vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
XXXX XXXX stopped online payment option with card number and wanted access to auto withdrawal to my personal checking account and now I have a law firm, weltman weinberg and reis, suing me over the debt on behalf of southwood financial. And the law firm will not have communications with me outside of normal working hours. They have harassed me and family members for months. Can someone please do something about their unethical behavior. 

An appropriate and affordable repayment plan.

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: IA

Complaint narrative:
I have disputed several times with all XXXX  buereas to correct the information and remove it and they have done nothing to fix the issues I am disgusted with the outcome every time it's as if it don't matter when it really does I'm thinking since I have filed a complaint with you about this already that my next step is to hire an attorney and go after all XXXX as well as you guys

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have disputed several times with all XXXX  buereas to correct the information and remove it and they have done nothing to fix the issues I am disgusted with the outcome every time it's as if it don't matter when it really does I'm thinking since I have filed a complaint with you about this already that my next step is to hire an attorney and go after all XXXX as well as you guys

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/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 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 I didnt receive a statement XXXX days before the bill is due and this a billing error under 15 USC 1666b ( 4 ) ( 5 ) XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

5. I didnt receive a statement 21 days before the bill is due and this a billing error under 15 USC 1666b ( 4 ) ( 5 ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

6. I didnt receive a statement 21 days before the bill is due and this a billing error under 15 USC 1666b ( 4 ) ( 5 ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

7. I didnt receive a statement 21 days before the bill is due and this a billing error under 15 USC 1666b ( 4 ) ( 5 ) XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Who was occasion within the past week? Ive had unauthorized transaction taken out of my account and yeah, Im still waiting over a week for the XXXX charge. I was taken out to see if I can get my money back. 

There was no protocol to make sure my account was secure. Obviously I didnt get a text that transaction was trying to processed on my card Not only that amount so high, you would think that they would send you a text to make sure theres fraud activity, theres no security protocol that helps us customers feel secure with having our money in BANK OF AMERICA Not only that its XXXX weekend and now my account is negative because they allowed fraud transactions from my account. 

Im also adding XXXX last screenshot to show that my account when I woke up in the morning was {$140.00} and change in there. I made XXXX transaction for today at the XXXX restaurant which is {$12.00} but somehow later in the night, my balance is {$100.00}, just for Me to then have an authorized transaction of {$170.00} taken out of my account. Thats just ridiculous. And I want answers

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
During my communications with Capital One, I made multiple formal and reasonable requests to obtain clarity and resolve the issue in good faith. I specifically requested : ( 1 ) the estimated turnaround time for the investigation ; ( 2 ) a clear explanation of why my balance exceeded the limit ; ( 3 ) the specific transaction or reporting codes used, as I believe Capital One has inaccurately reported to the credit bureaus ; and ( 4 ) to escalate the matter by speaking directly with a XXXX XXXXXXXX. 

Despite these efforts, I was repeatedly denied critical information. Most notably, my request to speak with a XXXX XXXXXXXX was outright refused by a supervisor, XXXX out of XXXX XXXXXXXX XXXX XXXXXXXX ID # XXXX effectively denying me the legal and reasonable right to escalate the matter within the company. This obstructed my ability to resolve the dispute through internal channels. 

Capital One 's XXXX XXXX XXXX XXXX demonstrated an uncooperative and dismissive attitude throughout the process. They were unwilling or unable to provide substantive answers, showed no accountability, and offered no meaningful assistance. Their responses were vague, evasive, and at times appeared intentionally designed to avoid addressing my concerns. The overall handling of this matter reflected a lack of transparency and a disregard for my consumer rights. 

Additional Concern Potential Discriminatory Treatment : I also feel it is important to report that I believe I was subjected to discriminatory treatment by one of Capital Ones supervisors. Based on the interaction, it appeared that I was not being taken seriously or offered assistance until I explicitly stated that I would be filing a complaint with the CFPB. Prior to that, the supervisor was dismissive and uncooperative.

I strongly believe that the lack of support I received may have been influenced by assumptions made about my race, name, or the way I speak. This treatment made me feel that I was being racially profiled and not treated equitably as a customer. Discriminationwhether explicit or implicithas no place in customer service, especially when dealing with sensitive financial matters. 

I request that this aspect of my experience also be reviewed seriously and investigated as part of my complaint.

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: 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 XXXX ( XXXX ) auto loan account, referenced as XXXXXXXX XXXX XXXX XXXX XXXX across TransUnion, XXXX  and Equifax. While the account is correctly listed as closed and paid with a {$0.00} balance, all three credit bureaus are reporting a XXXX late payment for XX/XX/XXXX. This is my primary concern. I am requesting that the CFPB highlight this issue and require XXXX XXXX and the credit bureaus to furnish full documentation proving the late payment occurred, such as billing statements, due dates, payment records, and any official correspondence. If such evidence can not be provided, this derogatory remark must be permanently removed from all credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ). Additionally, there are multiple data inconsistencies across the bureaus, including different dates for account opening ( XX/XX/XXXX on TransUnion vs. XX/XX/XXXX on XXXX and Equifax ), last activity ( ranging from XX/XX/XXXX to XX/XX/XXXX ), and date of last payment. These conflicts call into question the accuracy and reliability of the reporting. The inaccurate late mark has negatively impacted my creditworthiness, resulting in credit denials and financial stress. I respectfully ask the CFPB to ensure that only accurate, verified, and consistent information remains on my credit profile, and that this matter is corrected in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was a victim of identity theft in XXXX & XXXX I was told to file a police report which I did. XXXX  and XXXX. Both removed the XXXX XXXX  account from my credit report. I called XXXX bank numerous times as well as submitted all the documentation to Equifax and they never removed this account. XXXX XXXX  closed the account and charged it off in XXXX. So I could never get the removed o spoke with an attorney and he told me to pay it off and get it off my report so on XX/XX/XXXX I paid off this account after they sold it to a third party collection agency. After paying it off XXXX XXXX opens the account back up on XX/XX/XXXX. They have violated my fair credit reporting. Please remove this from my acocunt

