vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX XXXX XXXX I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in XXXX concrete XXXX  XXXX. XXXX, XXXX XXXX XXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : XXXX. The original contract or agreement. XXXX. A detailed accounting of the debt, including all charges and payment made. XXXX verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXX XXXX  if you fail to comply with this request.

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 2025-03-10 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-10 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Received notification on my XXXX and XXXX XXXX XXXX reports in XX/XX/year> that Capital One has been reporting XXXX  days past due in XX/XX/year> and XX/XX/year> after I set up XXXX  month lower payment arrangement with them on their mobile app in XX/XX/year>, which was not suppose to negatively report to my credit. 


This has significantly damaged my credit and lowered it by well over XXXX points, causing me to be denied for renting a new home and causing further financial distress. 

Additionally, this is a business credit card and I was told it would NOT be reporting to my personal credit when I first opened it, but should be reporting based on my business ' XXXX and XXXX number to my XXXX  XXXX  ; not my personal credit score. 

Additionally, under 15 US Code 6801, this is non-public personal information that I never authorized to be reported on my credit profile to begin with, and in regards to the remarks of past due late payments, under 15 US Code 1666 B, no company shall report late payments for any account to any consumer credit report for any reason.

Lastly, on XX/XX/year> for unknown and undisclosed reasons, Capital One pulled my credit report without my request/authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: WA

Complaint narrative:
Nature of Complaint Failure to conduct reasonable investigation of disputed information as required by the Fair Credit Reporting Act ( FCRA ) Description of Issue I am filing this complaint against Experian, Equifax and Transunion for their failure to conduct a reasonable investigation of disputed information on my credit report as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

On XX/XX/year>, I submitted a formal dispute to Experian Equifax and Transunion regarding inaccurate information in my credit report related to Account name XXXX XXXX XXXX Account name XXXX/XXXX, Account name XXXX XXXX XXXX XXXX XXXX I provided detailed information about the inaccuracies and requested a thorough investigation as required by law Here are the tracking numbers via XXXX of my disputes Checking Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Instead of conducting a reasonable investigation, Experian responded with a generic, automated message stating that they " received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' This response appears to be a systematic attempt to avoid their legal obligation to investigate disputed items. 

The response I received ( attached to this complaint ) demonstrates that Experian is not fulfilling its obligations under the FCRA for the following reasons : 1. **Failure to conduct reasonable investigation** : Experian has not shown evidence of performing any investigation into my disputed items as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

2. **Automated dismissal of legitimate disputes** : The systemically generated notice I received suggests Experian is using automated systems to dismiss legitimate disputes without proper review, a practice which appears to align with issues identified in the CFPB 's recent lawsuit against Experian.

XXXX. **Mischaracterization of my dispute** : Experian incorrectly claimed my dispute was not authorized by me, despite my having followed their proper dispute procedures. 

4. **Failure to provide results of investigation** : Experian did not provide me with the results of any investigation or take action on the disputed information as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Previous Attempts to Resolve I submitted XXXX dispute letters to Experian on XX/XX/XXXX using certified mail with return receipt. After each submission, I either received no response or automated responses similar to the XXXX attached, indicating no substantive investigation was conducted.

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 2025-03-10 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Endorsed notes/ negotiable instruments and paid in full ( check number XXXX, {$250.00}, XXXX ) XX/XX/year> followed up with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX information was received on XX/XX/year>. Registered number XXXX, Registered number. XXXX, Registered number XXXX XXXX form sent in also with documentation Bonds and Security sent with endorsement stamps ( canceled ) I will report fraud with ( Regions ) I also have security interest with documents sent to them. 

Also information copied and sent to XXXX XXXX at US Secretary of Treasury ( Department of Treasury ) XXXX XXXX XXXX XXXX, XXXX  DC 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 2025-03-10 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: NJ

Complaint narrative:
I want the company to remove the inquiries in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I was sent to collections over debt I am not responsible for. I reached out to the agency Phoenix Recovery Group via letter and certified my mail. They did not send me the original contract of my debt, or show me any proof that I owe said amount upon my request almost XXXX  months ago. They have reported me to all the bureaus and my credit took a massive hit. I am seeking assistance in this matter. I sent this all by certified mail so I can prove everything on my end. Attached is the request letter I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name portfolio recovery : Account numbers XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
XXXX. Forward flow agreement XXXX. Insurance claim with a wet signature Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors Also Im requesting the method of verification how was this debt verified if you cant provide this information legal action will taken I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.

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 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I signed up for a new Huntington Bank checking account ending in XXXX on XX/XX/24. The branch manager told me if I signed up for an offer and kept {$25000.00} in the checking account for 90  days, I would get a {$600.00} offer for doing so. At the time I had a high yield account averaging 5.12 %, so I knew if I would keep the money in that high yield yield account, I would of gotten about {$390.00}, for keeping the money in the high yield account. I decided to put the money in the checking account because the {$600.00} is greater than the {$390.00} I would have gotten by keeping it in the high yield. When I called Huntington in XXXX, they said that the Branch Manager gave bad/non factual info and I was not eligible for the offer. I filed a complaint, complaint number XXXX. Huntington never responded to me in writing, not over the phone, I called them and they said the case was closed and they were not going to do anything about it. I told them that it was fraudulent that the Branch Manager told me I was eligible for the offer and that they are not going to do anything about it. They said they are not going to do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-10 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:
My name is XXXX XXXX I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 

Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries. 

Furthermore, there are inquires on my credit report that I did not initiate, which constitutes a case of identity theft. I do not owe and debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX and its says late payment {$270.00} XXXXXXXX XXXXt late payment {$390.00} XXXX XXXX XXXX late payment {$210.00} XXXX XXXX XXXX late payment XXXX XXXX late payment {$410.00} XXXXXXXX XXXX XXXX  late payment {$740.00} XXXX XXXX late payment XXXXXXXX XXXX late payment {$1300.00} XXXX xxx sXXXX XXXX  collections {$510.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1200.00} and the company is XXXXXXXX XXXX XXXXXXXX XXXX  late payment {$520.00} I'm not aware of all this so I want this remove off of my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX and its says late payment {$270.00} XXXXXXXX XXXXt late payment {$390.00} XXXX XXXX XXXX late payment {$210.00} XXXX XXXX XXXX late payment XXXX XXXX late payment {$410.00} XXXXXXXX XXXX XXXX  late payment {$740.00} XXXX XXXX late payment XXXXXXXX XXXX late payment {$1300.00} XXXX xxx sXXXX XXXX  collections {$510.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1200.00} and the company is XXXXXXXX XXXX XXXXXXXX XXXX  late payment {$520.00} I'm not aware of all this so I want this remove off of my credit

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 2025-03-10 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: DC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation