vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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 am writing to formally submit a complaint regarding the handling of an investigation into inaccurate information on my credit report, which has been open for longer than XXXX  days and remains unresolved. Additionally, the credit reporting agencies continue to report information that is inaccurate and was included without my consent. 

I initiated a dispute on [ XXXX ], and under the Fair Credit Reporting Act ( FCRA ), the investigation should have been completed within 30 days, as outlined in 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). However, to date, the issue has not been resolved, and the inaccurate information continues to appear on my credit report. This delay in addressing the dispute is a violation of my rights under the FCRA. 

Furthermore, the inaccurate information being reported was included without my consent, which is a violation of 15 U.S. Code 1681b ( b ), which governs the permissible purposes for obtaining consumer reports. I have not given authorization to any party to report this information, and its continued presence is damaging my creditworthiness. 

In addition to the above, the credit reporting agency has failed to promptly notify me of the results of the investigation, as required under 15 U.S. Code 1681i ( a ) ( 6 ), and has failed to provide me with written notice of my rights to further dispute the inaccurate information. 

Therefore, I respectfully request that the CFPB intervene to ensure that the credit reporting agencies comply with the FCRA and rectify the situation. Please take the necessary steps to investigate the failure to comply with the 30-day investigation requirement and the continued reporting of inaccurate information without my consent. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

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

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$3.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$5600.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5200.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$6500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX  XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$1700.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, schedule a payment of {$4000.00} to be sent to my XXXX XXXX XXXX XXXX XXXX XXXX, the payment information was set up correctly, I have sent payments using the same information in Bill Pay, the check never made it to the Credit Union, the check was cashed on XX/XX/XXXX, however it was not cashed by XXXX XXXX XXXX XXXX and BOA kept telling that it was, I requested a copy of the check that was cashed, after waiting for over XXXX days never got the check, I had to request proof of payment second time, I still didn't received anything, after speaking with BOA, I was able to get a copy of the check that was sent using Bill pay by fax. When receiving the check, I notice that the check was sent to a different organization, and it was made payable to them, and sent to a different address. After speaking with BOA, on XX/XX/year>, I was told that I needed to wait into they do an investigation, ( XXXX  day ) I requested a temporary credit on my account since it was a mistake that clearly was made by them, and I was told that based on the amount of money that I had on my account I didn't qualify for that because it was clear that I was not on any financial hardship. 

Today I get an email from them that are going to send me paperwork so they can attempt to recover the money. 

I don't understand why I had to wait and go thru all this due to a mistake they did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CA

Complaint narrative:
In XXXX, I entered into a contract for orthodontic services with XXXX XXXX XXXX, agreeing to monthly payments to be completed over a three-year period. The full balance was paid off before the treatment was finished. Tragically, the original orthodontist passed away, leaving my treatment incomplete. A new orthodontist took over the practice but refused to continue my care, removing my braces and advising me to contact my financial institution for a refund. 

I reached out to Capital One and filed a dispute, providing all required documentation. However, my claim was denied on the basis that the charges fell outside of their XXXX dispute policy. This response is deeply frustrating, as my situation is unique and deserving of special consideration. While the amount in question may not be significant to everyone, it represents a life-altering sum to me. I am disappointed by the swift denial and the lack of empathy shown by Capital One. When I requested an appeal, I was informed that this option was not available and theres nothing left to do. 

I firmly believe that something could have been done in my case, but I feel as though I was dismissed and treated as though I hold no value to the company. As a result, I have since closed my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have been having so many problems with this company. I initially received the very first card to my address then it got lost. I tried to do a replacement on XX/XX/XXXX. They charged me {$5.00} for it be here within XXXX to XXXX days never received it I gave it some time. Then I called them let them know it never got there so they asked to verify the address which everything was correct. They asked if I wanted to order another one which I did on XX/XX/XXXX then they told me that I didnt have to pay anything because I never received it the first time theyre gon na apply those fees to the next card, but I looked at my account. They charged me twice a {$15.00} which it shouldve been there within XXXX to XXXX days Never received it. They said maybe you got sent to the wrong address no, everything was correct so they had me get another one on XX/XX/XXXX which they charged me {$10.00} for they told me that I wasnt gon na have to pay anything. The previous fees are gon na be added to this that I will get it in XXXX days Nothing right so on XX/XX/XXXX they said that I should do my own research to figure it out I let them know that its being sent somewhere because I got an email being alerted that someones trying to access my account with an unknown phone source and they said Im sorry about that. Can I order you another XXXX but we need a different address so I sent it to my brothers address on XX/XX/XXXX. They said I was not gon na get charged for anything well they charge me again {$15.00}. They said it shouldve arrived on XX/XX/XXXX to go double check my mail. Well nothing arrived today is now the XXXX still nothing he asked me do you wan na order it again I told him I will call them back because this is just ridiculous. The beginning of XXXX XX/XX/XXXX when I shouldve received it my rent was due on the third. I was already late. I got slapped with a XXXX day pay or quick notice thats where all my funds were. I could not access my account I had to borrow money which is very embarrassing to go and ask people for money from friends because of the situation. I have a family of XXXX XXXX of them being kids, I almost got a lock on my door because I could barely come up with the money because of this. I tried to explain to them the situation, but because I rent Ive been living in this house since XXXX  and they were still gon na put a lock on my door if I did not come up with the money and all the card company could say was oh Im sorry about that. Let me issue another one when they were supposed to Ive never charged me after the first attempt I even requested it to be XXXX  to my door so I could sign for it and they said they can not do that and I have proof that Im gon na provide you of my eviction.

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

Complaint narrative:
I have sent numerous emails and letters disputing inaccurate information on my credit report. 

Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XXXX, we purchased 3 airfare tickets through the Capital One Venture travel site and used partial points. The confirmation email indicated our seat assignments were confirmed and were free/included in the fair we paid. Subsequently, the airline we are flying through removed our seat assignments and capital one has not been helpful in holding their commitment to get our seat assignments corrected as per our co formation notice or refund us/credit us the amount to purchase the same seats through the airline. Further, we were advised by capital one about these changes being allowed per terms and conditions. However, they have not provided such conditions upon request and XXXX XXXX website terms and conditions state refund will be provided if the seats we selected were adjusted. 

We have requested our assignments be rectified by Capital One through their agreement with XXXX XXXX or a refund be made to us for the amount it will now cost us to pay for seat assignments we selected/have in our confirmation email directly with XXXX XXXXXXXX XXXX {$1500.00} ). 

Thanks, XXXX

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I have been receiving numerous phone calls from multiple different phone numbers associated with this debt collector calls have been persistent in nonstop often occurring multiple times a day. The last written correspondence I received from them was a letter dated XX/XX/year> requesting a balance of XXXX this debt has been sold multiple times to different companies, making it difficult to verify legitimacy and original terms. I am requesting that the debt collector provide proper documentation verifying the validity of this debt and that they cease excessive phone calls as they are becoming harassing in nature.

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

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.

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

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.

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

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 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I submitted several complaints with cash App and my XXXX XXXX XXXX. Cash app just closed my account and said I was doing criminal activity!!! I have multiple transactions that I reported to cash app and bank!! XXXX XXXX, XXXX XXXX, and XXXX XXXX are few names I reported and I got a message prompt that those account had already been reported!!!

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

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I been dealing with Equifax and this fraud account for about a year now, I disputed it online and upload docs that include FTC and Police report and DL and everything was great and then I get a updated disputed that its finished and the XXXX XXXXXXXX XXXX account was removed and blocked as of XX/XX/year>, Well it never came off. I called and talked to the office if the consumer affairs and they said yes it was removed and blocked but they forgot to remove it from the trade line. now Im going to loan closing on XX/XX/XXXX and this will cause me to lose my loan and lose my deposit of {$120000.00}. Office of the consumer Affairs said to file a complaint the it was supposed to be removed and blocked and all the notes say it was but the finisher or the back office forgot to remove it from the trade line.

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

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 explanation