vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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:
Transunion, equifax, and Transunion are reporting inaccurate information on my credit profile. Attached is the documents I sent to them.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
My loan was transferred to Aidvantage without notice I was never informed of payment being due Aidvantage reported a XXXX late payment unfairly I am disputing this with all three credit bureaus As a matter of fact, when I was alerted that I had the XXXX  days late on my account, it took hours for me digging to find out who even had the account because it was transferred so much and no one notified me of who ended up with my account and I still wouldnt know today if I didnt start digging because of the XXXX  day late being reported to my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the regulations governing the collection, sharing, and use of consumer credit information are not upheld. Under the FCRA, consumer reporting agencies ( CRAs ) are required to take reasonable steps to ensure the accuracy of information in credit reports. If a consumer experiences financial harm due to an FCRA violation, they have the right to pursue legal action against the CRA for actual damages, statutory damages, and attorneys fees. The accounts mentioned in my letter contain inaccuracies, and I am requesting a comprehensive investigation to address and correct these issues.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX Capital One SUPERVISORS have tried that approach numerous times to no avail. They gave a number to call that is not valid. I'd be happy if they call me at XXXX XXXX XXXX \nMy account has email addresses there presently and has been there from the beginning. I tried changing it to something would change but to no avail.\n\nPlease have them call me and I'll be happy to troubleshoot with them. \n\nThanks"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Found information on credit bureau report. Filled dispute through the credit bureau. Acct name is LVNV Funding or Resurgent LVNV Base out of Carolina. Around that time, my identity has got stolen. Found my name on the black web along w/other information. My home depot card was used. My XXXX XXXX card was use and somebody try to get a phone in my name through XXXX. Which they caught. Also, try to dispute late charges on my XXXX XXXX XXXX  and XXXX XXXX XXXX. Because somebody used my cards. And look like with all my information found on the black web people are scamming my emails. Other info popped up on this account.

Believe it might be a credit card account because it states XXXXXXXX XXXX XXXX XXXX, which that account should have been closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

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 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 2025-04-17 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: NY

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 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 2025-04-17 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:
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 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 2025-04-17 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:
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 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 2025-04-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
So I purchased gas in Pennsylvania for XXXX, and I was charged XXXX. And then the statement says pay XXXX? And when I click to pay, it has {$35.00}. I was told that this was because I bought gas in a different state from where I applied, but I live in Pennsylvania, and then he said it was because the BP might not participate in the program. I am so confused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

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 explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I received a statement on XX/XX/XXXX indicating I had a payment due on XX/XX/XXXX in the amount of {$590.00}. My statement received on XX/XX/XXXX indicated I had a payment due of {$3400.00}. The statement indicated the payments were past due ; however, I never received anything indicating past due payments. The statements usually indicated a lesser amount with the payment due two or more months in the future so I occasionally did not pay because the statements indicated nothing was due at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  # XXXX XX/XX/XXXX -- {$440.00} XXXX  # XXXX XX/XX/XXXX -- {$770.00} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$15000.00} Unknown # XXXX XX/XX/XXXX -- {$170.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax for its failure to remove an unauthorized inquiry reported by XXXX XXXX XXXX XXXXXX/XX/year>. I did not apply for credit with this company, nor did I authorize any credit pull. The creditor confirmed there is no signed document or permissible purpose for this inquiry. 

I submitted a formal dispute under the FCRA, but Equifax did not provide proper documentation to validate this inquiry, nor did it confirm manual verification. This constitutes a violation of multiple FCRA sections : 15 U.S.C. 1681b Lack of permissible purpose.

15 U.S.C. 1681i ( a ) ( 5 ) Failure to remove unverifiable data.

15 U.S.C. 1681i ( a ) ( 7 ) No method of verification disclosed.

15 U.S.C. 1681g ( a ) ( 1 ) ( A ) No full disclosure of source documentation.

15 U.S.C. 1681s-2 ( a ) Failure of furnishers to ensure accuracy.

15 U.S.C. 1681c-1 Protective measures for potential identity theft ignored. 

I referenced CFPB Supervisory Highlights and judicial rulings ( XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX that demonstrate Equifaxs obligation to conduct meaningful, manual reinvestigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I Cashapp a friend {$1000.00} around XXXX of XXXX, my friend no longer needed the money and send a refund for the {$1000.00} back to me. Ive reach out to Cashapp at least XXXX  times to tell them I havent either seen the credit or the {$1000.00} drop off of my XXXX account. They told me if I dont see nothing, have XXXX  open a claim which.i did, XXXX told me there is nothing they can do because they are just the reciever of the money and nothing is fraudulent. Each people at Cashapp via email or chat tell me the money was refunded but it hasn't. Please assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was pre approved for a credit card and submitted application with all needed info. Including the fact that I am self employed and receive most of my income in cash. The only checking account I have is through capital one .. the same account they allowed to be scammed and I got a sorry its your fault in return .. needless to say I do not feel my money is safe or protected with capital one so the hardest balance Ive had over the last 6 months is maybe XXXX dollars.. I do not use that checking account. These documents were provided at the beginning of my application process. After using the card, it becomes restricted citing the reason as I needed to provide bank statements. Ive uploaded them twice. Account still restricted. Not sure if English isnt the first language at capital one, but after talking to 3 different reps I realized the disconnect was them constantly asking for BANK STATEMENTS instead of PROOF OF INCOME so weve been doing the same song and dance every time I call getting nowhere. Theres nothing on my bank statement as I do not use that account due to being scammed. Again this was expressed in the beginning as well as I am very vocal and reminding capital one that they allowed a purchase for goods never received and refused to reimburse me. So now Im told I wont be able to use the account again ever. Because of their lack in diligence per usual, they expect the customer to take the fallout while they again walk away unscathed. Once again, I didnt do anything wrong but think that capital one is a honest company being a XXXX dollar corporation, and again, they showed me that they are not. Oh and in addition to that, because my account is restricted I dont have access to any rewards earned. Only access to make payments. So they are able to receive money from me but I am not able to access rewards achieved through purchases. Ridiculous is an understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 noticed items on my credit report that did not belong to me. This is effecting my credit worthiness. Please remove.

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 2025-04-17 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-17 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I spoke to Merchant they said that they have my original information and thry would collaborate with Bank of america and send them transaction history plus police report which i did yesterday and today I had to go the Hospital becase this situation I getting out of hands seeing my account been overdraft over and over with a total {$5800.00} I contacted this merchant numerous time and they tell me same thing and Bank of america said yesterday when I called that I had previous business with them and stop on XXXX which I never had business with merchant. I'm pursuing LEGAL matter i already talking to a lawyer i have been sending Police report I vene send a writing letter explaining the situation and never had business XXXX merchant I have proof conversation that says to send my bank Police report to they retrieve my credit

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 2025-04-17 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation