vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kahn, Dees, Donovan & Kahn, LLP
State: IN

Complaint narrative:
I used to be a drug addict and was homeless when i would have gotten the letter that showed my initial court case back in XXXX? XXXX  hospital in XXXX indiana said that i visited the emergency room and with no breakdown of what i owe them for and how it got up to over XXXX XXXX XXXX from XXXX i was heavily addicted to opiates and fresh out of high school. XXXX epidemic swept me up and im lucky to be alive. I was XXXX and taking XXXX  recreationally without any idea of what addiction was. From XXXX i visited the XXXX  at deaconess XXXX  times. Supposidly the charges are from 2013??? it is now 12 years later. Ive been paying {$150.00} a month to XXXX XXXX and XXXX attorneys office for over XXXX  years because they threatened, promised actually to GARNISH my wages if i didnt max out my available spare cash after paying rent utilities groceries and goods for a newborn girl, XXXX XXXX XXXX son, and XXXX XXXX XXXX stay at home wife. I am the sole earner, was.... lost my job a couple weeks ago. 
I was an idiot and never took care of any debt back then. 
But i also didnt have a phone, or way to recieve mail like a supena to court, liuke the one for the court date for this back in XXXX. I missed the court date and got an automatic Judgement against me. Ive paid enough for seeing a doctor XXXX times XXXX  years ago. My family needs a fresh start. I cant buy a home, get a loan, emergency credit card, NOTHING. I havent screwed anyone by taking and not repaying. No credit cards, no cars, rentals, XXXX. I feel cursed. Im a walking miracle. XXXX of the few who lost it all XXXX  times and by the XXXX XXXX XXXX lost it ALL for good. Exceot this XXXX judgment. I cant sell a home in my state. I tried paying XXXX down on a XXXX truck for work and because of this old judgement i got denied. I have never got approved for anything in the past 3 years making XXXX a month with XXXX disposable income. We are forced to rent, my wifes car has XXXX miles and is XXXX XXXX XXXX, my truck i use for work has XXXX miles on it and is XXXX XXXX XXXX. 
We need to get a XXXX time homerbuyers loan, we need a new family vehicle that is reliable before the inevitable end of our blessed journey paying it all on the nose and wasting XXXX a month in rent and having no emergency small limit credit card. Help please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I applied for payment assistance for 2 months online Ally and was approved through XXXX with XXXX being my regular payment. For some reason they only applied it to one month and started throwing in late fees. Every month since then they have added more late fees on something they cant even verify because I did it online and theres no trace. Ive called four times to resolve it and set up a new plan but now they are threatening repossession and I owe {$2000.00} in late fees that I cant pay and arent my fault because they never communicated the change in the payment plan. They refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to request the removal of an unauthorized hard inquiry listed on my credit report. I have not consented to any credit checks, and this inquiry is both inaccurate and damaging. Please delete the entry and confirm once it has been 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 2025-06-19 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-06-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I had a pile of gift cards saved for vacation and I went to check and they all had a balance of {$0.00}. I'm going on vacation on Saturday and now have none of my saved funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This trade line is messing up my credit report with improper use. They put a trade line on my credit and had me paid for it and put a late mark on my credit. I want this trade line removed from my credit report is a pay trade line and they marked it as Late for {$25.00}. I want this trade line removed. XXXX gon na report them to the FTC into the XXXX  again as well. I didnt know this was like a trade line and I dont want it on my credit and I have every right to get it 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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
About a month ago, and again XXXX weeks ago, I informed the Citibank branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX that I would be relocating to Hawaii for work. I specifically told the branch manager about my move. On XX/XX/2025, while on the island of XXXX where I will begin work on XX/XX/XXXX, I attempted to withdraw cash from my Citibank checking account to purchase a used car. I successfully withdrew {$1000.00} and then called Citibank to request an increase to my daily withdrawal limit to exceed {$5000.00}. The representative confirmed that this was possible, and I subsequently withdrew an additional {$500.00}. 

Immediately after that second withdrawal, my debit card stopped working and I was locked out of my online banking. When I called Citibank, I was told the account had been frozen due to suspected fraud. Since then, over the past XXXX days, I have spoken with multiple representatives and supervisors in the Fraud Department. I have explained that I am now based in Hawaii, and I urgently need access to my funds for essential living expenses, including groceries. Despite this, I am repeatedly told that a physical letter has been mailed to my address on file in California and that no other action can be taken until I receive it which could take up to XXXX business days. 

I have offered to verify my identity through secure document upload, by phone, or in person at a Citibank branch, and I have asked to escalate the matter to a supervisor who can assist. However, my requests for expedited resolution or partial fund access have been denied. I believe this is an unreasonable delay, especially given that I informed my home branch of my relocation in advance, and that I am now in a new state with no access to my own funds. I am requesting immediate action to verify my identity and restore access to my account.

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 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
My business debit card information was compromised and someone stole {$1000.00} from my account using XXXX XXXX I got fraud alert from Bank of America and I informed them it was fraud and immediately filed a claim with a representative while the charge was pending. I have no confirmation of this claim and my online banking says that I dont have an open claim.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please treat this as an official dispute of a hard inquiry I did not authorize. No credit was applied for and no permission was granted for my report to be accessed. This unauthorized inquiry is damaging and inaccurate, and I ask for its prompt removal in accordance with my rights under federal 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc.
State: GA

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear XXXX  Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : 1. SELF / LEAD Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX  Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law.

Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ).

Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear XXXX  Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : 1. XXXX XXXX XXXX  Account Number : XXXX 2. XXXX Account Number : XXXX 3. ONEMAIN Account Number : XXXX 4. XXXX FIN Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law.

Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ).

Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
I am filing a complaint regarding XXXX unauthorized or manipulative charges totaling {$1000.00} from UNSTOPPABLE XXXX, billed to my Capital One Quicksilver card. XXXX on XX/XX/year> and the other on XX/XX/year>, each for {$500.00}. 

I initially disputed both charges with Capital One. They requested documentation, which I sent a couple of weeks later due to not seeing their request in time. Despite providing all requested documents, Capital One closed the dispute, citing expiration of their dispute timeframe, even though I made a good-faith effort and responded promptly once I became aware. 

These charges were the result of high-pressure, psychologically manipulative sales tactics from a dating coach who pushed me into signing up for a program I did not truly want. I attempted to reach out to the merchant for a refund but was ignored. I do not feel comfortable dealing with the seller again due to the prior emotional and psychological pressure involved. 

I am now being held liable for {$1000.00} worth of services that were misrepresented and unwanted, and my credit card company is refusing to support me. Im asking the CFPB to help reopen the dispute and encourage Capital One to properly evaluate the documentation I submitted. 

I am working hard to rebuild my finances and credit. This experience has been incredibly disheartening and has left me feeling powerless. I trusted that using a credit card came with consumer protection, and Im disappointed that my situation is being dismissed over a technicality.

Company response to consumer: Closed with explanation