vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
The debt collector TSI is trying to collect on a debt that did not have interest fees agreed too. In addition, they are using tactics such as to use my tax refund to pay, and saying that other people can see review my debt in my email. 

The amount owed is {$85.00}. The company is trying to charge {$210.00}. In addition, they gave payment arrangements and said that the last payment will be more given charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
I am filing a complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) and unauthorized actions taken on my credit file. Equifax has unlawfully reinserted a fraudulent account and failed to remove a promotional block on my credit file that was added without my consentall in blatant disregard of federal law. 

Fraudulent Account Reinserted in Violation of FCRA Creditor : XXXX XXXX Account Number : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Date Reinserted : XX/XX/XXXX I initially disputed this fraudulent account under FCRA 605B ( 15 U.S.C. 1681c-2 ), submitting all required proof of identity theft, including : FTC Identity Theft Report # : XXXX Official police report from the XXXX Police Department Despite this legally sufficient evidence, Equifax refused to block the fraudulent account, directly violating FCRA 605B. 

I previously filed a CFPB complaint on XX/XX/XXXX, regarding this issue. Equifax responded on XX/XX/XXXX, confirming the fraudulent XXXX XXXX account had been removed. Yet, just two months later, on XX/XX/XXXX, Equifax illegally reinserted the account, proving a pattern of deception and noncompliance. 

Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) : Prohibits the reinsertion of previously deleted information unless the furnisher provides certified accuracywhich Equifax failed to obtain. 

Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) : Requires Equifax to notify me within five business days of reinserting any information. Equifax failed to notify me, making this an illegal reinsertion. 

Unauthorized Placement of a Promotional Block on My Credit File : Equifax placed a promotional block on my file without my consent, which is unauthorized and illegal under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I pulled my credit report and discovered an unfamiliar account from Online Information Services Account Number XXXX. As per the FCRA and FDCPA I exercised my right to dispute the unverified account. I sent my first notice titled debt validation request 1 on XX/XX/XXXX via certified mail and return receipt. Debt Validation request was very specific on documents needed to accurately validate the debt. Documents attached shows in full detail of what was requested and proof of delivery confirmed with a wet ink signature on XXXX XXXX. Said company either didn't respond or responded partially with documents that appears to be MADE UP, UNAUTHENTICATED and UNVERIFIABLE. I followed up with a Notice of Opportunity to Cure sent XX/XX/XXXX via certified mail and return receipt, notice was delivered and received with wet ink signature on XX/XX/XXXX attached with the Opportunity to Cure, was another copy of Debt Validation Request just incase the first request was misplaced and ensuring that Online Information Services made a full response by sworn affidavit as requested in Debt Validation Request. ( documents attached ) As it had now been 30 days and no full validation of debt, by sworn affidavit providing point by point response was received, I sent a Notice of Default and Final statement along with additional copies of Debt Validation Request and Opportunity to Cure via certified mail and return receipt on XX/XX/XXXX. Documents were delivered and received by wet ink signature on XX/XX/XXXX .All documents sent and mailing receipts are attached. Company has failed to validate debt within the 30 day period and continues to report disputed debt with credit bureaus.A FTC Identity Theft Affidavit has been submitted and is attached. Company has demonstrated several violations as per the FCRA and FDCPA. I am asking for immediate attention regarding this matter as the unverified debt is a result of fraud that has caused serious harm to myself and has affected potential credit opportunities. XXXX XXXX " If your brother sins against you, go and tell him his fault, between you and him alone. '' XXXX " If he does not listen, take XXXX or XXXX others along. '' XXXX " If he refuses to listen to them, tell it to the church. '' I pray everything is done in good faith. Failure to settle this matter I will be forced to file suit and seek remedy in a court of law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a large balance on my credit card, {$20000.00} + but I paid it in full on XX/XX/year> prior to the end of my billing cycle but I was still charged {$230.00} in interest. Copy of my currect statement is attached showing payment dates and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
The Creditors Of My Accounts Reported Flaws Information about my credit report, Address Errors and Documentation Issues and Reported Inaccuracies To My Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
I am filing this complaint due to multiple unauthorized inquiries on my credit reports that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated efforts to have them removed, the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my credit score. 
This is completely unacceptable, and these inquiries are in no way a result of any action Ive taken XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024

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 2025-02-25 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: LA

Complaint narrative:
XX/XX/year> XXXX I received a notification on my XXXX XXXX account that XXXX XXXX is reporting on my credit the account as a repossession when they do not have possession of the vehicle, that is illegal to be reporting inaccurate information to the bureaus. In that matter I am not responsible for any debt for this company. I need them to show proof of my signatures stating that the vehicle has been repossessed. They are now committing identity fraud and violating my rights by knowingly furnishing information on my credit report that they weren't prvivied to. I do not owe XXXX XXXX anything. They have also put a block on my license which is also illegal.

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 2025-02-25 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: The CBE Group, Inc.
State: OH

Complaint narrative:
This company The CBE Group XXXX XXXX is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists In accordance with the fair credit reporting act ( company ) has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 2 : it also states a consumer reporting agency can not CAN NOT furnish my account without my written permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-25 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: GA

Complaint narrative:
My credit report is showing fraudulent accounts on it, that have already disputed and had removed from my credit report, since the accounts have returned I have disputed the accounts again and this credit bureau continue to let the fraudulent accounts and information remain on my credit report. 

These accounts have returned on my credit report with fraudulent address and a different company name, and this credit bureau is allowing it to remain. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also Experian is refuse to remove from my credit report fraudulent address 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 2025-02-25 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:
Experian has filed 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 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 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 2025-02-25 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. After reviewing my report, I have identified an account and a hard inquiry that I believe contain errors. I request an immediate investigation and correction of the following : Disputed Account : XXXX  XXXX  XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$3000.00} Experian Hard Inquiry to Be Removed : XXXX. XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of consumer reports. If this account and inquiry can not be verified as accurate, I respectfully request their removal from my credit 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 2025-02-25 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-02-25 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I had ordered XXXX from XXXX I have not received anything by since then when provided photos of delivery when I have video proof of ups not handling delivery right, I begged XXXX XXXX to please make hand signature verification and was told no even doe it is a high amount of amount and I even begged her to plesss have package dispursed in a secure location I was only ignored and this leads me now in debt I will file a small claims court order this is beyond ruckus I hate XXXX and will never order from this horrible website the worst support in the world, not one person responds after 6 hours of incompatible ignorant workers

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Formal Dispute of Unauthorized Accounts and Transactions To the Consumer Financial Protection Bureau, I am submitting this formal complaint regarding unauthorized credit card and other transactions that have appeared on my credit report. I have no knowledge of these accounts or transactions and have been disputing them for years, yet they remain unresolved on my report. 

Despite my repeated efforts to correct this issue, the disputed items have not been removed. I am requesting a thorough investigation and immediate action to rectify these inaccuracies. This situation has negatively impacted my financial standing, and I seek a resolution as soon as possible. 

Please advise on the next steps and provide an update on the progress of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-02-25 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:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-02-25 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 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