vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
LVNV funding is reporting that I owe them {$1100.00}. I requested a validation of the account they alleged I owe on. They refused to give me the requested information. They are reporting to XXXX XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for an offer described in the following article : https : XXXX dated XX/XX/year>. That was the offer I had applied under, but was given a different cardmember bonus in my account. I can not even find this cardmember bonus anywhere publicly. The customer service representatives and supervisors have not been helpful at all in resolving what is deceptive advertising. There was no confirmation of what cardmember bonus I got in any written form from the application. I did not even realize I had a completely different deal until I confirmed my progress in my progress to see that I only needed to hit {$2000.00} in spend for XXXX XXXX XXXX miles when I specifically applied for a much better deal in hitting {$3500.00} in spend for 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-01 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: FL

Complaint narrative:
I was approved for the disaster relief program for which I applied in XXXX of 2024. During the duration of this no late payments were to be reported to the credit bureaus. Upon checking I saw that XXXX XXXX did report late payments for the months of XXXX, XXXX, XXXX and XXXX. I've contacted XXXX XXXX in several occasions to have this incorrect information deleted and haven't obtained any answers or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NJ

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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$370.00}

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 2025-03-31 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
To Whom It May Concern,

I am writing to file a formal complaint regarding PayPal's failure to uphold its Seller Protection policy.

On XXXX XXXX XXXX, we sold and shipped XXXX  items to:

XXXX XXXX XXXX XXXX XXXX XXXX

We shipped the item to the confirmed address provided by PayPal, using USPS with tracking, and the package was marked as delivered. The tracking number is [insert USPS tracking number]. This transaction was marked as eligible for Seller Protection in my PayPal account at the time of sale.

Despite meeting all the requirements of PayPals Seller Protection (shipping to the confirmed address, tracking proof of delivery, and physical goods), the buyer filed a chargeback with their credit card company, claiming non-receipt. PayPal initially told me I would be protected, but after the chargeback, they reversed their position and informed me that the matter was out of their hands.

They explicitly told me over the phone that I would need to resolve the issue directly with the buyers bank  which contradicts their own Seller Protection policy, where PayPal claims to handle disputes on behalf of sellers. In this case, they simply refunded the buyer and passed the loss to me, despite having all evidence in my favor.

I am requesting a full reversal of this decision and reimbursement under the Seller Protection program as clearly advertised and promised.

Sincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CT

Complaint narrative:
I am submitting this complaint regarding Discover Financial Services inaccurate reporting of my account to the credit bureaus. My Discover account was charged off in 2021, yet Discover continues to report late payments on my credit report after the charge-off date. This is incorrect and is negatively impacting my credit score.

I have disputed this issue directly with Discover, but they have refused to correct the error. I have also contacted the credit bureaus to dispute the inaccurate reporting, but the issue remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), information on my credit report must be accurate and verifiable, and Discovers continued reporting of late payments on a charged-off account violates this requirement. 

I request that the CFPB investigate this matter and ensure Discover updates my credit report correctlyremoving all late payment notations after the charge-off date. 

Thank you for your time and assistance. I look forward to your prompt resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Subject : Dispute of Late Fee Due to Verified Autopay Setup Error To Whom It May Concern, I am writing to formally dispute a late fee that was applied to my Capital One credit card account, despite having set up automatic payments prior to the due date. 

Before the payment was due, I enrolled in autopay and added my bank account information. The account was verified and confirmed as valid by Capital Ones system. However, the payment was canceled due to a supposed invalid account number, which is confusing and concerning, given that the account had already been verified. 

As a result of this cancellation, I was charged a late fee. I believe this fee is unjustified, as I took all reasonable and required steps to ensure timely payment. If there was any error in processing, it occurred on Capital Ones end and not mine. 

