vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
Account Affirm INC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature, if not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im writing to formally dispute the accuracy of an account currently listed on my credit report. I would like you to verify that all data related to this account is fully and accurately tied to me.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting the incorrect alias XXXX XXXX and a former address listed only as XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> ) without complete details. This reporting is vague and misleading. Incorrect personal identifiers are often symptoms of inaccurate file merging or third-party data contamination, typically the result of a data breach or internal mismanagement.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CitiBank/Best Buy Credit Card XXXX I have been trying to pay off a no interest promotion which expires in XX/XX/year>, every time I called to make a payment towards it, I would get incorrect information from their customer service, including a supervisor I spoke to. Last month I was informed by a supervisor that he was going to apply my full payment to the promotion and that I could count it as paid off effective that date, however XXXX comes and I see that my payment was not distributed as promised. Now in XXXX, I see that there's still a balance towards the promotion for {$13.00}, I called on XX/XX/year>, spoke to XXXX who gave call confirmation XXXX and employee id XXXX. XXXX assured me several times that if I made the payment of {$13.00} with him, " The System '' was going to automatically apply it to the promotional, I asked XXXX if he was sure about it, because my understanding was that The System would apply whatever payment to the current ( Non Promotion ) bill first instead, but he again misinformed by saying that was not the case and offer me to call in 2 days ( like if it was so fun to go through their IVR ) if I wanted to double check ( sorry, but it's your job to double check, not mine ). I called them again that evening, to be told by the rep that what XXXX stated that morning was correct. Today, XX/XX/year>, I logged in to confirm the promotion was paid off and guess what? You guessed right, it was not! Once again, I had given incorrect information and the payment I made on XX/XX/year>, had been applied by " The System '' to the XXXX promotional/current bill. At this point, I'm thinking their " System '' really dislike me paying off the promo deal. I again, had to call their customer service and spoke to XXXX ( XXXX ) whom took the missing portion of the current bill payment PLUS the {$13.00} to pay the promo off.

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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AR

Complaint narrative:
I would like to file a complaint with CashApp regarding nonpayment of funds, totaling {$1200.00}. Despite reaching out to them more than eight times, I have not received any resolution. It is a funded account, by me for my granddaughter. She was contacted by a man posed as a XXXX XXXX and once her parents found out, all social media, email and her phone was shut off preventing me from sending a code to her mobile to access the account. When I contacted CashApp, I was told to create another sponsored account, which I did. I am still unable to access the account to transfer the funds to her new account. Although, CashApp located both accounts, to include my account, they are refusing to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: KY

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 non-monetary relief
Consumer complaint received 2025-05-05 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: IL

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Complaint Against Equifax for Continued Reporting of Inaccurate and Unverified Information\nDear Consumer Financial Protection Bureau,\nI am writing to file a formal complaint against Equifax for their continued failure to correct, remove, or verify multiple inaccurate, outdated, and unverifiable items on my credit report. I have already disputed these items directly with the credit bureau multiple times, but no appropriate action has been taken to address the issues.\nEquifax is currently violating several sections of the Fair Credit Reporting Act (FCRA) by continuing to report information that has not been properly verified and has been previously challenged.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 XXXXLegal Violations:\n\tFCRA 611(a)  Equifax failed to conduct a proper reinvestigation within 30 days of my disputes.\n\tFCRA 607(b)  They failed to maintain reasonable procedures to ensure maximum possible accuracy.\n\tFCRA 623(b)  Furnishers have not provided proper verification, yet Equifax continues reporting.\nThese items are damaging my creditworthiness and no valid documentation or reinvestigation results have been provided. Continuing to report these accounts without verification is a violation of my rights under federal law.\n________________________________________\nRequested Action:\n\tImmediate deletion of all unverifiable and inaccurate accounts listed above.\n\tA complete reinvestigation with documentation proving each accounts accuracy.\n\tFull compliance with the FCRA and notification of all changes made as a result of this complaint.\n________________________________________\nDespite providing ample time and previous direct disputes to Equifax, these accounts remain unresolved. I am now requesting the CFPB to assist in enforcing my rights and holding Equifax accountable for these reporting violations.\nSincerely,XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXXXXXX XXXX XXXX XXXX XXXX BALANCE {$630.00}, XXXX XXXX XXXX XXXX XXXX BALANCE : {$890.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I purchased a {$100.00} XXXX gift card from a local XXXX store. After I arrived home, I tried to use it online but it got denied for no reason. 
XX/XX/year>, XXXXXXXX XXXX  Declined - XXXX XXXX XXXX XXXX - XXXX - XXXXXXXX XXXX  After the first try, the card can't be used because it has pending charge, which has caused its available balance is reduced. 
When I tried to use it two weeks later, I found that there was no balance and it had been used by somebody ( unauthorized ) on the internet. 

DATE/DESCRIPTIONAMOUNT XX/XX/year>, XXXXXXXX XXXX  Disputed - XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX {$100.00} I had never shared the card with anybody. I have called the phone number on the card to dispute it but the dispute case has been denied without any reason ( case # XXXX ). The customer service is vey bad and denied to resolve the issue. The XXXX gift card is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a text Fraud notice from Truist bank, I pressed " NO '' on request if I authorized the amount to be paid. Got several and went to the bank, sat with Bank Official and while she called the Fraud Department. They put all money back but said XXXX escaped for {$5000.00} and all was done by XXXX, which is part of the Bank system so I thought since it was provide as part of their services. I never used it up to that point as was limited to {$2500.00}. Yet they were removing at {$5000.00} at a time and said I must of given a pin number and was on computer, but I was at the bank with officer on phone with him. Fraud Department guy said since it got paid by XXXX, Bank was not responsible and to contact them. I got no info on how to contact them. Looked it up on the internet, contacted them and they asked me to make a Police and FBI Report and would send a document to fill out for that complaint for police. I got it XXXX  XXXX  later but was not from XXXX but from Truist. 
I Filed it and Police Report with XXXX XXXX Sheriffs and FBI. A few months back I got notice that XXXX Police knew whom the criminals were and would call. Nothing yet. Went to bank XXXX  since and Fraud Department refuses to return the {$5000.00} and Banking insurance is for that and Law requires they do so. XXXX did an investigation on a same crime identical in XXXX, XXXX involved, News reports show it nationwide as well. XXXX XXXX got their money back and they stalling on me.

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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells fargo constantly charges us extra fees on our account for the last XXXX XXXX of this 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 2025-05-05 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: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-05-05 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: CO

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting several collection and charge-off accounts that are similarly inaccurate, including : two conflicting entries for 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 XXXXXXXX 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  at {$310.00}. The duplicative nature of some accounts and discrepancies in reported balances suggest a failure to maintain reasonable procedures to ensure maximum possible accuracy as required under 15 USC 1681e ( b ). Reporting conflicting statuses and amounts on the same accounts compromises the integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation