vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was pre approved for a savour credit card with Capital One Bank. The noted that early spending of {$500.00} in the first 3 months gave {$250.00} rewards cash back to the account. I noticed that this was not being updated on my account after superceding this limit for a few weeks. I decided to give them a call today and was told I was not eligible without a firm reason. My requests for escalations were denied by the supervisor XXXX who said they were only able to send " feedback ''. This was the ONLY reason I opened the account and was not told in documents that I was not approved for this offer in any way. They even had the offer on my application home page. This is fraudulent and my reward should be given. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I reached out to Discover Bank on multiple occasions around the time both hurricanes hit my home in Florida in XXXX. I was assured that I was protected under the disaster recovery program and that a modification would be allowed in XXXX. I spoke to a representative in XXXX to ensure everything was set and there wouldn't be any issues with starting a repayment plan in XXXX. I was ASSURRED that i would have no issue. I never heard back from Discover and decided to call them again in XXXX to just see what the status was and if there was any paperwork I would receive. Again, I was informed not to worry and they were working on. Never heard anything so i called again in XXXX. During this time I went through the entire application process again with the individual on the phone. She informed me that I did not have to worry about making a payment until XXXX. Just a week later I received my credit report and was informed that my payment was reported as 60 plus days past due. I was told none of this would be held against me yet it was. I reached out to customer service via email attached and have never heard anything back. As you can see from the evidence attached the modification finally went through but my credit report remains the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$790.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4700.00} Charged off Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$790.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4700.00} Charged off Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-12 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-12 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-03-12 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-03-12 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-03-12 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: PA

Complaint narrative:
I have submitted for several items that are negatively affecting my score to be validated, because I never had debt with the mentioned parties, and my responses are coming back denied LESS THAN 24 hours later. My disputes are NOT being taken seriously or investigated the way they need to be, and my credit is suffering. 

Bounce AI is a big one, along with a closed account lingering, and a car loan that was offered to be settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: WI

Complaint narrative:
They refused to correct the errors and or delete the errors from the credit report. I called XXXX to find out why I was receiving this collection action for the amount of {$1600.00}. I asked when was this account opened and when the last payment was made. I didn't get anywhere. I disputed this collection several times on XXXX XXXX  and XXXX. The collection gets removed then it appears back on my credit reports. 
This has been causing my credit score to be severely impacted. 
I have proof that I was under another contract with another provider. This collection says I opened this account on XX/XX/year>. The following is what appears on my credit reports : SOURCE RECIEVABLES XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MD

Complaint narrative:
My daughter XXXX XXXX XXXX XX/XX/XXXX from XXXX XXXX XXXXy on a full academic scholarship including housing. However, as of XX/XX/XXXX I started receiving a bill for {$640.00}. After countless phone calls and emails, XXXX XXXX XXXX realized their mistake and fixed it on the universities end. However, it is still showing on my credit report and affecting my score monthly. I have an email proving that what I am sharing is the truth. Please see below an email from XX/XX/XXXX stating that they would contact the credit bureaus, but a year later it is still on my report. 



-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Tue, XX/XX/XXXX at XXXX Subject : Re : *URGENT!! * Bill Concern - Immediate Action Required To : XXXX XXXX XXXX CC : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Financial Aid XXXX, The Office of Residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX there XXXX XXXX, We hope this email finds you well and cool during this heatwave.

We're pleased to inform you that, as of earlier today, a budget transfer has been initiated to resolve your {$640.00} housing bill. XXXX XXXX has confirmed they will take steps to address the negative impact this has had on your credit report. 
Dining Dollars Inquiry and Scholarship Funds : We reviewed our records and found a response from the XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, regarding your inquiry about meal plans ( see attached screenshot ). As noted in previous communications, scholarship recipients are not entitled to receive refunds from their scholarship awards. There are very strict limitations on state-funded scholarships, including the book grant and meal plan/dining dollars you mentioned.

We are committed to resolving these matters and it is our hope that the rest of the process will move forward swiftly. 





Respectfully, XXXX XXXX XXXX XXXX Doctoral Candidate Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX Office

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 2025-03-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute of Inaccurate/Unverifiable Accounts Demand for Permanent Deletion To Whom It May Concern, I am writing to formally dispute the following inaccurate and/or unverifiable accounts listed on my credit report. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and recent legal actions involving Equifax and Experian further highlight their ongoing non-compliance with federal law. 

Disputed Accounts/Inquiries/Late Payments * XXXX - {$3200.00} * XXXX Account - {$6200.00} * XXXXXXXX XXXX Past Due Payment * XXXX  XXXX Past Due Payment * XXXXXXXX XXXX - Inq date XX/XX/XXXX XXXX XXXX XXXX - Inq date XX/XX/XXXX XXXX XXXXXXXX XXXX - Inq date XX/XX/XXXX XXXX XXXX XXXX - Inq date XX/XX/XXXX * XXXXXXXX XXXX - Inq date XX/XX/XXXX * XXXX XXXXXXXX - Inq date XX/XX/XXXX * XXXX XXXX  - Inq date XX/XX/XXXX * XXXX  - Inq date XX/XX/XXXX * XXXX XXXX - XXXX date XX/XX/XXXX According to 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) of the FCRA, if the disputed information can not be verified within five ( 5 ) days when the information is clearly inaccurate or incomplete, you are required to immediately delete it from my credit file. Additionally, as mandated by 15 U.S. Code 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy, and failure to do so results in legal liability.

Furthermore, under 15 U.S. Code 1681s-2 ( b ), data furnishers are required to conduct a proper reinvestigation. If they can not verify the accuracy of the reported information, it must be permanently removed. Failure to comply with these laws constitutes willful noncompliance, making you liable for statutory damages under 15 U.S. Code 1681n.

Given the recent lawsuits against Equifax and Experian, I demand immediate compliance with federal law. If the disputed accounts can not be fully verified with original signed contracts within five ( 5 ) days, they must be permanently deleted from my credit file. Any failure to comply will leave me no choice but to escalate this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action under the FCRA.

Please provide written confirmation that these accounts have been removed. You may send your response to my mailing address above or via email at [ Your Email ].

This letter serves as formal notice under the FCRA. Failure to comply within the required timeframe will result in further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently obtained a copy of my Experian, Equifax, and Transunion Creit report and found multiple inaccuracies on the Auto Loans or Leases with XXXX XXXX XXXX XXXX. Starting with 1. Payment history- Its stated that my original balance {$21000.00}. Starting with XX/XX/XXXX as first balance showing on report as {$20000.00}, then paid {$410.00} in XX/XX/XXXX leaving a balance {$19000.00} missed XX/XX/XXXX and XX/XX/XXXX payment balance is still {$19000.00}. XX/XX/XXXX paid {$410.00} but balance now shows amount of {$22000.00}. Explain how my balance increases {$2800.00} when it should be decreasing to {$19000.00}. 
2. Paid on date : Dates do not match my bank records XXXX. Payment amounts : Amounts do not match my bank statement. Example it shows I made a payment of {$1000.00} on XXXX. XXXX, XXXX when the correct amount was {$1000.00} on XXXX, XXXX 4. Last payment date : is incorrect, last payment I made was XX/XX/XXXX not XX/XX/XXXX. 
5. Multiple monthly payment amounts on a fixed loan : XXXX XXXX XXXX Payment amount {$410.00}, XXXX XXXX XX/XX/XXXX payment amounts {$670.00}. 6. Account being reported as CO for the past 7 months further extending my statute of limitations 8. Was not notified of Reposesion 9. Wasnt notified to get personal items 10. Wasnt notified of auctioning off of car 11.wasnt notified of debt owed

Company response to consumer: Closed with non-monetary relief