vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-15 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
I am disputing an alleged debt being collected by Hayt , Hayt & Landau , P.L . on behalf of XXXXXXXX XXXX XXXX I sent a formal debt validation request via certified mail on XX/XX/year>, which their office signed for on XX/XX/year>. In that request, I lawfully asked for : A copy of the original signed agreement bearing my signature A full itemization of the balance Proof of ownership or assignment of the debt Legal authority to collect on behalf of the original creditor They failed to provide any of this. Instead, they mailed back a set of credit card statements and dated their response XX/XX/XXXXXXXX XXXX XXXXeven though it was postmarked XX/XX/year>, after they received my dispute. This appears to be an intentional backdating and a deceptive effort to appear compliant while ignoring my formal request. 

They continue to pursue collection activity without proper validation, which violates the Fair Debt Collection Practices Act ( FDCPA ) and may violate the Fair Credit Reporting Act ( FCRA ) if this debt has been or will be reported to the credit bureaus.

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 2025-05-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have called in on XX/XX/year> to notify Experian of the dispute and agent would not process

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 2025-05-15 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: Experian Information Solutions Inc.
State: NJ

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 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 2025-05-15 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: DISCOVER BANK
State: NY

Complaint narrative:
CONSUMER COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMPANY INFORMATION Company Name : Discover Bank Address : * * XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Phone : * * ( XXXX ) XXXX ACCOUNT INFORMATION Account/Loan Number : * * XXXX Product Type : * * Credit card Issue Type : * * Credit reporting, credit repair services, or other personal consumer reports COMPLAINT DETAILS What happened : I am disputing inaccurate information Discover Bank has reported to credit bureaus regarding my account ( XXXX ). I reviewed my XXXX credit report dated XX/XX/year>, and found several significant inaccuracies : XXXX. The account is reported as " CHARGE_OFF '' yet simultaneously shows an available credit of {$310.00}. This is logically inconsistent as a charged-off account should not have available credit. XXXX. The payment history shows an abrupt change from on-time payments to severe delinquency without proper progression, violating accurate credit reporting standards. XXXX. My credit file has a " Fraud Victim Initial Alert '' status, yet Discover has failed to properly investigate potential fraudulent activity on this account. 4. I previously attempted to resolve these issues directly with Discover Bank by [ describe any previous contact attempts if applicable ], but they failed to correct the reporting errors. Impact of situation : These inaccurate credit reporting practices have : - Damaged my credit score significantly - Hindered my ability to obtain new credit - Caused emotional stress and financial hardship - Created barriers to housing and employment opportunities - Potentially affected my insurance rates Fair resolution would include : 1. Complete investigation of the account reporting inconsistencies 2. Correction of all inaccurate information reported to credit bureaus 3. Verification of the accuracy of the charge-off status, amount, and dates 4. Proper consideration of the fraud alert on my credit file 5. Removal of the account from my credit reports if the information can not be fully verified 6. Compensation for damages caused by the inaccurate reporting Additional context : I believe Discover Bank is violating : - The Fair Credit Reporting Act ( FCRA ), which requires accurate reporting - Section 623 of the FCRA, which outlines furnisher responsibilities- The Consumer Financial Protection Act, which prohibits unfair practices I have copies of my credit reports and correspondence that document these issues, which I am prepared to provide as evidence. PREVIOUS STEPS TAKEN Before filing this complaint, I have : - Reviewed my credit reports from all three major bureaus - Identified specific inaccuracies in the reporting - Attempted to contact Discover Bank to resolve these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-05-15 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: CT

Complaint narrative:
In XX/XX/XXXX, I discovered something extremely alarming someone has been using my name to open fraudulent credit inquiries without my knowledge or consent. These inquiries were absolutely not authorized by me at any time, and Im deeply worried because this is clearly a case of identity theft. 
This situation has caused me significant distress, and Im urgently requesting that it be investigated and resolved as quickly as possible. Im asking and expecting that you take immediate action to remove and block these unauthorized credit inquiries from my credit report. 
Below are the credit inquiries that appear to have been fraudulently made in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX. 
These credit inquiries are causing me serious, personal, emotional, and financial harm. I expect an immediate investigation, written confirmation of removal, and no further damage to my credit report. I take this matter very seriously and will escalate legally if necessary.

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I opened a bread Cashback on XX/XX/XXXX after receiving an offer in the mail ( photo attached ). The offer stated that if I spent {$1000.00} in the first XXXX  days, I would receive a {$200.00} reward. 

I spent {$1000.00} by XX/XX/XXXX. I did not receive the {$200.00} reward so I followed up multiple times via their Secure Message Center ( between XX/XX/XXXX and XX/XX/XXXX ) and customer service phone line ( most recently XX/XX/XXXX ). 

The agent on the phone said that I met all terms of the offer and it would just take additional billing cycles for the reward to hit the account. I have waited XXXX  months and have still not received the reward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We opened a corporate business account with Bank of America and we noticed the payments were not being deducted immediately or within 24 hours to update changes. What the bank is doing is holding the payment of amount until the next billing cycle. This is not good as a company we need to keep our business and employee cards moving. This can hurt the company. I've been seeing complaints on XXXX. I did contact Bank of America on XX/XX/year> filed a complaint # XXXX. The representative XXXX said he understood my frustrations and put in a complaint. But I wanted to speak to a Manager as well XXXX identified himself as a Manager - provided his employee ID XXXX and not his last name. Once I explained to him, he then said he can change it to XXXX XXXX XXXX and make sure the corporate cards all had the same {$8000.00} credit limit. He assured if I made a {$2000.00} or XXXX payment it would reflect right away. I made a payment 1 hour after we spoke and do not see the balance reflect the payment. 
Though he worked to accomodate me I believe this holding payments is not legal, and can create issues for any personal or corporate customer account and can produce additional fees if a recurring charge tries to go through and fails due to their Payment hold until next billing cycle. I would like to this to be investigated and I would like to reach out to those who are also customers and seeing this happen to them. PS - I also have a personal credit card with them and they do the same with this card.

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: VA

Complaint narrative:
I received notification by mail attempting to collect a debt that is not mine. I have never owned the credit card mentioned, have an excellent credit rating, and have never had unpaid debts. I did respond to them by mailing back a form and attaching a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$380.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX : {$80.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} Open XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} Open Date XXXX XXXX, XXXX XXXX XXXX  XXXX : {$650.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance : {$500.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance : {$290.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries XXXX 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 non-monetary relief
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: AZ

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-15 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This credit bureau appears to be in conspiracy to commit fraud because they keep reporting fraudulently created debt for which the creditors failed to show consideration and failed to produce any true copy the lawful contractual agreement bearing my blue wet ink signature which is the only document proving a debt obligation of mine, nor the back copy of the contract showing where they forged my signature on the back before taking yo the federal reserve for funding. They loaned me nothing of value and never loaned me any of their own money so theres no loss and no debt. The credit bureau still reports the word of an institution that provides no proof but has violated my lawful rights enforceable by the Police Report of Identifty Theft and the Police Home Burglary Report which confirms my personal documents were stolen including license, social security card and taxes. Are they not committing mail fraud, wire fraud and conspiracy to commit bank fraud???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I bought a XXXXXXXX XXXX XXXX XXXX XXXX XXXX two days ago on my XXXX card. {$480.00}. Took it home and gassed and put oil in it, made seven strips across my lawn and it blew up. XXXX will not refund my card and told me to call warranty place, I called them and they said to take it to a place over 60 miles from where I live and have it looked at and then take up with XXXX XXXX  XXXX. The place they want me to take it to cant look at it for three weeks. Meanwhile I have a {$500.00} lawn mower that I can not use and no one wants to stand behind this purchase. I need help on the next step to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. 
XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed.

XXXX Please remove it from my credit report.

5. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as AgreedXXXX XXXX Please remove it from my credit report.

6. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX XXXX  Please remove it from 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