vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-Atlantic Finance Co., Inc.
State: GA

Complaint narrative:
I am filing this complaint against XXXX and MID-ATLANTIC FINANCE ( Closed ) for multiple violations of federal law related to the inaccurate and unlawful reporting of an account on my consumer credit report. 

Issues and Violations : 1. Inaccurate Reporting of Account Number The account in question is being reported with an incomplete and unverifiable number : Account Number : XXXX XXXXXXXX. 
This account number is not specific, verifiable, or traceable, and as such, it fails to meet the standard for accuracy and transparency under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that all information reported about a consumer must be complete and accurate.

2. Late Payments Reported Without Proper Disclosures There are multiple late payments reported on this account, but I was never provided any of the disclosures required by law prior to the derogatory information being added to my report. This is a violation of : 15 U.S. Code 1666b Timing of Payments, which governs when payments are considered timely and how creditors must process them ; And a potential violation of 15 U.S.C. 1692e ( under the FDCPA ) if the reporting is misleading or deceptive.

Without proper notice or opportunity to cure, these reported late payments are unjustified.

3. Charge-Off Status with a Balance Violation of 12 CFR 1026.11 This account is listed as a charge-off with a remaining balance. Under 12 CFR 1026.11 ( c ), any account charged off with a credit balance must either be refunded or returned to the consumer. If a creditor claims to have charged off the account but continues to list a balance, this is inconsistent and misleading. A charged-off account should not simultaneously reflect an amount owed unless active collection is properly disclosed and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america was the prepaid card that benefits were deposited on for use I had at least 5 different claims of fraud where my benefits were stolen so from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was without those funds they refered me to XXXX to request for compensation where I submitted documents that proved I had hardship as a result of this yet I was denied So for 4 years my benefits were unavailable to me that they already admitted to and I have to prove to them that I experienced hardship? ... NOT HAVING ACCESS TO MY XXXX  BENEFITSS FOR XXXX IS A BIG HARDSHIP NO MATTER HOW YOU LOOK AT IT HOW COULD IT NOT BE ITS 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 2025-06-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This morning, I was alarmed to see an unauthorized inquiry appear on my credit report without any explanation. I check my report regularly and never expected to find something so concerning. I even refreshed my browser thinking it was a technical glitch, but it stayed there. Im extremely frustrated and demand that the documents I submitted be reviewed immediately so this can finally be put to rest.

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 2025-06-13 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: TN

Complaint narrative:
Please remove the following items from my credit report : - ADDRESSES : - XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

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 2025-06-13 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: TN

Complaint narrative:
Please remove the following items from my credit report : - ADDRESSES : - XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

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 2025-06-13 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: KS

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never XXXX. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed XXXX payments, I demand these payments to be updated to on time as they should be as I was NEVER XXXX. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-13 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: KS

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never XXXX. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed XXXX payments, I demand these payments to be updated to on time as they should be as I was NEVER XXXX. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was utterly shocked and XXXX upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-13 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my ChexSystems report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never XXXX " I recently reviewed my consumer report and noticed an incorrect XXXX payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed XXXX payments, I demand these payments to be updated to on time as they should be as I was NEVER XXXX. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a 12 month CD that matured on XXXX ( today ). The advertised APY was 5 % on a 12 month CD and the CD was held to maturity. The interest that they posted to my account was only. {$4900.00}, which was {$7.00} shy of the {$5000.00} that should have been credited on the {$100000.00}. Their explanation was that its how they compute the interest rate. My point of them was that an APY is an annual percentage yield so no matter what the rate is or how they calculate it, thats how it should be paid. I can only imagine that they are cheating many customers with their calculations. I even spoke to a supervisor named XXXX, who told me they would submit it to the back office but thats how they do it and it would take 30 to 45 days to get a response. I told her that was unacceptable and demanded that they pay the APY, but she said that she could not do it. In addition, I was prepared to rollover the balance to a new CD, but had previously given them instructions to cash in the one that matured today and put it in my savings account at Capital One until I could find out what the rates were. I even spoke to a representative yesterday to confirm that rollover CDs would earn XXXX with an APY of XXXX. However, supervisor XXXX refused to give me that rate because the money had been put into the savings account even though the letter they sent me stated that it could still be changed within the grace period, which we were well within. ( Enclosed ) I believe Capital One is deceiving customers and cheating them and I hope someone will check into the broader problem here as I am sure I am not the only one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I called to cancel my XXXX XXXX Citi XXXX on XX/XX/XXXX. I was told that the annual fee was not going to be charged at the end of XXXX. I was charged {$99.00} on XX/XX/XXXX. They promised to credit back my account. Citi credited {$82.00} in XXXX and claimed that they needed XXXX days to finalize conversion. Therefore, I had to pay for a partial fee during a time that I did not have the card with benefits. They never disclosed that a partial fee was going to be refunded.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal dispute regarding a late payment on my credit report. I have documentation that supports timely payment for the month in question. Kindly remove this entry to preserve the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I sent Experian a certified letter requesting a reinvestigation and a Method of Verification ( MOV ) under FCRA XXXX ( a ) ( XXXX ) for several disputed accounts appearing on my credit report. The letter was received on XX/XX/year>. Experian failed to respond within the legally allowed timeframe with the required details. Instead, they sent a generic email that restated their dispute process and mischaracterized my request as an identity theft claim which it was not. This response did not include the name and contact information of the furnisher, the method of verification used, or any documentation reviewed. As of today, Experian has not complied with my lawful request.

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 2025-06-14 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: CA

Complaint narrative:
TransUnion is currently reporting multiple hard inquiries on my credit file that I dispute as either unauthorized, unverifiable, or not initiated with my knowledge or consent. These include inquiries from XXXX on XX/XX/XXXX, XXXX/XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and two separate inquiries from XXXX on XX/XX/XXXX and XX/XX/XXXX. These inquiries are not reflective of any credit applications I knowingly submitted, nor was I given proper notice or provided with the necessary disclosures that would justify hard pulls against my credit report. 

These inquiries are materially harmful to my creditworthiness and public profile, especially since hard inquiries can lower a credit score and imply an active search for new debt. Under 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), a credit reporting agency may only issue a report in connection with a credit transaction that is initiated by the consumer. If these inquiries were not tied to a legitimate application for credit that I personally authorized, then their presence on my file is not only misleadingit is unlawful.

Additionally, TransUnion is obligated under 15 U.S.C. 1681i ( a ) to conduct a proper reinvestigation when a consumer disputes the accuracy or legitimacy of any item on their file. A generic response of verified without any supporting documentation or proof from the inquiring entities is not compliant with federal standards. TransUnion must confirm that each listed creditor had a permissible purpose and that the inquiry was directly linked to a credit application that I initiated, not simply pre-screened marketing or erroneous activity.

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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: MN

Complaint narrative:
I made a money transfer ( {$100.00} ) through " XXXX XXXX XXXX '' to XXXX - XXXX and the recipient could not retrieve the funds due to error in name and the company has refused to return the funds with several tries. 

Date of transfer : XX/XX/year> Transfer amount : {$100.00} Several attempts have been made but failed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief