vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$980.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$5500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$360.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$550.00} INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-15 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:
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 non-monetary relief
Consumer complaint received 2025-05-15 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: AZ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
For a XXXX XXXX credit card XXXX charge-off account for {$14000.00} I have disputed the multiple inaccuracies several times and have never received a response back from either of the credit bureaus. I have requested that the account be deleted based on the inaccuracies of the account. 

The account was disputed in XX/XX/year> and then XX/XX/year>. 

No response from any of XXXX major credit bureaus. I demand that this account be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MD

Complaint narrative:
For a XXXX XXXX credit card XXXX charge-off account for {$14000.00} I have disputed the multiple inaccuracies several times and have never received a response back from either of the credit bureaus. I have requested that the account be deleted based on the inaccuracies of the account. 

The account was disputed in XX/XX/year> and then XX/XX/year>. 

No response from any of XXXX major credit bureaus. I demand that this account 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 2025-05-15 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: TX

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Experian RE : Trafficking Block Request To whom this may concern : I am a victim of trafficking. The information listed below, which appears on my credit report. Now in result to the trafficking these accounts need to block. 
XXXX XXXX Account XXXX Please block this information from my credit report within the next four ( 4 ) business days, pursuant to Section XXXX of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX XXXX is : Proof of identity Trafficking documentation

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 2025-05-15 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX access through Wells Fargo was restricted without notification. After contacting WF, was a fraud investigation needed to be done and to call back in 10 business days. After calling back, was told no fraud activity was found, however XXXX access was still restricted. WF agent walked me through trying to reset XXXX access but did not work. He suggested trying to contact XXXX. Per XXXXe, WF is a partner bank and all XXXX functionality is done on WF 's end. Multiple calls over XXXX weeks with WF and XXXX going back and forth attempting to get XXXX access re-established, including escalation with 2nd level support agents at both companies. Finally told by WF 2nd level agent that there was no fraud or dispute noted on the account, but that WF considers me in violation of user agreement, XXXX access will not be unrestricted, and there is no appealing the decision. No specific reason given, just vague statement that I am in violation of user agreement. WF has now locked phone number and email addresses so they can't be used through XXXX at any other financial institution, not just WF.

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Subject : Complaint Regarding Request for Fair Settlement and Resolution To Whom It May Concern, I am writing to formally address the ongoing issues I have experienced while attempting to resolve Case. Since my initial contact, I have been transparent about my financial hardship due to undergoing XXXX treatment. Despite these circumstances, I have been met with inflexibility, intimidation, and what I believe to be disrespectful treatment from your representatives. 

Over the course of several communications, I have consistently expressed my willingness to settle my account. Most recently, on XX/XX/year>, I again reached out with the intention of resolving both associated accounts through a lump sum payment, provided that the additional 30 % that was added to the original debt could be removed as part of a mutual agreement. 

During this conversation, the representative told me they would accept the payment and later send a letter indicating full payment had been received. However, I was also informed, rather abruptly and without empathy, that they could not guarantee that any existing judgment would be addressed or reversedeven after payment. The tone and demeanor of the representative were unprofessional and dismissive, despite my efforts to settle the matter in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hi, i am complaining about capital one credit card company has refused to updated my payment history to the credit bureaus .i have a XXXX balance and they haven't reported it at all in XXXX months .Need this to be change to a more favorable paid in full status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-05-15 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
This matter involves five ( 5 ) Certificates of Deposit opened between XX/XX/XXXX and the last one opened on XX/XX/XXXX for various periods of time. All had compounded daily interest. 
After the last CD matured, I utilized a Calculator Site online to calculate the interest due on all of them. Two CD 's were off the Chase Bank interest between {$1.00} and {$3.00}. The others were off between {$260.00} and {$1100.00}. I was careful to utilize the days or months used by Chase as the basis for each calculation. 

On XX/XX/XXXX I met with the Chase Branch Manager at XXXX XXXX XXXX XXXX, XXXX OR XXXX, XXXX XXXX XXXX ( XXXX XXXX ) request that I receive in writing the calculated interest for all the CD 's. XXXX XXXX repeatedly said he was escalating the request, but the request was always going to the same woman who always refused my request based upon bank policy to give me the calculations in writing. When she tried to give me the answers orally, she gave misinformation. She did not even have access to the CD information. Finally, in XXXX I gave up trying. 

The bank is not accountable. At the least the monthly interest calculations should show up on statements. The ability of customers to resolve interest concerns early. All interest concerns need to be resolved quickly and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

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 2025-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have been getting dozens of emails from CapitolOne that credit cards have been getting approved in my name, and emails from CapitolOne telling me that there have been inquiries and changes to my credit report from XXXX  and XXXX. I have not applied for ANY credit cards myself nor have I taken any action for inquiries to be made on my credit reports, so all of this is happening without my knowledge or permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
Dear CFPB I respect you fighting on behalf of the people, but you are not responsive in your on business. I know a lot has gone on with the new administration, but I feel completely ignored by whomever in charge of the Lexington Law and XXXX account. I requested a check to be re-issued for the past XXXX  months. I can not get anyone on the phone.I submitted a check re-issue XXXX  times again today. My check was dated XXXX and I was never able to deposit it in the allowed time. I was in the hospital and when I went to the website it stated I had only XXXX weeks to cash the check I'm have would like my check re-issued because in XXXX weeks I'm moving with my son. I can't work and every bite helps. Could someone at least reach back out or reissued my payment since XXXX. I sent numerous emails on my account you had listed all my information is as follow : check date : XXXX check XXXX : {$280.00} unique ID : XXXX check # : XXXX email : XXXX I'm unable to login to my email above attached to this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive filed multiple claims and they were all denied. My identity and cards were stolen during the pandemic. The company is aware of this but still choose to deny my claims. Ive filed police reports and reported the incidents to credit bureaus and they still deny me. I been trying to get my money back for a few years now. The amount is over {$20000.00}. Bank of America is deliberately keeping me from obtaining my funds. I told them my mailbox was broken into, they didnt care. This company has been a real heartache to deal with and I just want some closure

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ive had a checking account with Capital One for over 2 years. Recently, I disputed a hotel charge because I never stayed at the hotel. When I arrived with my XXXX toddlers, the environment was unsafe, with visible illegal activity, so I informed the hotel staff that I would not be staying and immediately left. I have documentation to prove I never stayed at the hotel. 

Capital One advised me to dispute the charge I followed their guidance and filed the dispute. Instead of helping, Capital One is now closing my account and refusing to clearly explain when or how I will receive the money that is currently in my account. I need that money to move into a new apartment, and Im being left without access to my legally owned funds.

When I call Capital One, their supervisors hang up on me and I have a recording of this behavior. Ive tried multiple times to resolve this with them, but Im being ignored and denied fair treatment. My account is being closed over a legi
timate and documented dispute, and my money is being held without a clear process for return.

Im asking the CFPB to step in and ensure Capital One : 1. Releases my remaining balance immediately 2. Conducts a fair review of my dispute 3. Stops this unfair and punitive action against me for following their own instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: NV

Complaint narrative:
XXXX and XXXX became disrespectful and refused to follow thru to dispute the debt. Repeated kept asking for documentation and stated they will keep contacting to get the debt paid. The website has no information to submit a dispute.

Company response to consumer: Closed with explanation