vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
On reviewing my credit reports, I noticed that Experian is reporting a charge-off account that is inaccurate and improperly furnished. I have submitted previous disputes regarding this matter and included supporting documentation, including a formal Identity Theft Report and requests for debt validation.

Specifically, this account is being reported as both a charge-off and in collection, which constitutes a reporting contradiction. Under IRS and FCRA guidelines, a charged-off account is considered canceled debt, and if the creditor has written off the debt, a Form 1099-C should be issued. However, I have not received this form, and there has been no proper debt validation or verification provided despite multiple requests.

This constitutes a failure to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s2 and 1681e ( b ), which mandates maximum possible accuracy and prohibits reporting unverifiable information. Continuing to report a canceled debt as collectible is misleading, harmful to my credit profile, and may constitute tax fraud if a 1099-C was issued but not disclosed.

Therefore, I request the company : Provide full validation of the alleged debt including the original signed agreement ; Confirm if a 1099-C was issued and provide a copy ; Delete this account from my credit report as it is inaccurately and inconsistently reported.

This dispute is filed in good faith, and I expect a full resolution in compliance with federal laws.

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 2025-05-19 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: VA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$57000.00} 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

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> sent dispute by registered return receipt requesting to update my personal address and legal name. Which both are wrong.

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 2025-05-18 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX SSN XXXX I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 US.C. 
1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED AND FRAUDULENT INQUIERES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXXXXXX As required by 15 US.C 1681c-2 , please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the burediu reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/year> To : CAPITAL ONE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX Re : Hardship Request Dear, I am writing in regard to the above-referenced account, which I understand has been placed in collections. I would like to explain my current financial and personal situation and respectfully request consideration for relief due to significant and ongoing hardship. 

Over the past several months, I have experienced severe financial difficulty due to the loss of my job. In addition, I have become the primary caregiver for a loved one suffering from XXXX, which has further impacted my ability to seek employment and manage financial obligations. This unexpected and emotionally demanding responsibility has created overwhelming strainboth financially and personally. 

At this time, I am not in a position to make payments on this account. I am requesting one or more of the following, depending on what you may be able to offer : A temporary suspension of collection activity Reduction in the amount owed or a settlement offer Forgiveness or discharge of the debt Assistance in setting up a hardship or low-payment plan Please note that this situation is not due to willful neglect or refusal to pay but is the result of circumstances beyond my control. If needed, I am happy to provide documentation supporting my hardship and caretaking responsibilities. 

I kindly ask for your understanding and compassion during this time and would greatly appreciate any options you can provide to help me resolve this matter in a way that acknowledges my current limitations. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
Account XXXX XXXX XXXXXXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account number XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item Thanks

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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this item Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Bank of America XXXX. XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Credit Reporting Account # XXXX To Whom It May Concern, I am writing to formally dispute the reporting of account number XXXX on my credit file. I am listed as an authorized user on this account, not the primary account holder. Under the Fair Credit Reporting Act ( FCRA ), it is a violation to report derogatory information about a debt for which I am not legally responsible. 

As an authorized user, I have no contractual obligation to repay this debt. The primary cardholder bears full financial responsibility for the account. Therefore, reporting this accountparticularly if it contains any negative informationon my credit report is inaccurate and misleading, and violates Section 607 ( b ) of the FCRA, which requires furnishers of information to ensure maximum possible accuracy. 

I request that Bank of America immediately cease reporting this account under my name to all consumer reporting agencies ( Experian, Equifax, and TransUnion ). Additionally, please provide written confirmation that this account has been removed from my credit report. 

Please consider this letter a formal dispute and request for investigation under the FCRA. I expect your prompt response and resolution of this matter within the timeframe required by federal law. 

Thank you for your 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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item Thanks

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 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

Account 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 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 UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Date opened XX/XX/year> XXXX {$2800.00} This account was opened without my consent, I was XXXX at the time it was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/year>, Empower ( XXXX XXXX XXXX XXXX XXXXXXXX ) sent Banco Popular an ACH transfer in the amount of {$29000.00} ( ACH/EFT Confirmation Letter : XX/XX/year>, XXXX ). This was money from my retirement plan settlement, which I had already received within the past 5 years. The transaction Banco Popular claims to have received was on XX/XX/year>, for {$23000.00}. On XX/XX/XXXX, I contacted the bank to request a detailed investigation ( XXXX ) of the transactions. The bank had no documentation or details regarding the missing {$6000.00} from the original transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Date : XXXX XXXX, 2025 Amount : {$890.00} Actions : I tried to call the Chime customer service representatives and spoke with more than 50 people to resolve this issue. 

An unauthorised transaction has made to my account of amount {$890.00} and they are refusing to claim the money which I have lost. 

I need to pay my college tuition and lost my money because of Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
Have chime inform XXXX XXXX and The XXXX XXXX XXXXhat if i dont get refund legal actions will take place. I want my {$180.00} refunded. I've submitted necessary documents and requested documents from chime but never received. I'm filing this complaint against chime and stride bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TN

Complaint narrative:
I am filing this complaint to formally dispute several unauthorized credit inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681b ( f ), a credit reporting agency may not furnish a consumer report to any person or entity without a permissible purpose as defined by federal law.

After reviewing my credit reports, I identified one or more inquiries that I did not authorize, initiate, or give any written or verbal consent for. These inquiries are negatively impacting my credit score and do not reflect any legitimate transaction or application initiated by me. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure that these inquiries are either : 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 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 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business Processing Solutions, LLC
State: IL

Complaint narrative:
I received a letter on Sunday, XX/XX/year> from the PAM ( Professional Account Management , LLC. The lettter was sent on XX/XX/year> and was a " Notice of assignment to collection Agency '' informing me that I owed them {$290.00} as they are a retained company by the XXXX  tollway, saying that I have XXXX days to dispute this debt or they shall assume this debt to be valid. HOWEVER upon further research, it appears according to the XXXX website that Professional Account Management , LLC is not licensed or registered as a " debt collection agency '' " debt collector '' in the state of XXXX  and have attempted to collect debt from me, an XXXX resident.

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 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I purchased approximately {$2000.00} worth of XXXX through the Cash App platform. Later that same day, a {$1900.00} withdrawal occurredwithout my authorization. I was medically incapacitated at the time and did not initiate or approve this transaction. 

My XXXX bank account was debited for {$1500.00} on XX/XX/XXXX via two transactions used to fund this crypto purchase. The remaining amount appears to have come from my Cash App balance or a previously added transfer. I have attached the XXXX statement as supporting evidence. 

I contacted Cash App support, provided documentation, and asked for escalation to Tier 2 and legal review. I was met with dismissive or automated replies, and no formal fraud investigation was initiated. The platform failed to safeguard my funds, block the suspicious transaction, or provide a clear resolution. This is a serious breach of financial security and customer care.

Company response to consumer: Closed with explanation