vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
I ordered tickets from a website called XXXX for an XXXX XXXX XXXX in XXXX on XX/XX/XXXX. I thought I was purchasing 2 tickets for {$480.00} when the purchase went through on my bank account the total was {$1300.00}. The price was {$480.00} for each ticket and a service fee of {$330.00} was added to the bill which was never mentioned. Purchased this with a debit card from Idaho Central Credit Union that doubles as a credit card through XXXX. I called Idaho Central Credit Union and asked the charges be disputed. I sent documents vie email and several weeks later I was asked to send more documentation. They had never acknowledged they had received the first batch. I received the following response. We have determined that no error has occurred. If you are able to provide new information, you may request a reevaluation of your dispute. 

We have come to this conclusion because : Unfortunately, these charges were authorized, and the merchant completed the service requested, so we are unable to pursue recovery on your behalf. 
The provisional credit that was previously applied to your account will be adjusted. An amount of {$830.00} will be reversed on XX/XX/year>. You will have full use of the funds until the reversal. 

This notice serves as final resolution of your dispute for the above-referenced transactions. If your dispute included additional transactions not listed above, please be assured we are continuing to investigate those. 

Should you have further questions or if you wish to request the documentation we relied upon to make our decision, please contact us so we may assist you. 

Thank you for giving us the opportunity to serve you. We appreciate your business and the confidence you have placed in us. If we can be of further assistance, please contact Idaho Central Credit Union at XXXX. 

I have asked that they at least dispute the service charge of {$330.00} and got no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX, XXXX, XXXX  XXXX. 



XXXX, XXXX, XXXX Subject : Dispute of Inaccurate Information in My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct the errors listed below. 

The following item ( s ) on my credit report are incorrect : XXXX  Account Number : XXXX Nature of Dispute : inaccuracy According to 15 U.S. Code 1681o, a credit reporting agency may be held liable for negligent noncompliance with the FCRA, which includes failing to conduct a reasonable investigation of disputed information. I request that you investigate this matter promptly and remove or correct the inaccurate information as required by law. 

Enclosed are copies of supporting documents [ list documents such as bank statements, payment records, police reports, identity theft affidavits, etc. ], which substantiate my claim. Please conduct an investigation and provide a written response within the legally required timeframe of 30 days. 

If this matter is not resolved satisfactorily, I am prepared to escalate the issue and exercise my rights under federal law. Please provide written confirmation of the actions taken regarding this dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
Theres incorrectly information on 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
Consumer complaint received 2025-03-24 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:
Theres incorrectly information on 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
Consumer complaint received 2025-03-24 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:
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 2025-03-24 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-24 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:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to correct inaccurate and misleading information regarding the XXXX account ( Account # XXXX ) on my credit reports. Despite multiple disputes, the credit bureaus continue to report false and unlawful information, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Key Issues : Unlawful Re-Aging of Charge-Off Status The SAFCO account was charged off in XX/XX/XXXX, yet the credit bureaus continue to report a " CO '' ( charge-off ) status every month from XX/XX/XXXX through XX/XX/XXXX. 
This improperly extends the negative impact on my credit report, which is a violation of 15 U.S.C. 1681c ( a ) and 15 U.S.C. 1681s-2 ( b ).

Once an account is charged off, it can not be re-reported as a new charge-off each month. This is deceptive and misrepresents the true status of the account. 
Inaccurate Balance Reporting XXXX reports a charge-off balance of {$8900.00}, despite stating that {$5900.00} was written off. 
A charge-off means the creditor has written off the debt, yet the credit bureaus continue to report the account as " past due '', which is misleading and inaccurate. 
Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i ( a ) ( XXXX ), credit bureaus are required to conduct a reasonable investigation when a consumer disputes an item. 
Despite my formal disputes, the bureaus have failed to correct these clear errors, and instead, they have continued to verify the inaccurate 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 explanation
Consumer complaint received 2025-03-24 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: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to correct inaccurate and misleading information regarding the XXXX account ( Account # XXXX ) on my credit reports. Despite multiple disputes, the credit bureaus continue to report false and unlawful information, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Key Issues : Unlawful Re-Aging of Charge-Off Status The SAFCO account was charged off in XX/XX/XXXX, yet the credit bureaus continue to report a " CO '' ( charge-off ) status every month from XX/XX/XXXX through XX/XX/XXXX. 
This improperly extends the negative impact on my credit report, which is a violation of 15 U.S.C. 1681c ( a ) and 15 U.S.C. 1681s-2 ( b ).

Once an account is charged off, it can not be re-reported as a new charge-off each month. This is deceptive and misrepresents the true status of the account. 
Inaccurate Balance Reporting XXXX reports a charge-off balance of {$8900.00}, despite stating that {$5900.00} was written off. 
A charge-off means the creditor has written off the debt, yet the credit bureaus continue to report the account as " past due '', which is misleading and inaccurate. 
Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i ( a ) ( XXXX ), credit bureaus are required to conduct a reasonable investigation when a consumer disputes an item. 
Despite my formal disputes, the bureaus have failed to correct these clear errors, and instead, they have continued to verify the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NM

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 explanation
Consumer complaint received 2025-03-24 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: SC

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.I told the Experian, Transunion, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. According to law 15. U.S.C 1692C you have violated my rights by unlawful communication please remove this collection off of my credit card report thank 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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was receiving money from my clients for merchandises i sell online on different platforms, I received money through XXXX I had full proofs of shipping with trackings, some clients liked to be greedy and filled charged even though XXXX had XXXX charged back policy. So capital one bank is holding my almost {$4200.00} over 2 months now and whenever i call they give me an excuse of investigation. I gave them the proof of my company registration and everything but they are holding my money on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
On XX/XX/scrub> 2025 my university initiated a XXXX XXXX refund to me, So I gave them the account details of Wise INC to issue the refund with them. Since were planning to leave the country for a week or so. Because someone died in our family. XX/XX/XXXX Wise INC recieve the funds but cancelled it and close my account for whatever reasons. My only concern now was to refund the money that cost {$1000.00}. 
The University told me that they accepted the money. UpTo now there are still waiting for the refund.. Wise did not initiate a refund. We're trying to resolve the issue about 5 days now. Then they issue about an XXXX XXXX  refund not the {$1000.00} that I'm talking about. Is that professional?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a 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 2025-03-24 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, 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