vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the accuracy of a Amsher Collection collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, Amsher Collection would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT IN MY REPORT .PLEASE REMOVE THOSE ACCOUNT FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ( XXXX XXXX XXXX ) # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is reporting accounts being charged off but I have not received a 1099

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are multiple and substantial inquiries that have been addressed by sending detailed letters. I do not get any updates and my letters go ignored. Please see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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 2025-03-31 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: FL

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 2025-03-31 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: WI

Complaint narrative:
My credit report is showing a charge off that is inaccurate I am asking the credit bureaus to please conduct an investigation on the accuracy of the status of the charge off Please provide the following as proof of investigation : Names of people spoke to at company Proof of written contract Paperwork with dates showing payments being late Written consent to share experience with consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My credit report is showing a charge off that is inaccurate I am asking the credit bureaus to please conduct an investigation on the accuracy of the status of the charge off Please provide the following as proof of investigation : Names of people spoke to at company Proof of written contract Paperwork with dates showing payments being late Written consent to share experience with consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my 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
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have tried logging into my XXXX report and it looks like there is an incorrect email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-03-31 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX, I was informed by my mortgage lender ( I am applying for a home loan ) that my XXXX score went from XXXX in XX/XX/XXXX to XXXX now due to 2 late payments to Capital One credit card. 

I was completely unaware of any charges on that credit card because I had made no purchases on it for a prolonged period of time. 

Upon investigation into my Capital One account, I learned that a {$59.00} annual fee was charged to my account on XX/XX/XXXX. I was completely unaware of this charge. I was never informed in advance by the credit card company that this fee was upcoming nor was I provided the opportunity to decline the charge and therefore close my account. 

I have been charged now several interest fees on top of the annual fee. Upon learning about these " late payments '', I immediately paid the annual fee and late fees on XXXX online directly from my checking account to Capitol One. 

I then called Capitol One today to reverse the fees and annual fee since I had no awareness of any of them. They refused because I have already made the payment. In other words, had I not paid the balance, they would have waived all fees. But given that I paid, they will not return the money. That makes no sense. They would have waived fees despite providing information to my credit company that dramatically reduced my credit score but won't refund money that I paid. 

But the largest offense is the hit to my credit score due to a " purchase '' the credit card company made, not made by me. And they did this without my awareness. Despite receiving statements by email, there was no reason for me to check statements when I had a zero balance prior to this annual fee charged to me and when I did not use the credit card. Note that I have been with this credit card company since XXXX and have NEVER made a late payment. Nor are there any other late payments on my credit report. Yet, this docked my score over XXXX points. 

Capitol One states I have to wait up to 5 more days for my payment ( made directly through my checking account ) to be process by them before they will be able to advise me if they can or can not readjust my credit reporting from them to the credit agency. Capital One won't even advise me if they will do anything to fix this issue at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter to transunion regarding the fraudulent credit cards on my account & the false address and fraudulent hard inquiries. 

I sent my FTC identity theft report to transunion highlighting each fraudulent inquiry as well as each fraudulent address. There is a fraudulent hard inquiry and closed account for a discover bank credit card that isn't mine and that is attached to an address that isn't my address. 
The amount contains {$740.00} and opened XX/XX/XXXX. 

There is a fraudulent hard inquiry and closed account for a XXXX  XXXX credit card that isn't mine and that is attached to an address that isn't mine. The amount contains {$400.00} and the account was opened XX/XX/XXXX. 

There are also other traudulent inquiries on my report including Fraudulent Hard Inquiries, Charge-Offs, Late Payments & Collections that are not mine which includes 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
In XXXX, I was gifted a digital " XXXX '' XXXX prepaid card worth {$50.00}. At the time, I was unable to use this card at any merchant or through any online wallet. I did not pursue customer service at this time. In XXXX I decided to try again with this card, still to no avail. When trying to use their official site to check my balance, I was given an error message which also told me to try again at a later time. I called customer service and was told my card declined at the online merchant due to their " advanced security system. '' I was also told that any merchant that does NOT ask for a name, billing address, or any other personal information would accept this card. No such merchant exists. I researched this issue online to find hundreds of posts from the last few years with others facing the exact same thing. They also received no help from customer service. I called XXXX 's customer service back and I was told the exact same thing I was told the first call, word for word, following a script. I was able to contact a " supervisor '' who seemed very unhappy from the second he connected to my line. Once again, I was told the same script as to why my card wasn't working. After XXXX minutes, I was able to obtain a " refund '' that would be sent to my house via check. I was told there was an error with my address and I'd need to send proof of residency to " XXXX ''. I emailed my proof and never got a response. And when I went to track my case number on the " SecureSpend.com '' site, I was once again just given an error code. I tried multiple times over the course of a few days and it never once worked. I contacted the email for customer support listed on the XXXX site and after XXXX hours received an alert from XXXX that the message could not be sent due to an unavailable server on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX, XX/XX/2025, I XXXX XXXX was denied financing from my lender due to a collection listed on my consumer report. The creditors name is XXXX XXXX XXXX I am not familiar with this account nor creditor and I am requesting an investigation to take place on my behalf in regard to 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 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I requested a refund through cash app, my services wasnt met. So I requested a refund through cash app and to dispute the charges. I wasnt refunded or redirected to customer service to get the help with the transaction. The dispute was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I disputed some fraudulent charges I had on my account coming from XXXX XXXX. I called and immediately cancelled my card and my XXXX XXXX accounts. I then the same day went into my local branch and explained the situation and got a new card printed. After a week I called and was transferred numerous times to different divisions, so I finally went back into my local branch to get any type of information. I was told the. That my dispute was denied and I would have to contact XXXX XXXX so I did while I was there but I was told by XXXX XXXX that I needed to open a new account to access the old XXXX which wasnt really any help. I then was told to try and dispute again because there was a charge on there that originally wasnt disputed. After another week or so I still havent heard anything so I went back into my local branch and I was told I was denied. 
I then asked for the written evidence on there investigation and was just printed out the dispute details nothing else. Even on my statements its very obvious I dont use XXXX XXXX  and that the charges are fraudulent. Even the banker was surprised to see I was denied. From XXXX to XXXX I had over XXXX of fraudulent charges from XXXX XXXX in XXXX separate transactions. I immediately notified my bank when I noticed it. It seems like not investigating was actually done and that no one from that bank actually did anything except my local branch to do anything about 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 monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XX/XX/year>, I mailed a check through my bank to XXXX for my auto payment. Likely because of the XXXX holiday mail delays, the payment was lost. When XXXX contacted me, I immediately cancelled the check and paid my car note through their automated system. XXXX  reported me 30 days late anyway and left a derogatory notation on my payment history which dropped my credit score XXXX points. I have never been late of missed a payment with XXXX. I have XXXX other accounts in good standing. This is an error in their processing department, and it is negatively affecting my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, 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 2025-03-31 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: CA

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, 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 response to consumer: Closed with non-monetary relief