vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
I have sent letters to Experian regarding collections on my credit report. I previously disputed and they said they updated the information in which there wasn't an update reported. I then submitted a certified letter requesting if the debt was verified and documentation of how and with whom. I received and email saying my dispute has been updated but upon looking at my report there was not change at all and I have not received the information requested

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 2025-02-18 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 reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Block, Inc.
State: NC

Complaint narrative:
They no further information can be provided there customer service hot line was ti use the app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi so I started banking with XXXX  XXXX XX/XX/XXXX XXXX2025 and it hasnt been 3 months yet and they already restricted my account activity on my account. Im not sure what that means but this feel XXXX now because I stepped in the branch and they told me everything looks fine but still my account is restricted with no time frame or valid explanation this is very unfortunate for me because it left me with my high phone bill that I have to pay and I cant travel to work without accessing my money for transportation. I tried to not make it personal with them but they dont care and hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian & Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX Financial $ XXXX XXXX XXXX  $ XXXX Finance $ 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 XXXX XXXX $ XXXXCollections : XXXX XXXX  XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX INQUIRES 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries above and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-18 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-18 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: GA

Complaint narrative:
In accordance with fair credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name # XXXX Bankruptcy XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect Inquiry Reporting of XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX  XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX  XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX  # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXXXXXX XXXX XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX  XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Has violated my rights. 

15 U.S.C. 1681 Section 602 A, States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section 2, States a consumer reporting agency can not furnish an account without my WRITTEN Instruction and CONSENT.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records on convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause or believes that the information is inaccurate.

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 2025-02-18 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:
In accordance with fair credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name # XXXX Bankruptcy XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect Inquiry Reporting of XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX  XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX  XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX  # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXXXXXX XXXX XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX  XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Has violated my rights. 

15 U.S.C. 1681 Section 602 A, States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section 2, States a consumer reporting agency can not furnish an account without my WRITTEN Instruction and CONSENT.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records on convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause or believes that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: PA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 


Update the late payments from my consumer reports

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 2025-02-18 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: PA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 


Update the late payments from my consumer reports

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am reaching out to formally dispute the inaccurate inclusion of a bankruptcy on my credit report. I have obtained an official letter from the court that clearly states this bankruptcy should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately.

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify it.

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 2025-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a call from Credence Resource Management as I was driving home from work. During this call, they validate my information and the internet account in question from XXXX. They mentioned the total amount that was for 1. ) a final payment amount of {$280.00} and 2. ) hardware charges for {$280.00}. I informed the Credence rep, that I had canceled this service and returned the hardware shortly after. I also informed them that I had email proof of the final payment, however because I was driving, I could not provide them that information at that time. He scheduled to call me later that evening, however no one ever called. A few days later I began to receive calls from Credence, however due to the nature of my employment, I was not able to pick their call up. Yesterday, XX/XX/XXXX, I noticed a new collection account on my credit report that was by Credence. I attempted to speak to them today XX/XX/XXXX to have the collection removed and to understand why they had reported this to the credit bureau, after I had explained, the hardware was turned in and I had proof of the final payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CA

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 2025-02-18 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: CA

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 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 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I made a purchase through PayPal on XX/XX/XXXX of XXXX for a XXXX XXXX XXXX from a seller on a website called XXXX. Upon receiving the key, I realized upon me trying to redeem it that the key was invalid. I tried multiple times, did some research, double, triple checked that I was typing correctly, but it just did not work. 

Upon me figuring this out, I contacted the seller with my concerns, asking for a refund. They refused stating that since it was a digital key, once it was viewed I would be ineligible for any form of refund, even though they delivered me something with no monetary value since it didn't work at all. After I realized that the conversation was going nowhere with the seller. I made a dispute on PayPal and then they ruled in favor of the seller, allowing the seller to keep my money while they provided me nothing of value. I also contacted my bank to initiate a chargeback, but they were unable to do since the payment was processed via PayPal. 

This has left me with a worthless key ( could just be a random string of characters that happens to be the length of a windows key ), and no refund. This essentially makes PayPal an enabler of fraud. 

I believe this is overall unfair and a deceptive business practice. I was skimming through PayPal 's buyer protection policy, and they claim to " protect customers from fraudulent transactions '', yet in this case where I received no functional product PayPal still sided with the seller.

What do I want?

- A full refund ( {$24.00} ) - An explanation from PayPal as to how this was the conclusion they came to - A review of PayPal 's resolution process ( es ) to make sure that other customers don't remain unprotected In Summary : - Transaction Date : XX/XX/XXXX - Transaction Amount : {$24.00} - Seller 's Name : XXXX Limited - PayPal Case # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
The company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( B ) ( 5 ). Despite this, they've added a collection to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX, XXXX, and XXXX. 
XX/XX/year> {$170.00} Account number : XXXX I faced financial difficulties that led to the delinquency, but I have since improved my financial habits. I am kindly requesting that you remove this collection account from my credit report as a goodwill gesture.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: FL

Complaint narrative:
The balance on this account was {$620.00}. I paid {$400.00} on XX/XX/XXXX. They have reported my payment late and sent my account over to Credit Control LLC. as a collection account. 

I called them XX/XX/XXXX to report this error. They said they would investigate and get back with me, which they never did. I received another email from the collection company again on XX/XX/XXXX about the same collection. 

I called back XXXXXXXX XXXX XXXX to follow-up with this error. I told them they reported me last when I paid a large portion of the balance off. They tried to respond this account was late the last two months, but these charges showed up this month on the XXXX, and 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief