vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-04-28 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Complaint Subject : Identity Theft and Bank of America Failure to Protect Customer Account Details : On XX/XX/year>, I informed Bank of America that my online banking account had been compromised and specifically instructed that no changes should be made unless I appeared in person with valid ID and debit card. Despite this, BoA representatives failed to honor this request and allowed an unauthorized individual to change my account credentials ( password, Face ID ) over the phone. 

This constitutes gross negligence in protecting customer accounts and enabled further identity theft and financial risk. 

I have suffered serious financial, emotional, and time losses as a result. 

I am requesting : Immediate restoration of my account.

A full investigation into BoAs failure to follow their own security policies. 
Compensation for damages. 
Provision of identity theft protection services at no cost. 

I have also filed a police report and will pursue further legal action if necessary. 

XXXX Police reportXXXX XXXX Police report : 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 2025-04-28 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: IL

Complaint narrative:
Dispute of Unauthorized Credit Inquiry Under FCRA ( 15 U.S. Code 1681b ) Dear Experian, I am writing to formally dispute Unauthorized credit inquiries, names, employers, and addresses that appears on my credit report listed below 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 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 XXXXXX/XX/XXXX My name is XXXX XXXX XXXX which is the only name that should be reporting also I have XXXX address such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX any others need to be removed Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, a credit inquiry can only be made with a consumers consent or for specific permissible purposes, such as a firm offer of credit, insurance underwriting, or employment ( with permission ). To the best of my knowledge, none of these conditions apply in this case. Please provide the following : 1. The name and contact information of the party that initiated the inquiry. 2. Documentation showing that I authorized or initiated this inquiry. If you can not verify that the inquiry was authorized, I request that it be removed from my credit report immediately, per the FCRA. I have enclosed a copy of my government-issued ID and Social security card/ FTC report for identity purposes Thank you for your prompt attention to this matter. 
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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts are fraudulent and I did not authorize them to be open neither did I consent to them its identity theft

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are fraudulent and I did not authorize them to be open neither did I consent to them its identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MD

Complaint narrative:
I disputed an inaccurate account on my credit report. ( XXXX  XXXX XXXX  accout XXXX ) The account was temporarily removed, but has now been reinserted after the credit bureau claimed it was " verified. '' However, no full proof of validation was provided. They stated verification by XXXX address, phone number, and mailed statements but have not provided : A copy of a signed application or contract IP address logs with timestamps Proof of billing statement delivery and receipt This does not meet the burden of verification required under the Fair Credit Reporting Act ( FCRA ). 

Additionally, the credit bureau did not notify me within 5 business days of the reinsertion as required under FCRA 611 ( a ) ( 5 ) ( B ).

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 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Equifax 's failure to accurately report and properly investigate several disputed accounts on my credit file, despite providing sufficient proof. On XX/XX/XXXX, I attended a court hearing concerning a XXXX XXXX XXXX account appearing on my credit report. The judge ruled in my favor because XXXX could not provide adequate documentation to validate the debt. I promptly forwarded the court ruling and all supporting evidence to Equifax ; however, they have refused to remove the XXXX account. Additionally, despite repeated disputes, they continue to report an associated XXXX account ( # XXXX ) which XXXX originally claimed to have purchased without properly validating ownership or accuracy. 

Furthermore, another account involving XXXX has also been mishandled. XXXX allegedly sold a debt to XXXX XXXX, and after I paid XXXX XXXX in full, they immediately removed the account from my credit report. Nevertheless, Affirms account still remains inaccurately listed, even though they no longer own the debt and XXXX XXXX is not reporting it either. I formally requested Equifax to provide a legal chain of ownership and proof of accurate reporting for these accounts which they are required to maintain under the FCRA but no documentation was ever provided. I made these requests by certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and regular mail on XX/XX/XXXX. Each time, Equifax failed to comply with proper validation procedures or conduct a reasonable investigation. 