I respectfully request that the late fee be removed from my account and that my credit report not be negatively impacted by this situation. I would appreciate written confirmation once this matter has been resolved. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX Digits of XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC.
State: OK

Complaint narrative:
Sent in investigation letters to Experian and Equifax, and they sent back stall letters because they deem my dispute letter or the request as not legitimate. I provided my proof of address, and drivers license as my proof, I did not send the letters by themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: KY

Complaint narrative:
I am writing to report an ongoing issue with a false collection on my credit report that Experian has failed to remove, despite multiple disputes. 

I first disputed a collection account from XXXX XXXX XXXX XXXX by the amount of {$500.00} and it was initially removed from my credit report. Specifically, on ( XX/XX/year> ) the XXXX XXXX XXXX XXXX collection account was removed from my credit report. However, after a period of time, the same false collection reappeared on my report. 

I disputed this item again, and despite further investigation proving its inaccuracy, the collection was re-added to my credit report. I have made repeated attempts to have this erroneous collection removed, including filing disputes on multiple occasions. Each time, the collection was either incorrectly verified or reappeared after being removed. Experian has failed to provide sufficient evidence or explanation for why this inaccurate entry continues to appear on my credit report. 

I am also aware that Experian experienced a significant data breach in the past, which may have contributed to the erroneous reporting of this collection. Given the nature of the breach, it is possible that my personal information was compromised and misreported, leading to the appearance of this false collection on my report. 

Despite following all necessary steps to dispute this item, Experian has failed to adequately verify the legitimacy of the collection. This continued failure to remove the false collection is not only damaging my credit score, but it also violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I respectfully request that this false collection be permanently removed from my credit report, as it is severely impacting my financial standing. Please investigate this matter thoroughly and ensure the immediate removal of this inaccurate collection from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt 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 2025-03-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I was reviewing my Chase credit app where I have a checking, savings, and credit card account with chase. I was reviewing my XXXX XXXX and offers with Chase and there was XXXX out of XXXX credit card offers that stated that they were already approved and there would be no dings or hard inquiry. ( XXXX does a great job of being clear and honest with their offers ). I then accepted the offer for Chase Freedom XXXX with a decent credit line. The next day, there was an alert of XXXX points with the XXXX next to it so I called Chase both yesterday and today - spent hours talking to everyone without a resolution. The last representative said that it wasnt Chase that did a hard inquiry and I explained that right on my app- I was looking right at the XXXX XXXX points and letting the representative know that and she said I would have to call XXXX or XXXX XXXX I then asked to be transferred to someone else due to the false advertisement and their unwillingness to make it right to life long consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 filing this complaint regarding an inaccurate item ( s ) on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of all items, as it is incorrect and does not reflect my true credit history. As per 15 U.S.C 1681i ( a ) ( 5 ) any information that is found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a volitation of the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am filing a complaint regarding an unresolved dispute on my American Express account in the amount of {$20000.00} ( Dispute Reference Number : XXXX ). The charge relates to a merchant named Tribe Windows ( XXXX XXXX XXXX ) for large windows, doors, and cladding installation at my residence in XXXX. The merchant failed to complete the contracted work and did not deliver several key components. He has been unresponsive to all follow-up attempts. 

I submitted extensive documentation to Amex, including : A professional engineering report confirming the merchant 's failure to meet contractual obligations Scope of work documentation, photos, and marked-up drawings Numerous attempts to contact the merchant ( texts, emails, calls ) Despite this, Amex has repeatedly closed and reopened the dispute without providing clear reasoning or explanation. I have requested escalation to a XXXX on at least XXXX occasions via chat and formally escalated to their XXXX XXXX XXXX team via emailbut received no acknowledgment or follow-up. 

The dispute remains open but the decision date has been pushed out repeatedly since XX/XX/year>. The lack of communication, transparency, and action by Amex has made it impossible to resolve this through their internal process. 

I am requesting that the CFPB assist in prompting a full and fair review of the dispute, along with a formal response from American Express, including : XXXX A full and fair review of the complete evidence package > Provide a transparent and well-documented decision XXXX Resolve the dispute fairly given the merchants breach of contract

Company response to consumer: Closed with explanation