vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: FL

Complaint narrative:
I had an account with XXXX which I always paid on time while it was opened. I closed this account on XX/XX/year>, however XXXX XXXX I reopened the account which I never did. I contacted XXXX and complained about them reporting late payments on an account that is supposed to be closed. They said they would close the account n the credit report, however, they never did. Please helpline me. If they continue to have this account opened they will continue to report late payments and this is affecting me. I am requesting this account to be cleared sed and all payments removed. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
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 HI, I am writing to formally request validation of the alleged debt associated with my account [ XXXX ] in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). The information reported on my credit file appears inaccurate, and I am disputing both the debt and the late payments reflected on my credit report. 

Specifically, I request the following : * A full validation of the debt, including a detailed breakdown of the amount claimed, the original creditor, and any relevant documentation proving I owe this debt. 
* A record of all payments made and a clear explanation of how late payments were determined and reported. 

Until this debt is properly validated, I request that you cease all collection activities, including reporting any negative information to credit bureaus. If you are unable to validate this debt, I demand its immediate removal from my credit report and that all late payment marks be deleted. 


Sincerely, [ XXXX 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 2025-03-20 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: NJ

Complaint narrative:
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 HI, I am writing to formally request validation of the alleged debt associated with my account [ XXXX ] in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). The information reported on my credit file appears inaccurate, and I am disputing both the debt and the late payments reflected on my credit report. 

Specifically, I request the following : * A full validation of the debt, including a detailed breakdown of the amount claimed, the original creditor, and any relevant documentation proving I owe this debt. 
* A record of all payments made and a clear explanation of how late payments were determined and reported. 

Until this debt is properly validated, I request that you cease all collection activities, including reporting any negative information to credit bureaus. If you are unable to validate this debt, I demand its immediate removal from my credit report and that all late payment marks be deleted. 


Sincerely, [ XXXX 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 non-monetary relief
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report that I believe violate the Fair Credit Reporting Act ( FCRA ). My account information appears to be reported incorrectly by various credit reporting agencies, and I am seeking your assistance in resolving this matter. 
Account Information : Account Number : XXXX Account Type : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, Experian, XXXX Details of the Complaint : 1.Inaccurate Reporting of Account Status : The account is reported as " closed '' with some bureaus while being listed as " open '' with others. This inconsistency creates confusion and misrepresents my credit status.

2. Balance Discrepancies : The balance reported is {$1100.00}, which appears to be associated with a collection account. If this information is inaccurate, it misleads potential creditors and affects my creditworthiness.

3. Misleading Payment Status : The account is marked as " seriously past due '' and " assigned to attorney, collection agency, or credit grantor. '' If this is not accurate, it constitutes misleading information that could harm my credit profile.

4. Duplicate Reporting : The same account appears to be reported multiple times with slight variations, which may violate the requirement for accurate and consistent reporting.

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 2025-03-20 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: LA

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report that I believe violate the Fair Credit Reporting Act ( FCRA ). My account information appears to be reported incorrectly by various credit reporting agencies, and I am seeking your assistance in resolving this matter. 
Account Information : Account Number : XXXX Account Type : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, Experian, XXXX Details of the Complaint : 1.Inaccurate Reporting of Account Status : The account is reported as " closed '' with some bureaus while being listed as " open '' with others. This inconsistency creates confusion and misrepresents my credit status.

2. Balance Discrepancies : The balance reported is {$1100.00}, which appears to be associated with a collection account. If this information is inaccurate, it misleads potential creditors and affects my creditworthiness.

3. Misleading Payment Status : The account is marked as " seriously past due '' and " assigned to attorney, collection agency, or credit grantor. '' If this is not accurate, it constitutes misleading information that could harm my credit profile.

4. Duplicate Reporting : The same account appears to be reported multiple times with slight variations, which may violate the requirement for accurate and consistent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
XXXX XXXX Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against Experian & Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian & Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting XXXX corrective action to remove or amend disputed accounts. As Experian 's inaction violates federal law and my rights as a consumer. 