Additionally, there is an unresolved medical debt account originally reported by XXXX XXXX  that remains on my report. Had Equifax validated the debt as I requested multiple times, they would have realized it was inaccurately categorized and should not remain. Their repeated failure to properly verify ownership, accuracy, and legality of these accounts despite receiving extensive supporting documentation from me constitutes not only negligence but a violation of my rights under the Fair Credit Reporting Act. I respectfully request that the CFPB take immediate action to ensure Equifax corrects these errors and fully complies with all applicable regulation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I GOT A CREDIT INQUIRE ON MY XXXX  CREDIT FILE AND I CALLED CAPITAL ONE WITHIN XXXX MINUTES OF THE FRAUD INQUIRE AND TOLD THEM IT WASN'T ME APPLYING FOR CREDIT. THEY SENT ME TO THE FRAUD DEPARTMENT AND I TOLD A FRAUD SPECIALIST I DID NOT APPLY FOR ANY CREDIT NOR WOULD I. XXXX WHO WAS THE FRAUD SPECIALIST STATED HE WOULD SEND A DELATION TO THE CREDIT BUREAU TO HAVE THE FRAUD INQUIRE REMOVED. WHICH HE DID AND IT CAME OFF, THEN I GOT SEVERAL OTHER CAPITAL ONE FRAUD INQUIRES ON EXPERIAN WITHIN A COUPLE OF MOUTHS AND I DISPUTED THEM AS FRAUD A CAPITAL ONE HAD THEM REMOVED AS FRAUD AND NOW THERES A CREDIT CARD ACCOUNT UNDER MY NAME AND TO FIND OUT IT WAS SEVERAL CREDIT CARD ACCOUNTS UNDER MY NAME WITH CAPITAL ONE. I DO NOT HAVE A ACCOUNT WITH CAPITAL ONE, MY MOTHER HAS A ACCOUNT WITH CAPITAL ONE AND HAS SINCE XXXX AND BACK IN XX/XX/XXXX IT WAS TAKEN OVER AND SOMEONE DONE A TAKE OVER ON HER ACCOUNT, USING IT AND PAYING IT OFF WITH HER CHECKING AND WHEN SHE GOT OUT OF THE HOSPITAL WHEN DISPUTED THE PAYMENTS WITH THE BANK AND CAPITAL ONE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Subject : Dispute Regarding CashApp Payment for Defective and Misrepresented Item Hello, I am writing to follow up regarding a dispute I submitted concerning a CashApp payment. 

Payment Details : Recipient : XXXX XXXXXXXX Date : XX/XX/XXXX, at XXXXXXXX XXXX Amount : {$470.00} Reason for Dispute : Scam Date of Second Dispute Submission : XX/XX/XXXX Summary of the Issue : The headlight I purchased was advertised as fitting a XXXX XXXX XXXX. However, it only fits a XXXX XXXX or XXXX XXXX different models with incompatible parts. 

Additionally, the headlight does not work. XXXX XXXXXXXX are expensive, and typically can not be repaired once defective. 

I am unable to access the original listing or communicate further with the seller because they blocked me, preventing me from viewing their profile. 

I have a video and photo evidence demonstrating the headlight does not work Attempts to Resolve : My bank advised me to resolve the issue directly with CashApp. 

I filed a dispute with CashApp, but it was denied without any explanation. 

I submitted a second dispute, this time including multiple pieces of evidence ( description, communication issues, and video proof ). 

Concerns Regarding Dispute Process : When I requested the reason for the denial, CashApp provided a document that simply restated the transaction details no explanation or rationale for the denial was given. 

I still have no understanding of why my claim was rejected, despite providing clear proof of fraud/misrepresentation. 

Request : I respectfully ask for a detailed review of my dispute, a clear explanation for the denial, and reconsideration of my case based on the evidence provided. I believe I have demonstrated that I was sold a defective and misrepresented product under false pretenses. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Doing some home improvement we were looking for the best credit terms for our purchase. The Home Depot website offered a new credit card discount of {$100.00} for purchases over {$1000.00} and 12 months 0 % interest. We put the items in our cart, totalling about {$1800.00} ) and applied for the new card.

Citi card did a hard credit check and sent me a link to see I was approved for a {$5000.00} line of credit AT 29.99 % INTEREST with no mention of the advertised 12 months interest free or the promo discount. I didn't sign up for these terms and I would not have agreed to apply for this credit card if the terms had been clear up front. 

I decided to put most of the charges on a credit card I already had with more favorable terms and put a smaller purchase ( ~ {$340.00} ) on the Home Depot card to see if they would honor the terms advertised. They did not honor those terms and were horrible to deal with on the phone. 

It is time we crack a whip on predatory lending. This was a clear bait and switch.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: MO

Complaint narrative:
I am filing a complaint regarding an alleged debt and attempting to collect and report on my consumer credit reports. 

I submitted a formal dispute and validation request under the Fair Debt Collection Practices Act ( FDCPA ), Regulation F ( XXXX XXXX XXXX ), and the Fair Credit Reporting Act ( FCRA ). I requested full validation of the alleged debt, including ownership documentation, itemized accounting, and confirmation of whether the debt was ever securitized. 

Despite my request they have continued to report the alleged debt to the credit bureaus without providing the legally required validation and documentation. 

I am requesting that the CFPB intervene to ensure they complies with all federal regulations by either fully validating the debt with proper documentation or immediately ceasing collection and removing the inaccurate reporting from my credit files. 

Additionally, I have notified them that failure to comply will result in legal action for violations of the FDCPA, FCRA, and Regulation 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 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
They call about XXXX times a day to my place of work. Asking for someone that has never worked here. Its an automated call. They say if we have reached the wrong person to call a number then it never says the number to call. Its XXXX  trying to collect a debt. They need to stop calling here and we cant figure out how to make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-28 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: OH

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 2025-04-28 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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