vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-18 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally request a goodwill adjustment for a late payment reported on my account in XX/XX/XXXX to all three credit bureaus. Since opening my account in XXXX, I have been a responsible and loyal customer, consistently making my payments on time. However, during the period of this late payment, I was experiencing an unexpected financial hardship due to a COVID-related job loss. Despite these challenges, I made every effort to meet my financial obligations, and I have since maintained a strong payment history. 

I want to emphasize that this late payment is not reflective of my usual credit behavior, and I deeply value my relationship with your company. Unfortunately, this single negative mark has significantly impacted my credit score, making it difficult for me to secure an apartment and lease a car.

I understand that, under 15 U.S. Code 1681a ( 2 ) ( A ), a consumer report does not include information solely based on direct transactions between a consumer and a creditor. Additionally, 15 U.S. Code 1666b ( a ) states that payments on a credit card under an open-end consumer credit plan should not be considered late for certain purposes. Given my long-standing positive payment history, I respectfully request that your company exercise its discretion and remove this late payment from my credit reports as a gesture of goodwill.

I sincerely appreciate your time in reviewing my request. I hope to continue a long and positive relationship with your company and would be grateful for your assistance in helping me restore my credit standing. Please let me know if you require any further information to facilitate this adjustment. 

Thank you for your time and consideration. I look forward to your response.

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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2025-02-18 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
For the past year, I have been unable to temporarily lift a freeze on my TransUnion account online. I'm told by the site that my freeze can't be found and to call customer service. I call customer service and I'm put through a phone tree. All the while, the AI tells me I can lift the freeze online or by phone. Since I CAN'T do it online, I try by phone. I punch in all the requested identity data only to be told by XXXX XXXX " I can't help you. Let me transfer you to someone who can. '' I'm then left on hold for XXXX minutes. Finally, I reach a representative. I answer, FOR A THIRD TIME, the same identity questions, plus I take a multiple choice test. XXXX, an hour later TransUnion has gotten done what took XXXX minutes with the other XXXX credit reporting companies. I ask for a contact number to try and resolve this ongoing issue. I'm given a number which leads me RIGHT BACK TO THE SAME PHONE TREE I JUST GOT OFF OF!

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 2025-02-18 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: MD

Complaint narrative:
XX/XX/XXXX, {$63000.00} Identity Theft XX/XX/XXXX, {$100000.00}, Identity Theft XX/XX/XXXX, {$3300.00}, Identity Theft XX/XX/XXXX, {$3900.00}, Identity Theft XX/XX/XXXX, {$220.00} Identity Theft I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. '' Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from 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 non-monetary relief
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
I have been trying to set up Autopay on a credit card with Bank of America. I get an error message that the account is already set up and I can't set up another. I have spoken to many different representatives and they all say they have fixed the problem, the process will take 24 hours and to try again. Each time its is the same result. I am unable to set up an autopayment. bank of america makes it impossible to change the bank account from which you want to pay your bill. any other credit card I can go online and change the bank easily within minutes. Bank of America makes it impossible. This will cause increased late fees and interest perhaps on purpose.

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 2025-02-18 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: COMMERCE BANK
State: TX

Complaint narrative:
On XX/XX/XXXX I applied to and was accepted to receive the XXXX world XXXX with Commerce bank. I received the card around XX/XX/XXXX and began using the card to make purchases. In the cardholder agreement it stated XXXX point per dollar of regular purchases. XXXX points per dollar for gasoline, XXXX 's, and auto purchases ( aviation, and automobile ). XXXX points per dollar for XXXX preferred partners, ( including XXXXXXXX XXXX XXXX XXXX ), and XXXX points per dollar on XXXX products such as renewals for membership and for conference sign ups. As of yet I have only received points at the base XXXX point per dollar regardless of category. On XX/XX/XXXX ( posted on the XXXX ) a purchase was made at XXXX XXXX XXXXXXXX XXXX for XXXX dollars. again on XX/XX/XXXX another purchase was made for XXXX. I received only the base XXXX point per dollar spent. As such I called into the rewards program help line and was informed that those promotions had expired even though they were still being advertised and was instructed to call commerce banks credit card services line. This call was made on XX/XX/XXXX. In the rewards agreement, it states that points are updated within XXXX business day of purchase posting date. I was informed that I would be called back by XX/XX/XXXX, I never was. On the XXXX I called in again to request an update, and was informed that it XXXX be because my first statement needed to be made first, ( that day ) but that I was on a list that would have my points added after the statement generated. I was also informed that I would be called back within a day or XXXX for an update. I was not contacted again. I called back again on XX/XX/XXXX after the statement had been generated and as of current time, no points updates have been made. I was informed that despite the promise to escalate, no decision or resolution had been made or discussed and no new information could be given but that I could expect a call back by Friday, but then was changed to XXXX  as the agent taking my call would be taking Friday off, so to expect a call by XXXX  the XXXX. I was also informed that I would not be able to receive copies of the call logs for the calls made to customer service, nor the document trail on their end of this service request which by the XXXX will date back nearly a month to XX/XX/XXXX for the first noticed item that had not been awarded the proper points total. To date I have received no points above the flat rate of XXXX point per dollar for any purchases with regardless of category specified by the card holder and rewards agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I received a 1099 Tax Statement with my SSN in XX/XX/year> from CashApp but I have never opened an account with CashApp nor even knew of the company 's existence. When reaching out to the CashApp to freeze the account, the CashApp Support representative, XXXX, explained that the account would only be frozen after local authorities were involved to investigate the potential fraud claims and redirected to report identify theft to the Federal Trade Commission. 

