vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and inconsistent credit reporting on my XXXX Bank ( XXXX ) credit card account, referenced as XXXXXXXX XXXX XXXX XXXX XXXX  on both XXXX  and XXXX, and as XXXXXXXX XXXX XXXX XXXX XXXX  on Equifax. Equifax is incorrectly reporting a high credit of {$0.00}, while both XXXX  and XXXX  correctly show {$180.00}, which reflects actual usage. Additionally, the account opening dates are inconsistentXXXX lists XX/XX/XXXX, while XXXX  and Equifax report XX/XX/XXXX. The number of months is also inaccurately listed as " XXXX '' across all three bureaus, despite nearly a full year of reported history. Furthermore, the last reported dates vary : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( Equifax ). 

Most importantly, all three bureaus are reporting a 30-day late payment for XX/XX/XXXX. I am formally requesting that the CFPB conduct a thorough investigation into this specific late payment and require XXXX and the reporting bureaus to provide documented evidence that the payment was indeed late. If they can not furnish verifiable proofincluding billing statements, payment records, and official correspondencethen this negative mark must be removed from all credit reports in compliance with the Fair Credit Reporting Act ( FCRA ). This derogatory remark is not only harmful to my credit but has already resulted in credit denials and higher interest rates, negatively affecting my financial stability and causing emotional distress. I respectfully request swift action to ensure my credit report reflects only verified, accurate, and lawful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
XXXX  XXXX XXXX SCAM TRANSFER OF BITCOIN TO XXXX TO INVEST IN COIN CALLED -- TEST -- FILED FRAUD COMPLAINT WITH XXXX ABSOLUTELY NO HELP THEN DENIED ACCESS TO MY ACCOUNT, SUBMITTED MULIPLE MULTIPLE PICTURES WITH DATES AND DL TO NO AVAIL CAN NOT EVEN CLOSE ACCOUNT NO HELP WITH RECOVERY OF XXXX BITCOIN I HAVE NOW LOCATED WHERE THE SCAMMED CRYPTO IS IN A WALLET BUT NEED ASSISTANCE WITH FRAUD RECOVERY OF SAID FUNDS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I am submitting this complaint because the credit reporting agencies Equifax are reporting multiple unauthorized hard inquiries on my consumer credit reports. These inquiries were not initiated, authorized, or consented to by meneither verbally nor in writing. The listed inquirers, including XXXX XXXX  XXXX, and XXXX have confirmed that no signed application or documented consent exists to justify pulling my credit report. 

Despite sending each credit bureau a formal legal demand citing the Fair Credit Reporting Act ( FCRA ) and requesting deletion of these inquiries, they continue to appear in my reports. The credit bureaus have failed to provide proper verification or evidence and have not conducted a legally sufficient investigation as required.

This constitutes a direct violation of the following federal statutes : 15 U.S.C. 1681b No permissible purpose exists for these inquiries.

15 U.S.C. 1681i ( a ) ( 5 ) Information that can not be verified must be deleted.

15 U.S.C. 1681g ( a ) ( 1 ) ( A ) I was not provided with signed authorization or application.

15 U.S.C. 1681s-2 Furnishers must ensure the accuracy and legitimacy of reported information.

15 U.S.C. 1681c-1 Consumers are entitled to protection against unauthorized access.

12 U.S.C. 5531 ( UDAAP ) Continued reporting of unverifiable inquiries constitutes a deceptive and abusive practice. 

Supporting Case Law and Enforcement Actions : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
Heres whats wrong or inconsistent with this settled creditcard tradeline across your three reports : Payment Status vs. Account Status TransUnion & Equifax list the account as Paid/Current, yet Experian shows a 30day late in the 2year history. A settled account shouldnt still carry a recent delinquency.

High Credit vs. Credit Limit TransUnion & Experian report High Credit = {$9500.00} with Limit = {$10000.00}, but Equifax flips thisshowing High Credit = {$10000.00} and Limit = {$0.00}. The credit limit cant be zero on a revolving card.

