vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my credit card account due to a small overdue balance ( about {$32.00} ) without any proper notice or final warning. While a mobile app alert may have been issued, I was not notified by email or mail, nor was I warned that my account would be closed. 

As a result, I lost access to a card with a large credit line right before international travel, and my credit score was severely impacted. This was disproportionate and unfair, especially given the amount involved and my otherwise strong history with the bank. 

I am requesting that Bank of America : - Reopen or replace the closed card - Remove the derogatory mark from my credit report - Provide compensation or goodwill resolution for the damage caused I believe the lack of reasonable notice and the resulting harm violate fair banking and reporting practices.

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 2025-04-22 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: Central Research Inc
State: NY

Complaint narrative:
I found out through XXXX XXXX that there are student loan under my name from central reach inc for the amount of {$750.00} and {$430.00} and also a pale grant for {$510.00} with the XXXX XXXX XXXXXXXX XXXX XX/XX/year>. This is not my account the account was open with my maiden name and old house address in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MN

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-22 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: MI

Complaint narrative:
Reference : XXXX Complainant : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : General-purpose credit card or charge card Issue : Problem with a companys investigation into an existing problem Date of submission : XX/XX/year> I am following up on a formal dispute submitted to XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX regarding inaccurate reporting, excessive stacked fees, and the failure to apply credit protection services to my XXXX XXXX account. 

Per the companys own disclosures, it is clearly stated : We can not try to collect the amount in question, or report you as delinquent on that amount. 
While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
We can apply any unpaid amount against your credit limit. 

Despite this, I am concerned that the company has either already reported or intends to report the account as delinquent due to a missed payment that occurred immediately after I submitted my dispute. That missed payment is directly tied to the billing issues under investigation and should not be considered valid for negative reporting until the matter is resolved. 

I am disputing multiple charges that reflect excessive fees and billing practices ( including fee stacking ), which inflated the balance and contributed to my inability to pay. I also want to understand why credit protection services were not applied to shield my account during this time, as I believe I was eligible or should have been informed of the option.

I am formally requesting : 1. Suspension of any negative credit reporting related to the disputed charges, in accordance with FCRA 623 ( a ) ( 3 ).

2. That my account be properly marked as in dispute with all three credit bureaus during the investigation.

3. A detailed breakdown of all fees, including justification for any that appear duplicative or excessive. 
XXXX. A written explanation of why credit protection was not offered or applied.

5. A formal written response to my dispute and full resolution under the Fair Credit Billing Act.

If the company reports this account as delinquent while the dispute is unresolved, it would be a direct violation of their own terms and applicable federal law. I am seeking correction of all inaccuracies, prevention of further damage to my credit profile, and a full investigation by the CFPB.

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 2025-04-22 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: MI

Complaint narrative:
Reference : XXXX Complainant : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Product : General-purpose credit card or charge card Issue : Problem with a companys investigation into an existing problem Date of submission : XX/XX/year> I am following up on a formal dispute submitted to XXXX XXXX XXXX ( servicer for XXXX XXXX XXXXk ) regarding inaccurate reporting, excessive stacked fees, and the failure to apply credit protection services to my Destiny Card account.

Per the companys own disclosures, it is clearly stated : We can not try to collect the amount in question, or report you as delinquent on that amount.

While you do not have to pay the amount in question, you are responsible for the remainder of your balance.

We can apply any unpaid amount against your credit limit.

Despite this, I am concerned that the company has either already reported or intends to report the account as delinquent due to a missed payment that occurred immediately after I submitted my dispute. That missed payment is directly tied to the billing issues under investigation and should not be considered valid for negative reporting until the matter is resolved.

I am disputing multiple charges that reflect excessive fees and billing practices ( including fee stacking ), which inflated the balance and contributed to my inability to pay. I also want to understand why credit protection services were not applied to shield my account during this time, as I believe I was eligible or should have been informed of the option.

I am formally requesting : 1. Suspension of any negative credit reporting related to the disputed charges, in accordance with FCRA 623 ( a ) ( 3 ).

2. That my account be properly marked as in dispute with all three credit bureaus during the investigation.

3. A detailed breakdown of all fees, including justification for any that appear duplicative or excessive.

4. A written explanation of why credit protection was not offered or applied.

5. A formal written response to my dispute and full resolution under the Fair Credit Billing Act.

If the company reports this account as delinquent while the dispute is unresolved, it would be a direct violation of their own terms and applicable federal law. I am seeking correction of all inaccuracies, prevention of further damage to my credit profile, and a full investigation by the CFPB.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Reference : XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Product : General-purpose credit card or charge card Issue : Problem with a companys investigation into an existing problem Date of submission : XX/XX/year> I am following up on a formal dispute submitted to XXXX XXXX XXXX ( servicer for XXXX XXXX XXXX ) regarding inaccurate reporting, excessive stacked fees, and the failure to apply credit protection services to my XXXX XXXX account.

Per the companys own disclosures, it is clearly stated : We can not try to collect the amount in question, or report you as delinquent on that amount.

While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
We can apply any unpaid amount against your credit limit. 

Despite this, I am concerned that the company has either already reported or intends to report the account as delinquent due to a missed payment that occurred immediately after I submitted my dispute. That missed payment is directly tied to the billing issues under investigation and should not be considered valid for negative reporting until the matter is resolved. 

I am disputing multiple charges that reflect excessive fees and billing practices ( including fee stacking ), which inflated the balance and contributed to my inability to pay. I also want to understand why credit protection services were not applied to shield my account during this time, as I believe I was eligible or should have been informed of the option.

I am formally requesting : 1. Suspension of any negative credit reporting related to the disputed charges, in accordance with FCRA 623 ( a ) ( 3 ).