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: Improper use of your report — Report provided to employer without your written authorization
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of certain inaccuracies that require immediate attention : 1. The inquiry was not authorized FROST BANK XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX  XXXX XXXX  ( XXXX  ) Action required. Please do this ASAP! 
Hi XXXX, We have mailed out your disputes and begun intensive work on your profile. 

To get your credit issue resolved * * quickly * *, I also need you to submit a complaint to the * * CFPB * *. This will put pressure on the credit bureaus/collectors and strengthen our case. Since youll need to create an account, this step must be completed on your end.

Once you receive a response, please send it to me here. Follow these steps : Step 1 : Log in to the CFPB Website Go to the CFPB Complaint Portal : www.consumerfinance.gov/complaint.Click on the " Submit a Complaint '' button.

Step 2 : Select the Type of Complaint Choose the issue : Choose : Credit reporting or other personal consumer reports '' >> Type of credit reporting product? Choose : " Credit reporting '' >> Type of problem you are having? Choose : " Incorrect information in your report '' >> What best describes your problem? Choose : " Account status incorrect '' >> Have you already tried to fix this problem with the company? Choose : " No '' Choose the company : Select the credit bureaus ( XXXX, XXXX, XXXX  ) as the companies you are filing the dispute against. Youll file against each one separately. 




Then copy and paste the items provided below please : To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of certain inaccuracies that require immediate attention : 1. The inquiry was not authorized FROST BANK XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report In accordance with the Fair Credit Reporting Act, I insist that these discrepancies are thoroughly investigated and promptly removed from my credit report. I understand that it is your responsibility to verify these items with the relevant creditor. Any information that can not be verified must be eliminated. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter. 

Please ensure that an updated copy of my credit report is sent to the aforementioned address. It is important to note that, as stipulated by the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any entities who have previously received my credit report within the last six months of the necessary corrections. 

Thank you for your attention and assistance in resolving this matter. 
XXXX XXXX

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
There was a promotion to purchase a new Home Internet through the XXXX shopping portal for XXXX miles. I went ahead and made the purchase. However, after XXXX months, I still havent received the bonus. When I reached out to customer support, they denied my request, stating that the payment should have been made using a XXXX credit card. The actual offer is to purchase a new Home Internet plan, and the charges are processed at the end of each billing cycle through my checking account since theres no autopay option for using a credit card. 

Purchase date XXXX

Company response to consumer: Closed with monetary relief
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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this formal complaint regarding the continued reporting and unlawful re-verification of a debt that was legally canceled by the creditor and reported to the IRS via Form 1099-C on XX/XX/XXXX, in the amount of {$32000.00}. 

Despite presenting clear evidence of this cancellation, both Experian continue to report the account from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account XXXX. XXXX ) as active and derogatory. 

The account was verified through automated systemsspecifically e-OSCARwithout any manual investigation or supporting documentation, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). 

This reporting is inaccurate and misleading because the IRS has recognized this amount as income via a 1099-C. As such, the debt no longer exists and can not be legally reported or collected.

This conduct constitutes the following violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( D ) : Failure to notify other CRAs after resolution.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification upon request.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing knowingly inaccurate information.

15 U.S.C. 1692e ( 8 ) : Under the FDCPA, misrepresenting a canceled debt as collectible. 

I also invoke recent legal actions and precedents : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX must be meaningful and supported. 

XXXXXXXX XXXX XXXX XXXXXXXX CRAs must go beyond simply forwarding data. 

XXXXXXXX XXXX XXXX The method of verification must be traceable and evidence-based. 

CFPB v. Experian XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX, XXXX XXXX, XXXX ) CFPB sanctioned Experian for failing to conduct proper investigations and relying on automated systems. 

The continued reporting of this account despite clear IRS documentation and legal notice causes me significant reputational and financial harm.

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 fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX a resident of XXXX XXXX XXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX Attached Documentation : I have attached the following documents to verify my identity and process my request : d. A copy of my drivers license or government-issued ID.

e. A copy of a recent utility bill or bank statement confirming my current address.

f. A copy of my Social Security Number.

6- Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

7- Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX 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 2025-04-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone opened a lease in my name without my persmission ( identity theft ). I am operating under the assumption is was my brother, because he did it to my other brother as well. I have never lived in XXXXXXXX XXXX. I have given Equifax a copy of the FTC report and my driver 's license and they still do not honor it and refuse to remove it from credit report. XXXX  and XXXX  have removed it, but Equifax will not.

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: Block, Inc.
State: NJ

Complaint narrative:
I received a XXXX  Debit card in my name from Cash App. I have not created an account or requested this card. I called the company ( XXXX ) to request the account be deleted. I have a credit freeze in place and this should not have happened.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I has fraudulent accounts on my report. Please remove these accounts fron my report, they are hurting my ability to obtain credit,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I has fraudulent accounts on my report. Please remove these accounts fron my report, they are hurting my ability to obtain credit,

Company response to consumer: Closed with non-monetary relief