vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: NJ

Complaint narrative:
I am submitting this statement to formally address the inaccurate reporting of late payments on open accounts that continue to appear on my credit file. These late payment notations are not an accurate reflection of my payment history and have caused significant harm to my creditworthiness. 
Despite my repeated attempts to dispute these inaccuracies directly with the credit reporting agencies and the furnishers of the information, the accounts remain unchanged. I have provided documentation and communicated my concerns multiple times, yet the records continue to reflect erroneous late payment remarks XXXX XXXX XXXX XXXX {$1800.00} Open date XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} Open date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3300.00} Open date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accurate information on my credit report. On my credit report XXXX XXXX has the amount owed wrong, payment info wrong also says I have XXXX  year term. I purchased the car through XXXX XXXX. I have no contract with XXXX, they have no wet signature from me. XXXX has taken over payments for XXXX auto accounts. In XX/XX/year> I purchased the car from XXXX XXXX and my term was for XXXX  years. Also the tile of the car has someone else on it. I went to get a new car and was going to trade in the XXXX and couldnt because XXXX auto fraudulently sold me a car that they still had leased on the title to someone else that was still and is named on the title. So I cant even do anything with the car, because someone else is named on it. I called to address the situation and they basically told me they cant help me. Because they just took over XXXX XXXX contracts to collect payments. No one has called me back to give me an update or anything about 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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I paid {$4000.00} via Capital One to XXXX XXXX XXXX ( XXXX  ) for an XXXX Tracking XXXX XXXX XXXX XXXX XXXX in XXXX. Upon arrival, the program was materially different from what was advertised, promised meals, structured dog training, and in-country support were missing. Instead, volunteers were used for personal errands and childcare. The program also violated immigration laws by instructing volunteers to work on tourist visas, as well it's program coordinator only has a spousal visa instead of a work visa. 

I raised these concerns with XXXX  but was ignored. After leaving on XX/XX/year>, for safety reasons, I notified XXXX. I have since been ignored by XXXX  regarding my refund and their investigation. My only option was a chargeback after XXXX weeks of returning from the program since XXXX would not assist. 

Capital One opened my dispute on XX/XX/year>, under Visa Reason Code XXXX ( Services Not as Described ). They requested more information on XX/XX/XXXX, which I provided on XX/XX/XXXX via their secure upload link. On XX/XX/XXXX, they closed the case, claiming it lacks all of the previously requested information. I called the next day, was told what to resubmit, and did so. On XX/XX/XXXX, I received the same denial. I called again, was told what to provide, resubmitted it, and on XX/XX/XXXX received yet another denial with the same wording. 

To date, I have submitted XXXX separate documents of proof including emails confirming my early departure, flight change receipts, and GVIs own terms showing breach of contract. This evidence is more than sufficient to begin a reasonable investigation under the Truth in Lending Act ( Regulation Z ). 

I am not requesting a full refund only a partial reimbursement for the unused portion of the program ( XXXX weeks ), plus costs directly caused by the merchants breach ( hotel before my flight and flight change fee ). 

This was not just a quality issue the lack of trust and unsafe conditions placed me at serious risk in the XXXX bush, where dangerous wildlife ( including elephants and predators ) roam freely and program leadership could not be relied upon in an emergency. I request CFPB intervention to have my dispute reopened and properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Re : Cease and Desist 15 U.S.C. 1692c ( c ) Account Number : XXXX To Whom It May Concern : I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), to demand that you cease all communication with me regarding the above-referenced account. 

According to my credit file, this account has been charged off with a written-off amount of {$18000.00} and a reported past-due balance of {$19000.00} as of XX/XX/year>. Because of its charged-off status, I further demand that you : XXXX. Cease all collection efforts related to this debt, including but not limited to calls, letters, emails, and electronic messages. 
XXXX. Refrain from selling, assigning, or transferring this account to any third party for the purpose of collection. 
XXXX. Confirm in writing within 15 days that you will comply with this demand and that no further communication or collection activity will occur except as permitted under 1692c ( c ) ( i.e., to confirm termination of contact or to notify of specific legal action ). 