ACCOUNTS : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/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 2025-03-20 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/XXXX my XXXX account was hacked and my debit card was hooked up to the account, that night the hackers tried to charge me over {$10000.00} but only got away with {$2900.00} before the bank declined the rest of the charges. XX/XX/XXXX, XXXX XXXX had refunded me the money, then XX/XX/XXXX Fifth Third took the money back out of my account. XX/XX/XXXX we had reopened the dispute, I had sent proof of my account getting hacked and me having XXXX access to the account anymore, also sent them the XXXX other charges the hackers had tried to charge me for all within a minute. XX/XX/XXXX I had called the bank disputers line and they told me my dispute was declined. They had told me titkok refunded the account that got hacked and XXXX XXXX has nothing to do with the refund and there's nothing more than can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
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 non-monetary relief
Consumer complaint received 2025-03-20 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: OH

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: OH

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account # XXXX Account Status CLOSED_CHARGE_OFF Payment Status Past Due - {$2900.00} Balance Owed {$2900.00} Payment Amount {$0.00} Credit Limit {$2000.00} Recent Payment History - - - - - - - - - - - - Days Late - 7 Year History : 30 : 0 60 : 0 90 : 0 Creditor Remarks Account closed by XXXX XXXX Account Type Credit Card Last Payment XXXX XXXX, XXXX Account Verified XX/XX/XXXX Date Opened XX/XX/XXXX High Balance {$2900.00} Term Length 0 Month ( s ) Payment Frequency -- Account Rating Payment after charge off/collection Account Description Individual accou

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a disputed charge on my credit card that was unfairly denied by my bank. The charge in question, totaling ** $ XXXX, was for an accidental XXXX XXXX  made on XXXX XXXX, XXXX, at approximately XXXX XXXX Incident Details : I was browsing XXXX listings in preparation for a XXXX ski trip when I unintentionally booked a propertyeither due to an accidental screen touch or a system glitch. The moment I received the booking confirmation, I attempted to cancel but found that the listings cancellation deadline had just passed one minute prior which is XXXX. At this point, I was full aware that I would not be able to use this reservation, due to my children would not get off until XXXX break. 
Withinthree minutes ( by XXXX XXXX ), I contacted bothXXXX  and the host, explaining the mistake and requesting a cancellation. I also followed up with emails and text messages within 10 minutes. The host acknowledged that it was an accidental booking but refused to cancel, citing XXXX strict cancellation policy. 
If either XXXX or the host had processed my cancellation request within minutes of the booking, there would have been **no financial loss** to any party. Instead, they enforced an inflexible policy despite clear evidence that the booking was unintentional and immediately reported. 
Dispute Process and Unfair Denial After XXXX refused to assist, I disputed the charge with my bank, providing all relevant documentation, including : - Proof that I contacted XXXX and the host within **two minutes** of the accidental booking. 
- Correspondence showing that the host acknowledged the booking was unintentional. 
- The fact that I could not have stayed at the property, as it did not align with my familys travel plans. 
Despite this evidence, my bank denied my dispute, stating that XXXX 's policy overrides my right to challenge the charge. However, I believe this decision is unfair because : 1. I took immediate actionto cancel and prevent financial harm. 
2. XXXX policy is excessively rigid, ignoring legitimate consumer errors. 
3. My right to dispute a fraudulent or accidental charge should be upheld by the bank, not dismissed solely based on XXXX internal policies.

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 2025-03-20 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-20 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: MA

Complaint narrative:
The issue is that they refuse to respond to me, and whenever I reach out to ask them to review for inaccuracies, they claim I am someone else, despite providing all of my personal documents. As per the FDPCA and FCRA, all information must be validated and reported with 100 % accuracy, but that hasn't been happening.

Therefore, I have attached a letter requesting that they validate and verify the information, ensuring it is reported completely and accurately.

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 2025-03-20 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: AL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 non-monetary relief