vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: NC

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. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-09 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: DC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-09 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: AR

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 explanation
Consumer complaint received 2025-05-09 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-05-09 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-05-09 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: NJ

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nCENTRAL PORTFOLIO CONT XXXX MN XXXX XXXX XXXXRE: CEASE AND DESIST  Account #XXXXTo Whom It May Concern,\n\nI am writing to notify you under the Fair Debt Collection Practices Act (FDCPA), 15 U.S. Code  1692c(c), that I am formally requesting you cease and desist all communication with me regarding the above-referenced alleged debt.\n\nI dispute the validity and/or amount of the debt, and I have the right under federal law to request that you stop all contact with me. If you believe this debt is valid, you may only contact me to confirm that you will no longer be contacting me, or to notify me of specific legal action you intend to take.\n\nBe advised that continued attempts to communicate with mevia telephone, mail, text, email, or otherwiseoutside of the conditions outlined in the FDCPA, may constitute harassment and a violation of my consumer rights. I will document all further communications and report any violations to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney General's Office.\n\nYou are now legally obligated to stop all contact effective immediately.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
After conversing with a representative from their organization, I was informed that they are unable to supply me with the original contract for the debt they assert I owe. Instead, I was told that they can only provide an itemized statement detailing the charges for their services. 
They are attempting to garnish my wages, claiming that I have XXXX separate accounts, each associated with different charges, none of which I am familiar with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have had American Express products since XXXX. In XXXX I decided to cancel the XXXX card because the annual fee has gone up to {$320.00}. It posted to my account on XX/XX/XXXX. I cancelled via chat on XX/XX/XXXX. Amex refunds annual fee if account is closed within 30 days of fee posting, but XX/XX/XXXX is apparently 31 days after XX/XX/XXXX. I am now required to pay the annual fee despite being unable to use the product. American Express representatives will not reinstate the card or issue even a partial refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Subject : Unauthorized Seizure of Business Funds by Bank of America Request for Investigation To Whom It May Concern, My name is XXXX XXXX XXXX, owner of XXXX XXXX XXXX, a small construction company based in XXXX XXXX 

On XX/XX/year>, Bank of America withdrew {$5700.00} from my companys business checking account without any prior notice. They applied this amount as an offset toward a closed business credit account. This action left my account with nearly XXXX funds and severely disrupted both my business operations and my ability to prevent the foreclosure of my personal home. 

I contacted Bank of America and pleaded for a reversal or even a partial refund of the seized funds, but they refused. This action has devastated my ability to meet payroll, maintain operations, or address urgent financial obligations. My business account contained those funds specifically to keep my home from entering final foreclosure and now that plan is destroyed. 

I am including a screenshot of my account activity showing the offset deduction for your review. 

I am asking the CFPB to investigate this action and assist me in seeking a resolution or return of funds so I can recover and continue operating as a small business owner. 

Thank you for your time and consideration. 

Sincerely, 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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MO

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 explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I am submitting this complaint because Experian is reporting a negative XXXX XXXX account on my credit report, showing a XXXX late payment reported on XX/XX/year>. I was only an authorized user, not the primary account holder. The account is closed with a {$0.00} balance, and the payment history shows 100 % on-time payments. 

Under the Fair Credit Reporting Act ( FCRA ) Section 603, authorized user accounts should not be reported in a way that negatively impacts a consumer who is not legally responsible for the debt. Additionally, per FCRA Section 611, I have the right to dispute inaccurate or incomplete information and receive a reasonable investigation by the credit bureau. Despite my previous dispute, Experian failed to properly investigate or provide a detailed explanation of their verification process, violating this right. 

This account is inaccurately affecting my credit score and financial opportunities. I am requesting that Experian immediately remove this account from my credit report, as I am not legally liable for 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 explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
It is simple. This was a 0 % XXXX promotional card. It has since come out of the promotional period in XXXX of 2024. I am struggling to make the minimum monthly payment ( approximately $ XXXX ) and I called to discuss options for either a ) reducing the interest rate ( currently 29.24 % ) or b ) waiving this month 's payment while I search for other solutions. I was refused both without explanation. I have made my payments on time and I do not use this card at all for purchases and have not for 2 years, my sole desire is to pay it off. At the current rate that would take 18 years. I was passed around to XXXX different people some of whom spoke XXXX so poorly I could not understand them, but each time after I explained what I was trying to do, I was then told " I am sorry, I am not the person who deals with this ''. I was finally transferred to XXXX in collections. After I explained what I was trying to do, he told me there are no options for me, Citibank does not reduce interest or allow customers to waive XXXX month payment for financial hardship. I have worked with many other credit card companies who do. I tried to get him to repeat to me that he is saying there are no options available and he began interrupting me to say " ok, I hope you have a nice day ''. I asked him is he trying to terminate the call and he said something like " you are saying a lot of things, I told you we can not help you ''. and on it went. I have paid about {$1500.00} in interest since last XXXX which has not really reduced the balance at all. I do not understand why they outright refuse to work with someone experiencing financial hardship, telling me there are no options for me. I would like someone who speaks XXXX clearly to contact me and explain why their policy is to refuse any relief to someone experiencing financial hardship. If that is the official company policy, I think it should be clearly stated on any and all applications consumers complete. I think it should be made known publicly so consumers can make better informed decisions.

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 2025-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint against Macys and its credit card issuer Citi for failing to process my formal request to cancel and close all Macys-related credit card accounts, including a Macys American Express card XXXX 

On [ insert XX/XX/year>, I contacted Macys customer service via their official website chat feature and explicitly requested that : 1. All Macys credit card accounts be canceled and closed, and 2. All credit card accounts be removed from my Macys online profile. 

However, instead of processing my request, I received multiple email notifications stating that my electronic statement preferences had been changed, which I never requested. To date, I have not received written confirmation that my credit accounts have been closed. 

I also submitted a request that Macys delete all of my personal information from their records. This request is made in accordance with applicable data privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ), Fair Credit Reporting Act ( FCRA ), and consumer rights under the Florida Information Protection Act ( FIPA ) and California Consumer Privacy Act ( CCPA ) ( if applicable ). 

Despite these clear and repeated requests, no action has been taken or confirmed in writing. 

Macys accounts : - ending in XXXX - ending in XXXX - ending in 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 2025-05-09 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: WI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: AL

Complaint narrative:
I recently looked at my credit profile and noticed a number of unauthorized inquiries and charged off accounts of on my profile. Those inquiries and charged off accounts consist of XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Payments XXXX XXXXCharge Off XXXX XXXX XXXX XXXX XXXXCharge off Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX-Late Payments XXXX XXXX XXXXCharge Off XXXX XXXX- XXXXCharge Off Equifax XXXX Specialty - XXXX XXXX XXXX Etc. XX/XX/XXXX XXXX XXXX - XXXX, XXXX, XXXX. XX/XX/XXXX XXXX XXXX XXXX-Late Payments XXXX XXXXCharge Off XXXX XXXX XXXXCharge 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 non-monetary relief