vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX, I have recently received the results of the investigation done on the account above regarding the alleged late payments you are furnishing to my consumer file. Furnishers and credit reporting agencies have the obligation to follow reasonable procedures to assure maximum possible accuracy 15 USC 1681 ( e ). I am requesting a description of the procedure used to determine the accuracy and completeness of the investigation in accordance with 15 USC 1681 ( i ) ( 6 ) ( B ) 3. The alleged late payments are still being furnished to this account without proof of compliance with 15 USC 1666b ( Time to make Payment ) and 15 USC 1681s- ( 2 ) ( 7 ). 

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. 
The above law requires that : A periodic statement is sent out It contains information from section 1637 ( b ) It MUST be mailed or delivered ( Provide tracking number for mail or delivery receipt for email ) Not later than 21 days before the payment due date! 

( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

XXXX XXXX, if you are unable to provide the proof of compliance in accordance with the FCRA as listed above along with the requested description of procedure used to determine maximum possible accuracy and completeness, REMOVE ALL LATE PAYMENTS from this account! 

Account # Account # XXXX Regards, 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I purchased five Vanilla Visa Gift Cards ( {$500.00} each, totaling {$2500.00} ). Three were issued by XXXX, XXXX, and two by XXXX ( now part of XXXX ). All five cards were rapidly drained through unauthorized XXXX XXXX transactions shortly after activation. I did not authorize these transactions. 

I filed disputes with InComm XXXX XXXX, the program manager. Their responses were copy-paste denials, claiming to have completed an " investigation '' but they never provided : - Any details about the transactions- Any explanation of what was reviewed- Any resolution or refund Instead, they redirected me to contact XXXX, which is incorrect. XXXX told me only the card issuer can initiate disputes and process refunds, and that they could not reverse these charges. 

I filed CFPB Complaint # XXXX against InComm on XX/XX/2024. The response received on XX/XX/2024, was the exact same vague denial ignoring any facts, refusing to help, and clearly not addressing my specific case. I also filed XXXX  Complaint # XXXX, which received the same generic answer. 

On XX/XX/2024, I had a certified demand letter sent by an attorney on my behalf ( Tracking # : XXXX ). InComm never responded despite legal notice.

At this point, it's clear that InComm has failed to provide any legitimate help, and that XXXX as the card issuers have not issued a refund or intervened. 

Their so-called investigation was superficial, if done at all. Their customer service has been evasive, uncooperative, and unprofessional. 

I have made every attempt to resolve this and have been stonewalled at every turn. I am now prepared to pursue legal action if a resolution is not reached immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: SC

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out for your help to review accounts from companies inaccurately reporting late payments. After checking my credit report, I found that some accounts are wrongly marked as late. These accounts should not carry any late payment remarks. Please correct this by removing the late remarks and updating the accounts to show positive standing as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
On XX/XX/year> I visited a local XXXX XXXX retail store. I had had a credit account through Comenity BankXXXX XXXX XXXX and the sales associate had me enter my SSN and personal details on the card machine in order to pull up my account to pay for my purchases. At first it didnt go through. I told them I hadnt used the account in a while, and they said that entering by personal info would pull up my old account even if it was inactive. I entered my info another time, the sales associate called the company, and they said the account had been closed due to inactivity, which I wasnt aware of. So I paid for my purchases with another method. However, I then got notice that a credit inquiry was done by ComenityXXXX XXXX XXXX I called their customer service and eventually spoke with someone in the credit reporting department. I explained to the woman that I had never authorized any credit check, had only entered my information in the store as requested by the sales associate to locate my account. She said an application was submitted, which I informed her I had not submitted an application, authorized anyone to submit an application, and had no interest in opening an account if the other one had been closed. She said the application would be denied and removed from my credit report since it was submitted without my knowledge or authorization. She confirmed I would receive a letter in the mail stating all of this and confirmation that the inquiry would be removed on the grounds of fraudulently being submitted without my consent. However, I have not received any such correspondence and the inquiry has not been removed, in violation of what the creditor assured me would be done by them. I had no knowledge or intention of applying for an account with ComenityXXXX XXXX this inquiry was done without my knowledge or consent, and needs to be removed as the creditor assured me it would on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ingenuity RM, LLC
State: ND

Complaint narrative:
Ingenuity RM credit collections sent {$100.00} which I paid in XXXX. I paid it and requested a list of the other accounts I owed and # XXXX was listed as XXXX on the paperwork they sent me. I paid all the accounts off and they removed all the derogatory marks on my credit. This was completed last XX/XX/XXXX. They removed the marks and did not hear from them by phone or mail until XX/XX/XXXX. They sent me a bill for file # XXXX and now it's in the amount of {$360.00}. I sent them the paperwork stating this was paid and it was {$100.00}, not {$360.00}. They insist I still owe it regardless of the paperwork. I think someone is stealing. Definitely shady business practices. They need a good audit. I think they want to see how many times someone will pay the same bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX I went to a XXXXXXXX XXXX XXXX  to deposit money into my bank account because my bank doesn't it currently have any locations here. I bank with PNC bank. I deposited {$1000.00} cash into the ATM moments later the ATM returned {$100.00} to me and a message appeared on the screen that there have been a transaction error my money was confiscated it's a contact my banking institution. It also stated that no receipt would be issued concerning the matter! I've been contacting my banking institution who filed a report and they came back to me and told me they could find no issue. I then contacted all point ATM services who said they needed something in writing from the bank before they could initiate any type of search to find out what happened with my money in the meantime I have been without my money for over a week and no one appears to be doing anything to help me get a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Block Incs company, Square, is facilitating the funding of a XXXX attack against a XXXX. This violates their own policies and they are refusing to shut it down. Here is the reference to the fundraiser that Square is facilitating XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
This debt is not mine. I have submitted the XXXX  divorce decree, signed by the judge proving that this is indeed my ex-wife ' debt. I need help to get them to actually review the documentation to get Cavalry Portfolio Svc. to clear and remove this from my credit report and dismiss their frivolous law suit. I have formally filed a dispute several times with no remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XX/XX/XXXX to XX/XX/XXXX, I made two payments via ACH bank transfer to a contractor ( XXXX XXXX XXXX / XXXX XXXX XXXX ) to perform a bathroom renovation at my home. The total paid from Navy Federal was {$5200.00}. After partial work was done, the contractor abandoned the project and refused to complete the job. I later discovered that the contractor was not properly licensed or bonded to legally perform the work in Georgia, which makes the contract void and the work illegal under Georgia law. 

I submitted a dispute to Navy Federal, providing documentation including communications, invoices, proof of abandonment, and government records confirming the contractors lack of licensure. Navy Federal initially issued a provisional credit. However, after the merchants bank ( XXXX XXXX ) submitted basic ACH authorization documentation, Navy Federal reversed the provisional credit and closed the case. The only documentation submitted appears to have been the original payment authorization, which does not reflect the fact that services were never completed and that the contractor was operating illegally. 

Navy Federals denial failed to consider that this was not a normal services rendered transaction. It was a payment to an unlicensed contractor who did not complete the job, leaving me with substantial out-of-pocket expenses, and who can not legally enforce or retain payment for the work performed. 

I am requesting CFPBs assistance to have Navy Federal reconsider this matter based on the illegal and fraudulent nature of the transaction and reinstate the credit to my account. I attempted to resolve this matter through proper channels with Navy Federal, but they have declined to act in accordance with consumer protection principles in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Account JEFFERSON CAPITAL LLC ending in XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified mail with receipt displaying my signature. If not please delete this account ending in XXXX as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avant Holding Company, Inc.
State: IN

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX and XXXX which creditor reported twice under different account numbers that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper documentation and validation. Under 15 USC 1681 s 2, A furnisher must report accurate information under 15 USC 1681 I. The credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
Consumer Name : XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-07 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: FL

Complaint narrative:
Consumer Name : XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: OFG BANCORP
State: FL

Complaint narrative:
I have made multiple complaints, with information from Oriental Bank and XXXX  is biased with the bank. More than 7 years have passed since my foreclosure judgment, the date of my first delay was XX/XX/year>, as stated in the court ruling on the second page. In addition, they have treated me with discrimination and reversal.

Company response to consumer: Closed with explanation