Last Active and Last Payment Dates TransUnion & Experian agree on a Last Payment of XX/XX/year>, but Equifax lists Last Payment XX/XX/year> and Last Active that same earlier date. All three should match the actual settlement date. 
Conflicting Closure Comments TransUnion : Settledless than full balance Experian : Account legally paid in full for less than the full balance Equifax : Settlement accepted on this account plus Closed or paid account/zero balance.

These should be standardized to one clear settlement comment.

OutofCycle Reporting All three show Last Reported XXXX, but Experians paymenthistory chart implies activity into XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, unauthorized purchases at three locations were made with a debit card on my account for a total of {$3500.00}. USAA luckily noticed the charges were suspicious and automatically restricted my account. Upon seeing the charges and the account restriction, I froze the card and contacted USAA on the same day, XX/XX/XXXX, to report the card as lost/stolen, cancel and replace the card, and dispute the three transactions as unauthorized.

USAA sat on the dispute for three days and denied the claim on XX/XX/XXXX without indicating any reason why. The denial letter stated I have the right to request the information and documents they used to make their determination. 
I called USAA on XX/XX/XXXX to request the information that they used to deny my dispute and was told they would send it to my account within XXXX business days. 
On XX/XX/XXXX, I received a notification that I had new documents containing the information requested, so I opened the 'document ' to see that it was a PDF copy of the same denial letter I received on XX/XX/XXXX, with no additional information, as well as two completely blank pages. I opened it in multiple PDF readers to confirm the pages were absolutely blank. 
I immediately called USAA again ( XX/XX/XXXX ) to notify them that they sent blank pages and I would like the information that they used to deny my dispute. The agent on the phone looked at the PDF and confirmed that yes, the pages were blank and she had never seen that before, but she would make a new request and specifically note that the pages sent were blank. Once again, I was told that it XXXX take XXXX business days. 
I received another notification on XX/XX/XXXX including the same blank paged document. I have now waited the XXXX business days that the company told me to wait and have received no additional information from the company. 
This complaint is in regard to both the improper denial of the dispute claim and the failure to provide any informational basis for their decision on the claim. The restriction on my account shows that USAA knew that the charges were fraudulent, but they still chose to deny the dispute claim and not send me any justification on why the claim was denied.

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 2025-04-19 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: PA

Complaint narrative:
[ XXXX [ XXXX [ XX/XX/year> ( Credit reporting Agencyl Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ CFPB, Equifax XXXX, TransUnion XXXX ]. 
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report : XXXX. 
Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXXday timeframe. 
Sincerely, ( XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: MI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-04-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NV XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NV XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX  Account Number : XXXX * * * * * * * * * * * * * * Please remove it from my credit report. 

XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX - Account Number XXXXXXXX XXXX - Account Number XXXX XXXX - Account Number XXXXXXXX XXXX - Account Number XXXX Please remove it from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my credit report. I understand that you will contact the relevant creditor to verify the accuracy of the disputed information. Please delete any information that can not be verified by the creditor. It is my understanding that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receiving this letter.

Please provide me with an updated copy of my credit report at the aforementioned address. According to the act, I should not be charged for this updated report. Additionally, I kindly ask that you notify any party who has obtained my credit report in the past six months of the necessary corrections. 

Thank you for your attention and assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
For several years, this company has been trying to tell me that I took a credit card out and I owe them money from XXXX XXXX, but I can count on my hand. How many times in the past few years Ive used XXXX XXXX I RARELY shopped there. 

I asked for documents numerous times and I recieved nothing yet, they removed it a 1-2 years ago and added back the collection on MY credit!! With no proof or evidence of this being my account I do believe fraud is going on here & its hindering my credit. 

Opening a XXXX credit card is crazy when I dont even own a credit card myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
It is an Amex gift card ( a replacement ). I tried activating it for more than a week on their website, and it gives me an error. I also get an error when trying to activate over the phone. When I called customer service, they said they could not help me activate it -- to just keep trying on the website and " eventually it will work. '' They also would not confirm the balance. 

Customer service rep told me that he could see the card was inactive, but to try to activate it on the website. I have wasted HOURS trying to use this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
This company continues to not provide adequate means for paying back a debt. I shouldnt be required to send a payment via check XXXX business days before a due date for them to apply it on time. I sent guaranteed payments that are time stamped by the XXXX and guaranteed delivery by my bank on XX/XX/year> and this sham of a company applies the payment XXXX full days after receipt and charges me a late fee for their negligence. This is in direct violation of the XXXX XXXX XXXXXXXX consumer protection laws where the payee gets to have adequate payment options to satisfy the contract and payment obligations. The history of this companys neglect to apply payments on time and losing upwards to {$500.00} worth of payments shows they have not met that obligation.

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 2025-04-19 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: IL

Complaint narrative:
I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit report. Despite my efforts to resolve this directly with the reporting agency it remains unresolved.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
They have not responded at all, despite my timely dispute. I am now seeking your help to ensure this issue is resolved properly and fairly under the FDCPA XXXX FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
They have not responded at all, despite my timely dispute. I am now seeking your help to ensure this issue is resolved properly and fairly under the FDCPA XXXX FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I found a XXXX XXXX XXXX on XXXX on XX/XX/XXXX being sold by XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX  which I through law enforcement and the attorney generals office. I have discovered that this dealership was also a victim in the crime. The scammer impersonated the owner of the dealership, XXXX XXXX XXXX who I believed at the time I was dealing with. They took over the page on XXXX for XXXX & XXXX auto sales and created a website and profile on XXXX The scammer also replicated the dealer license of the dealership which was in fact real and tied back to the dealership. I confirmed the dealer license and name with the XXXX XXXX XXXX XXXXXXXX before performing the deal. I spoke extensively with the suspect over the phone and via email which I have provided. Their website, phone number, and email are still up, and they have no switched the dealership websites to boats in an attempt to scam more people. But as for what happened to me, after talking with the scammer for multiple days and receiving plenty of evidence such as the dealer license, XXXX, signed sales agreement, invoice, and detailed vehicle info. I placed a down payment on XX/XX/XXXX for the car via wire transfer in the amount of {$22000.00}. After the wire was sent, the scammer began to reply less and less and make excuses. Ultimately, the scammer stopped replying and obviously has not fulfilled the deal by shipping the car. They stole my hard earned money, and as a senior in college, losing that sum of money is absolutely heartbreaking and crippling to me. I attempted to recall the wire transfer through my Wells Fargo bank after explaining the situation to them on XX/XX/XXXX. They were of no assistance as they claimed they could not recall the funds because the scammer had withdrew the money from the XXXX XXXX account that the money was wired to. To my knowledge, the identity of the person who owns or opened that XXXX XXXX account should be able to be traced and consequently find where the funds have been moved to. I am hoping that through you, I can find justice and get my hard earned money back. Losing that sum of money has truly ruined my life and I need it back.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX A medical debt of {$1000.00} was placed for collection by the original creditor. 
XX/XX/XXXX TransUnion received and reported the collection tradeline. 
XX/XX/XXXX Equifax received and reported the collection tradeline. 
XX/XX/XXXX Experian received and reported the collection tradeline. 
No written notice or bill was sent to the consumer before placement in collections.

The consumer submitted a debt validation request under FDCPA 809, but the collector provided no supporting documentation.

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 2025-04-19 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: FL

Complaint narrative:
XX/XX/XXXX A medical debt of {$1000.00} was placed for collection by the original creditor. 
XX/XX/XXXX TransUnion received and reported the collection tradeline. 
XX/XX/XXXX Equifax received and reported the collection tradeline. 
XX/XX/XXXX Experian received and reported the collection tradeline. 
No written notice or bill was sent to the consumer before placement in collections.

The consumer submitted a debt validation request under FDCPA 809, but the collector provided no supporting documentation.

Company response to consumer: Closed with explanation