Any further attempt to collect, or any transfer/sale of this account after receipt of this letter, will be considered a willful violation of the FDCPA and other applicable laws. I will document all violations and pursue all available remedies, including statutory damages, court costs, and attorneys fees. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: AR

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-15 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: NC

Complaint narrative:
I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified inquiries that were conducted without my explicit consent or knowledge.

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am disputing the debt and disputing having a agreement to pay Bank of America debt amount that is being stated. I need a copy of the credit card agreement that was allegedly signed, I need to see how all alleged charges was calculated and I need all alleged charge off information.

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 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I recently go onto my cash app and seen 4 transactions of money being added from my personal bank account that I DID NOT DO. 

All these transactions are from XXXX XXXX {$600.00} was added at XXXXXXXX XXXX {$100.00} was added at XXXX {$100.00} was added at XXXX {$50.00} was added at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I am disputing the reporting and collection of the above-referenced accounts for the following reasons : Business Account Misreported as Consumer Debt The account ( s ) in question are clearly designated as business-use credit accounts under the name XXXXXXXX XXXX XXXXXXXX XXXX XXXX registered business entity. 

These are not personal consumer credit accounts and therefore should not appear on my consumer credit file. 

Reporting them as consumer debts is misleading and violates the Fair Credit Reporting Act ( FCRA ) 605B and 607 ( b ), as well as FTC guidelines against misrepresentation of debt character. 

No Proof of Personal Liability Neither Goldman Sachs nor its collection agencies have produced a signed consumer credit agreement showing that I am personally liable for these debts as a consumer. 

Provided documentation lists a business borrower and business address, not me individually. 

This failure to validate violates FCRA 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ).

Failure to Provide Complete and Accurate Documentation The responses to my prior disputes have contained partial, incomplete, or irrelevant documents that do not prove consumer liability.

No executed agreement tying my name to the debts in a consumer capacity has been produced.

Reporting of duplicate tradelines and inconsistent balances also constitutes inaccurate reporting under FCRA 607 ( b ). 

Violation of FTC Guidelines and CFPB Standards Reporting a business debt as a consumer debt is a deceptive practice under FTC standards, as it misrepresents the legal status and nature of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a proper investigation into inaccurate and unverifiable information on my credit report. 

I previously disputed the following accounts by certified mail and included : A Method of Verification ( MoV ) request as outlined in the Fair Credit Reporting Act ( FCRA ) A Notarized Affidavit of Identity All supporting documentation showing the inaccuracies I received responses that the accounts were verified, but no documentation or method of verification was provided. This is a direct violation of : FCRA 611 ( 15 U.S. Code 1681i ) failure to reinvestigate and verify with reasonable procedures FCRA 607 ( 15 U.S. Code 1681e ( b ) ) failure to maintain maximum possible accuracy The disputed accounts include ( but may not be limited to ) : XXXXXXXX XXXX XXXX Acct # : XXXX Experian failed to validate balance accuracy, status, and furnisher compliance. 
XXXX XXXX Acct # : XXXX Verified with no proper method ; balance and delinquency are reported inconsistently. 

Additionally, I requested full disclosure of the verification source ( under Section 611 ( a ) ( 6 ) ( B ) ( iii ) ) and have yet to receive a response from the bureau. 

I have attempted to resolve this directly with the credit bureau ( s ) for over XXXX  days. No satisfactory or lawful response has been provided. I am requesting the CFPB enforce : Full deletion of the unverifiable items Disclosure of the Method of Verification Correction of all inaccurate or incomplete information I have also mailed this complaint to the FTC and included a notarized affidavit. I am submitting this online to ensure timely enforcement.