I've already submitted a fraud claim with the FTC and other consumers experiencing the same exact issue with CashApp recommended to submit a complaint to CFPB as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
Please refer to the attachments pertaining to the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on XXXX I paid my XXXX  bill using their website and the payment information that was stored. The total payment was XXXX. On XXXX I was told by my credit reporting agency that I had incurred a late fee for non payment on this account. I went back on line to pay AGAIN and used the payment information stored on their site. This time the payment was kicked back re : problem with card. I called and told them this was paid and IF there was a problem with my account then why was I not informed. I also reminded them that I received XXXX emails daily from them so, why not drop me one concerning this? The rep. agreed to remove the late fee. A month later, they destroyed my credit score. I called on XXXX and asked the rep. to walk me through my account activity. He stated that my payment on the XXXX was returned on the XXXX and that a late fee was noted on XXXX. I explained to the rep. that there lack of communication has destroyed my credit. he filed a ticket for review to rescind the late payment on my report. On a letter dated XXXX. I was told that they would not rescind this reporting as it " would reflect inaccurate representation. '' This is an act of racial discrimination and negligence. Not only was this matter of rescinding their credit report handled more swiftly then it did for them to destroy my credit ( 3 days ) but, it doesn't even acknowledge that blame on their end. The payment information issue was not addressed, nor was the fact that NO communication was attempted to resolve it before applying the late fee. THIS inaccurate representation that they have cast upon me and my credit worthiness is pure discriminatory malice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
Request to Cease Reporting Due to Violation of 15 U.S.C. 1692c I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request that you cease reporting a collection account associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c.

I recently sent a letter to the collection agencys XXXX XXXX XXXX regarding the violation of my rights under this statute. As per this law, I have the right to request that they stop contacting me under certain circumstances. I understand that this applies to how this information is reported to credit bureaus as well. 
Given this situation, I kindly request that you investigate this matter and take the necessary actions to remove any negative reporting associated with the collection agency from my credit report as soon as possible. 

Please confirm receipt of this letter and let me know the actions you will take regarding this matter. Should you need any further information or documentation from my side, feel free to contact me Thank you for your prompt attention to this matter. 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
Consumer complaint received 2025-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
We purchased a vehicle at a used car shop in XXXX XXXX, NC. The name of the shop at the time was XXXX XXXX. We put down XXXX  for a warranty unfortunately the car only made it 2 weeks. We brought the vehicle back to the dealership and the warranty didn't cover the SUV. Apparently the spark plug broke off into the cylinders. We asked for proof that it was a broken spark plug and they never showed us proof. We were also told that a spark was not part of the motor. Our interest rate was 22.99 % and payments of {$520.00}, we are currently XXXX XXXX and had to leave the vehicle back in NC at the dealership where the dealership torn apart the front end and left stains inside the vehicle. They have also been taking parts of the SUV now. We were unable to keep up and make payments with the amount of interest rate and high monthly payments with them knowing we only had one source of income. Also the Dealership we were buying from was named XXXX XXXX and services, but on the loan paper work it was bought from a company named XXXX XXXX XXXX both were under the same address. We noticed you had a lawsuit with XXXX XXXX and wanted to reach out to you guys for relief before self surrendering the SUV.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion is inaccurately reporting public information on my credit report.

Unauthorized child support reporting is a violation of 15 U.S.Code 1681b and 1681a ( 3 ) ( A ).

The inclusion of child support obligations as a credit account is INACCURATE and a violation of the FAIR CREDIT REPORTING ACT Under 15 U.S.Code 1681b, a consumer reporting agency may only furnish a credit report if there is a permissible purpose. According to 15 U.S.Code 1681a ( 3 ) ( A ), a Credit Transaction must involve an expectation of repayment. CHILD SUPPORT obligations do not meet this standard, as they are court -ordered financial obligations and not credit transactions voluntarily entered into by the consumer. 

In XXXX XXXX Transunion XXXX XXXX, the court had addressed similar issues regarding the improper furnishing of consumer credit information. Reporting child support as a credit account MISREPRESENTS its nature, unfairly impacting my creditworthiness. 
ALL CREDIT REPORTING AGENCIES SHOULD NOT BE REPORTING INACCURATE PUBLIC INFORMATION THAT IS NOT COMPLIANCE WITH FEDERAL LAW ON A CONSUMER 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 non-monetary relief