reserve all rights without prejudice. 

Federal Rule of Evidence XXXX If using third-party data ( XXXX XXXX XXXX, I demand proof of authenticity under penalty of perjury. 

BANKRUPTCY RECORD IN QUESTION : XXXX XXXX XXXX XXXX XXXXXXXX Case XXXX  : XXXX LEGAL CONSEQUENCES FOR NONCOMPLIANCE : If you can not provide : A copy of the original bankruptcy petition Proof that the court reported it directly to LexisNexis Contact information of the originating source Then, under FCRA XXXX, this record must be permanently deleted. 

Failure to comply will result in : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) A complaint to the Federal Trade Commission ( FTC ) A civil lawsuit under FCRA XXXX & XXXX for damages A permanent data freeze to block future LexisNexis reporting XXXXDAY LEGAL DEADLINE : You have XXXX calendar days to : Delete the bankruptcy record from your system Confirm in writing that it will not be shared with credit bureaus Provide verification documents or remove the item permanently Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXXe ( b ) and 15 USC XXXXi, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-04 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation