vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This information was pull from my credit without my unauthorized and Im XXXX of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a BestBuy Citi credit card that allows for carrying interest fee promotional balances. I monitor this closely to ensure I pay it off before interest would be charged. In XX/XX/2025 I made the regular recurring payment of {$200.00} which left a {$90.00} balance on a promotion due in XXXX on the XXXX. I went into the Citi BestBuy website to ensure I paid and additional {$100.00} to that promotional balance. I made sure there was no minimum payment due as I knew they would pull that first. I pad the {$100.00} and checked a couple days after that the promotion was closed and there was no interest to be charged. I then update to ensure the next monthly payment would be allocated to the next promotional balance. I'm now being told because I checked that next promotion in the same cycle as I had the previous promotional allocation they were able to take the {$100.00} paid and re-allocate it across XXXX promotions thus being able to make sure they could get {$270.00} in interest from me. I had no idea that after clearing the first promotion I had to wait till the end of a cycle before selecting the next promotion or they could defraud me by reallocating and being able to charge me this interest.

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 2025-03-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-03-28 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: NC

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-03-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 non-monetary relief
Consumer complaint received 2025-03-28 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: MI

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payment Reporting XXXX XXXX XXXX XXXXXXXX Dear Experian, This letter serves as a formal dispute regarding the late payment reported on XXXX XXXX XXXX which you recorded as late in Your response to my previous dispute indicated that the information was { accurate/verified }, yet my initial request did not ask for validation or accuracy confirmation. 

According to 15 U.S. Code 1666b - Timing of Payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that each periodic statement, including the required information under 15 U.S. Code 1637 ( b ), was mailed or delivered to me at least 21 days before the due date.

Furthermore, under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I requested documentation that you are legally required to possess in order to report my payment as late. 

As per 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy, a reinvestigation is required when a consumer disputes the accuracy of reported information. If the furnisher of the information can not provide sufficient evidence to support the reported late payment, the information must be deleted from my credit file. The legal precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) clarifies that if a furnisher can not verify the disputed information with sufficient evidence, it must be reported as can not be verified and removed. 

It has been over 30 days, and Experian has failed to provide the required evidence demonstrating that the reported late payment is accurate. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the late payment entry be deleted from my credit report. 

Requested Action : Please delete the late payment entry associated with : Creditor : XXXXXXXX XXXX XXXX  Account Number : XXXX Reported Late Date : XX/XX/year> If you are unable to verify this information in accordance with the law, I request immediate removal of the inaccurate entry. Please provide a response within 30 days as required under the FCRA. 

Thank you for your prompt attention to this matter. I expect your cooperation in ensuring my credit report reflects accurate and verifiable information. 

Sincerely, XXXX XXXX Without Prejudice UCC 1-308

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payment Reporting XXXX XXXX XXXX XXXXXXXX Dear Experian, This letter serves as a formal dispute regarding the late payment reported on XXXX XXXX XXXX which you recorded as late in Your response to my previous dispute indicated that the information was { accurate/verified }, yet my initial request did not ask for validation or accuracy confirmation. 

According to 15 U.S. Code 1666b - Timing of Payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that each periodic statement, including the required information under 15 U.S. Code 1637 ( b ), was mailed or delivered to me at least 21 days before the due date.

Furthermore, under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I requested documentation that you are legally required to possess in order to report my payment as late. 

As per 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy, a reinvestigation is required when a consumer disputes the accuracy of reported information. If the furnisher of the information can not provide sufficient evidence to support the reported late payment, the information must be deleted from my credit file. The legal precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) clarifies that if a furnisher can not verify the disputed information with sufficient evidence, it must be reported as can not be verified and removed. 

It has been over 30 days, and Experian has failed to provide the required evidence demonstrating that the reported late payment is accurate. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the late payment entry be deleted from my credit report. 

Requested Action : Please delete the late payment entry associated with : Creditor : XXXXXXXX XXXX XXXX  Account Number : XXXX Reported Late Date : XX/XX/year> If you are unable to verify this information in accordance with the law, I request immediate removal of the inaccurate entry. Please provide a response within 30 days as required under the FCRA. 

Thank you for your prompt attention to this matter. I expect your cooperation in ensuring my credit report reflects accurate and verifiable information. 

Sincerely, XXXX XXXX Without Prejudice UCC 1-308

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 2025-03-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
IN accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 
Account name... XXXX XXXX XXXX.. Account # XXXX Account name... XXXX XXXX XXXX.. Account # XXXX Accont Name... XXXX XXXX XXXX.. Account # XXXX 
Has violated my rights.. 15 u.s.c. 1681 section 602 A. State I have the right to privacy.

15 u.s.c.1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instruction.. 15 u.s.c 1681 C. ( A ) ( 5 ) section state : No consumer reporting agencies may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.. 
15 u.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable caused to believe that the information is inaccurate. Iam a natural person, Iam a living humanbeing I have the right.

Experian is governed by 15 u.s.c. 1681.

They violated my right numerous times.. I demand the accounts listed 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 explanation
Consumer complaint received 2025-03-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
IN accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 
Account name... XXXX XXXX XXXX.. Account # XXXX Account name... XXXX XXXX XXXX.. Account # XXXX Accont Name... XXXX XXXX XXXX.. Account # XXXX 
Has violated my rights.. 15 u.s.c. 1681 section 602 A. State I have the right to privacy.

15 u.s.c.1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instruction.. 15 u.s.c 1681 C. ( A ) ( 5 ) section state : No consumer reporting agencies may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.. 
15 u.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable caused to believe that the information is inaccurate. Iam a natural person, Iam a living humanbeing I have the right.

Experian is governed by 15 u.s.c. 1681.

They violated my right numerous times.. I demand the accounts listed be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
Ive Stressed to the Credit Bureaus and the companies thats reporting these fraudulent accounts on my Credit Report that these accounts dont belong to me. Ive been incarcerated in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Ive check my information has been apart of a Data Breach as well. Ive made a police report with the XXXX XXXX XXXX XXXX. These accounts are hurting my from getting much needed housing for me and my family. 

According to the FCRA XXXX ( XXXX XXXX ) These fraudulent accounts supposed to be removed from my report. I dont believe the credit bureaus and or companies are properly investigating this matter. Clearing I couldnt have applied or Authorized these accounts due to my incarceration. I dont know what else to do.

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 2025-03-28 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: TX

Complaint narrative:
Ive Stressed to the Credit Bureaus and the companies thats reporting these fraudulent accounts on my Credit Report that these accounts dont belong to me. Ive been incarcerated in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Ive check my information has been apart of a Data Breach as well. Ive made a police report with the XXXX XXXX XXXX XXXX. These accounts are hurting my from getting much needed housing for me and my family. 

According to the FCRA XXXX ( XXXX XXXX ) These fraudulent accounts supposed to be removed from my report. I dont believe the credit bureaus and or companies are properly investigating this matter. Clearing I couldnt have applied or Authorized these accounts due to my incarceration. I dont know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
On XX/XX/XXXX, a company with a bank account at XXXX XXXX XXXX XXXX XXXX ) sent a wire transfer of USD XXXX to my XXXX account. However, I never received the funds. 

I am claiming both the sender bank XXXX XXXX XXXX XXXX - XXXX ) and the receiver bank ( XXXX ). The sender bank provided me with the IMAD ID for the transaction and the message communications, but the receiver bank informed me that they can not find any records related to the wire transaction or the corresponding communication. 

The IMAD ID provided to me is IMAD : XXXX, and the service message IMAD is XXXX. 

After several unsuccessful claims, the person who sent the funds requested a recall, but the sender bank responded : * '' We have been contacting XXXX directly through a service message via the FED, which is the official channel for recall requests. Since wire transfers are considered final once sent, XXXX is not obligated to return the funds. They may choose to retain them, and XXXX can not compel them otherwise. 

By XXXXconsidered lost, ' we mean that the recall has failed, and the funds can not be recoveredhence, they are 'lost. ' XXXX can not provide legal counsel, but you are welcome to consult with a third-party expert to explore any other possible avenues for recovering the funds. " *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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