2. That my account be properly marked as in dispute with all three credit bureaus during the investigation.

3. A detailed breakdown of all fees, including justification for any that appear duplicative or excessive.

4. A written explanation of why credit protection was not offered or applied.

5. A formal written response to my dispute and full resolution under the Fair Credit Billing Act.

If the company reports this account as delinquent while the dispute is unresolved, it would be a direct violation of their own terms and applicable federal law. I am seeking correction of all inaccuracies, prevention of further damage to my credit profile, and a full investigation by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXX XXXX * Balance Owed : {$4800.00} Date Opened : XX/XX/year>

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 2025-04-22 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CarMax, Inc.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Since XX/XX/XXXX Ive been in XXXX XXXX for the XXXX for XXXX weeks with my cell phone no access to my bank accounts when I returned home from XXXX XXXX  over XXXX was missing from my capital one account I contacted them to let them know that the transactions were not me and unauthorized they put in several disputes for me XXXX  days later I get a dispute denial letter to my email saying it was denied due to the login history evidencing authorization and/or participation in the electronic activity when I specifically stated I had no access to my phone or bank accounts for XXXX weeks straight we arent allowed to have our phones at XXXX XXXX at any point of time I am livid all of my savings are gone and they arent trying to resolved this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-22 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:
XXXXIM A VICTIM OF ID THEFT IN THE INVESTIGATION HERE ARE A LIST OF FRAUDULENT INQUIRIES FOUND ON MY CREDIT REPORTS: Creditor Name\n\nDate of Inquiry\n\nCredit BureauXXXX XXXXTransUnionXXXX XXXXTransUnionXXXXTransUnionXXXX XXXX XXXX XXXXExperianXXXX XXXXExperianXXXX XXXX XXXXExperianXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXEquifaxXXXX XXXX XXXXXXXX XXXXExperianXXXX XXXXEquifaxXXXX XXXXTransUnion\XXXX XXXXXXXXExperianXXXXEquifaxXXXXTransUnionXXXX XXXXXXXX XXXXExperianXXXX XXXX XXXXTransUnionXXXX XXXXTransUnion\XXXXTransUnionXXXX XXXXXXXX XXXXTransUnionXXXX XXXX XXXXXXXXExperianXXXX XXXXExperianXXXXEquifaxXXXX XXXXEquifaxXXXX XXXXTransUnionXXXX XXXXTransUnionXXXX XXXX XXXXTransUnionXXXX XXXXTransUnionXXXX XXXXTransUnionXXXX XXXX XXXXTransUnionXXXX XXXX XXXXExperianXXXX XXXX XXXXExperianXXXXXXXX XXXXExperianXXXX XXXX XXXX XXXXExperianXXXX XXXXExperianXXXX XXXXExperianXXXX XXXX XXXXExperianXXXX XXXX XXXXExperianXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXEquifaxXXXX XXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXXTransUnionXXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXXExperianXXXX XXXXExperianXXXX XXXXExperianXXXXEquifaxXXXXTransUnionXXXX XXXX XXXXExperianXXXX XXXX XXXXExperianXXXX XXXXEquifaxXXXX XXXX XXXXExperianXXXX XXXXExperianXXXXEquifaxXXXXTransUnionXXXX XXXX XXXX XXXXExperianXXXX XXXX XXXXExperianXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXEquifax'

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 2025-04-22 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:
XXXXIM A VICTIM OF ID THEFT IN THE INVESTIGATION HERE ARE A LIST OF FRAUDULENT INQUIRIES FOUND ON MY CREDIT REPORTS: Creditor Name\n\nDate of Inquiry\n\nCredit BureauXXXX XXXXTransUnionXXXX XXXXTransUnionXXXXTransUnionXXXX XXXX XXXX XXXXExperianXXXX XXXXExperianXXXX XXXX XXXXExperianXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXEquifaxXXXX XXXX XXXXXXXX XXXXExperianXXXX XXXXEquifaxXXXX XXXXTransUnion\XXXX XXXXXXXXExperianXXXXEquifaxXXXXTransUnionXXXX XXXXXXXX XXXXExperianXXXX XXXX XXXXTransUnionXXXX XXXXTransUnion\XXXXTransUnionXXXX XXXXXXXX XXXXTransUnionXXXX XXXX XXXXXXXXExperianXXXX XXXXExperianXXXXEquifaxXXXX XXXXEquifaxXXXX XXXXTransUnionXXXX XXXXTransUnionXXXX XXXX XXXXTransUnionXXXX XXXXTransUnionXXXX XXXXTransUnionXXXX XXXX XXXXTransUnionXXXX XXXX XXXXExperianXXXX XXXX XXXXExperianXXXXXXXX XXXXExperianXXXX XXXX XXXX XXXXExperianXXXX XXXXExperianXXXX XXXXExperianXXXX XXXX XXXXExperianXXXX XXXX XXXXExperianXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXEquifaxXXXX XXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXXTransUnionXXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXXExperianXXXX XXXXExperianXXXX XXXXExperianXXXXEquifaxXXXXTransUnionXXXX XXXX XXXXExperianXXXX XXXX XXXXExperianXXXX XXXXEquifaxXXXX XXXX XXXXExperianXXXX XXXXExperianXXXXEquifaxXXXXTransUnionXXXX XXXX XXXX XXXXExperianXXXX XXXX XXXXExperianXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXEquifax'

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. 

Please provide the following information : CONSUMER ADJ acct # XXXX XXXX. * * Proof that I am responsible for the debt * * : Documents demonstrating that I owe this debt.

2. * * Details of the debt * * : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied.

3. * * Name and address of the original creditor * * : If this debt has been sold or transferred, I need to know the name and address of the original creditor.

4. * * Proof of your authority to collect this debt * * : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

Company response to consumer: Closed with explanation