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 2025-08-15 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: AZ

Complaint narrative:
Re : XXXX This matter has not been fully addressed and was closed prematurely in the other report XXXX. Transunion has not removed proven inaccurate data and they continue to add data to my report that is not mine and was already removed over XXXX years ago. They simply re-age it with a new current date. This is why I dont like providing them my current information because they also the crooked data furnishers to first check and view my information and then use the current information to verify the inaccurate things. I can tell this by various inquiries made from them on other platforms including Transunion. In addition, Transunion uses its sister company called XXXX to reintroduce the known data and blame it on them and they blame it on Transunion and they both perform not in accordingly to the law. They also suppress a demographic with their discriminatory algorithm they continue to not make public nor address. XXXX them to reveal the algorithm and you will solve the problem in XXXX with economy and suppression of people.

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX name is XXXX XXXX. I have an business account with Bank of America under XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX, which I have gradually stopped using due to difficulty of making payments online and persistently not receiving my monthly statement for the account for couple of years. Whenever I receive the bank statement, I had to and always went to the local back to pay for the balance. However, per Bank of America, my account was closed in XXXXXXXX XXXX due to late payments of less than XXXX, which I was not aware and had not received statements at all. Noteworthily, I have XXXX rewards on the account, which I could no longer claim due to involuntary account closing. From their app, I was supposed to have XXXX  days from account closing to claim the rewards. However, after multiple phone calls with Bank of America and visits to local bank, I was constantly informed that I could no longer get my rewards back. My second to last phone call to them was on XXXX  and their President, Retail Banking and XXXX XXXX XXXX XXXX, XXXX XXXXl informed me to go to the local branch, so that they can help me further for claiming my rewards back. On XXXX I went to their XXXX  branch in California, the banker XXXX XXXX helped me to call Bank of America credit card service, XXXX  (employee number XXXX informed me again over the phone that neither her nor her manager had the ability to refund my rewards."

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 2025-08-15 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
XX/XX/year> XXXX updated credit card system. I made payment early. I had a payment plan and lower interest. The system dropped the plan and raised the interest and added late fees. I called multi times trying to find out what happened. They refused my payment, but kept the money. The reps kept saying new system, call back in a few days. I had tried to make another payment and the rep canceled it. I was never sent a notification about plan being canceled. I was trying to get a new payment plan set up. The reps kept saying call back and we will have more information. During a call I was informed my account was closed and I needed to pay the balance off now. My only money coming in is social security XXXX. The reps did not care and wanted my bank account number. They turned me into a collection agency before XXXX  days, who was calling all hours of day and night trying to talk to me. I talked to them, explained what happened and that I am on XXXX. They said XXXX should have never treated me that way. They told XXXX to stop adding interest and fees to my account and not release my name and number to anyone. Now I have XXXX XXXX and XXXX  harassing me by saying XXXX keeps turning my account in for no payment and delinquent. I was making payments and now XXXX is messing up my credit scores. Can my XXXX card information be removed from credit info on XXXX XXXX, and others? I am trying to fix my credit and do not wanted to be harassed by XXXX, collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX Date : XX/XX/year> Exeter Finance LLC XXXX. XXXX XXXX XXXX, TX XXXX RE : Cease and Desist Request Account XXXX XXXX To Whom It May Concern, This letter serves as my formal notice to Cease and Desist all further communication with me regarding the above-referenced account number. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I hereby demand that you cease all communication with me, including but not limited to phone calls, letters, emails, or other forms of contact. 

If this debt is valid and you intend to pursue further legal action, you are hereby notified to communicate only through the appropriate legal channels. Any further direct contact from your company, including agents or affiliates, will be considered harassment and a violation of federal law. 

Please note that this letter is not an acknowledgment or validation of the alleged debt. I reserve all rights to dispute the debt and request validation pursuant to the FDCPA. 

Failure to comply with this request may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or the Attorney Generals Office in my state. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation