vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am formally disputing the reporting of XXXX late payments appearing on my Experian credit file associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both accounts are currently reporting a Past Due balance of {$0.00}, yet Experian continues to reflect these as delinquent. This is an illogical contradiction, as an account with a zero-dollar past due balance should not be flagged as currently late or past due in any capacity. This inconsistency directly violates the accuracy and completeness requirements outlined in 15 U.S. Code 1681e ( b ), which mandates Experian to maintain reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports. Furthermore, the continued inclusion of inaccurate late payment informationdespite these accounts being fully paid or brought currentsuggests either gross negligence or a serious breakdown in Experian 's internal data management and verification protocols. 

Additionally, under 15 U.S. Code 1666b, creditors are required to provide a reasonable amount of time before treating payments as late. If there were any payment delays, they should have been substantiated with supporting documentation and Experian should have conducted a thorough reinvestigation prior to posting any derogatory marks. Instead, this seems like an automatic, unchecked reporting errorsomething that should not happen in a system that affects consumers financial lives so heavily. This mishandling may also be the result of a broader issue stemming from a data breach or data processing error, which would explain how erroneous derogatory data is being attached to accounts with no past due balance. I have never authorized the reporting of unverifiable or misleading data, and yet I am being held financially responsible for exactly that. This is unacceptable.

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 2025-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is regarding my complaint # XXXX. 

It has been more than 30 days since this was sent to the company and credit reporting company. I have not heard from anyone regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I was called by a Scammer who had cloned the Bank of America 's phone number. I thought it was related to my debit card being hacked which happened a few weeks prior on XX/XX/XXXX. The Scammer knew my personal banking information and basically tricked me into thinking I was filing a dispute against a wire transfer, but I was tricked into doing a wire transfer for {$19000.00}. During this time, Bank of America did call me, but the number came up as a spam phone number. This gave the Scam caller more opportunity to take advantage of the situation. The bank never again attempted to contact me to make sure this was supposed to happen. I was nervous with what happened, and I called the bank that evening to make sure my money wasn't being transferred. The agent told me no the fraud department caught this, and yes, the phone call was us. She also told me the fraud office was closed which was incorrect, the department that processes was closed not the fraud department itself. I called the bank again on XX/XX/XXXX, and that's when it was discovered I was tricked by a scammer, so the bank started the search for my money. The bank attempted to get the funds back from XXXX XXXX but failed, and said fraud and scams are different. They gave me a PDF for recognizing fraud and said there's nothing else we're doing. Bank of America is acting like none of their mistakes aided this person in scamming me and getting away with the money.

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 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had transferred funds using ACH on XXXX XXXX for a payment to a vendor who has an account with XXXX XXXX from my Bank of America Business Account. Bank of America Claims kept saying that they have not received the funds from XXXX The transaction was rejected by XXXX o the XXXX XXXX and as XXXX confirms that they have returned the money to Bank of America on XXXX XXXX I have not received the refund into my Bank of America account yet The trace number is XXXX I have followed up multiple times with Bank of America and was informed by Bank of America that XXXX XXXX has not sent the amount back to Bank of America even though it is over a week since the transaction has been rejected. 
I raised a CFPB complaint on XXXX XXXX CFPB complaint number XXXX. They confirmed that the money has already been sent back to Bank of America. So the money is sitting with Bank of America for the past XXXX weeks and they are not returning it to my business account. 
The online claims in Bank of America doesn't have updated information or status

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 2025-05-02 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: NV

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-02 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: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I was scammed by a merchant called XXXX XXXX who sold me a {$3100.00} rXXXX XXXX XXXX XXXX through Affirm on XX/XX/year>. I was promised : That it was XXXX XXXX XXXX A lifetime warrantyguaranteeing full replacement at any time That it would relieve XXXX XXXX and could be returned if ineffective I submitted the XXXX XXXX the next day, then found that the confirmation email vanished from my inbox. The XXXX XXXX after only XXXX months, and when I contacted the merchant, they refused support and denied the existence of the warranty. 

I later discovered many other customers reported the same scam from this merchantaggressive sales tactics, fake warranties, and unreachable support. This is a clear case of fraudulent misrepresentation. 

I contacted Affirm multiple times and provided screenshots and details. I asked them to escalate the case as fraud, not as a return. They instead labeled the dispute as product unacceptable, which allowed them to deny the claim based on merchant policy. They are now demanding {$5200.00} total with 35.98 % interest on a fraudulent loan for a defective product. 

Affirm has not paused collections or removed the loan, even though the merchant can not be reached and has engaged in fraud. This company is enabling predatory lending and ignoring consumer protection responsibilities. 

I am requesting : Cancellation of this fraudulent loan Stopping all collections and credit reporting Formal investigation into Affirms partnership with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MA

Complaint narrative:
I am filing this complaint because Experian continues to report inaccurate and unverifiable information for the account listed as : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off {$4800.00} written off and still listed as past due as of XX/XX/XXXX I previously disputed this account on multiple occasions, including most recently on XX/XX/XXXX. However, Experian has failed to provide a proper Method of Verification ( MOV ) as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act. They simply state the item was verified by the data furnisher without supplying any documentation or evidence supporting this verification. 

Furthermore, this account contains XXXX XXXX compliance violations, including the simultaneous reporting of a charge-off and a current past due status. Per XXXX XXXX standards and XXXX guidelines, a charged-off account can not also report a current past due balance this is factually inaccurate and misleading. 

Ive pointed this out to Experian, and despite being aware of these errors, they continue to report this damaging information, which is affecting my ability to obtain housing and financing. This failure to conduct a reasonable investigation and to correct or delete inaccurate information is a direct violation of 15 U.S.C. 1681i ( a ).

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Date, XXXX XXXX Amount : {$430.00} First I sent a Debt Validation Letter to dispute the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Credit Acceptance changed the balance on my auto loan account they claim I owe after a repossession that I do not have knowledge of, while I had an open legal complaint and active dispute. They never provided verification or documentation explaining the change. 

XXXX XXXX is reporting XXXX and XX/XX/year> as Derogatory months on my credit report, even though they said the vehicle would be sold after XXXX, they claim the vehicle was sold in XX/XX/year>. Reporting a default or deficiency status before the vehicle was soldand before the balance was even finalizedis both false and misleading. 

This is happening while my dispute is still active with the courts. These actions are damaging my credit and appear retaliatory or deceptive in nature. 

They also failed to offer an explanation of altering the balance they reported to the credit bureaus after that balance was verified as accurate when I requested it. I believe they are misreporting and failing to follow the Fair Credit Reporting Act ( FCRA ), and I request a full investigation.

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 2025-05-02 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-03 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: PA

Complaint narrative:
b'I am submitting this complaint to Experian regarding inaccurate information reported on my credit file that has not been validated, confirmed as accurate, or physically verified.\n\nI have noticed potentially incorrect and highly questionable entries on my credit report that have not been properly verified. As a consumer, I am entitled to request the removal of these entries immediately, in accordance with my federal and state consumer rights. This complaint also serves as a check to ensure that the items you report are in compliance with XXXX Title 1, Section 151, which outlines the proper proceduresXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX date open XX/XX/XXXX Account Number : XXXX * * reporting 30 days past due and I have paid on time no notice was sent by email nor by phone. Under the TILA I am asking this account be investigated properly XXXX XXXX XXXX. date opened XX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * this is a charge off and is stilll reporting a balance, no 1099 c was sent to me balance she be XXXX. 

XXXX XXXX. Date opened XX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * XXXX XXXX Date opened XX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * *. a 30 day late payment is being reported only by transition that is incorrect and needs to be updated within 30 days of this letter

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I called to get my credit unlocked and i cant apply for anything because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-05-02 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: MA

Complaint narrative:
Car was totaled in XXXX XXXXXXXX covered over XXXX XXXX XXXX insurance purchased on loan contract covers the remaining balance on car loan. XXXX XXXX continues to try to collect on a debt not owed by me but is owed by XXXX XXXX insurance

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Ncb got XXXX loans out for XXXX that I never did and is a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate personal information reported by XXXX or more consumer reporting agencies. An address that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX is being reported on my credit file. 
On XX/XX/2025, I submitted a formal dispute and address update request to all three credit bureaus : Equifax, Experian, and TransUnion. I provided proof of identity and requested removal of the incorrect address and replacement with my accurate and current address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 
Under FCRA 611, the agencies are required to conduct a reasonable reinvestigation within XXXX days. I have attached copies of my dispute letters and identification. If the inaccurate address is not removed, it can lead to potential misrepresentation of my credit profile and may affect credit decisions.

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 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violates consumer Financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent fraud all their platform leaving my account vulnerable and unprotected furthermore, the dispute process was Unfair and deceptive as they not comply with error resolution requirements under the electric fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and hard financial loss. I seek appropriate redress for these violations

Company response to consumer: Closed with explanation