vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I am submitting a complaint to dispute this unauthorized inquiry reporting on my credit file ; 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 2025-05-14 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NM

Complaint narrative:
{$520.00} which includes an ATM fee of {$3.00} charged by the ATM operator was withdrawn from our ( my wife and I ) checking account on XX/XX/year>. I noticed the withdrawal a couple days after and submitted a fraud report. My debit card was turned off and I changed my PIN for the account. I was denied by XXXX after a couple days and a reason was not listed. I called the company after returning from our vacation and was told that " no error was detected ''. I asked the representative what that meant and they either could not or would not tell me what that means. On the same call, I requested the documents they used to investigate the fraud report on XX/XX/XXXX and was told I would receive the information in XXXX business days. I followed up today ( XX/XX/XXXX ) and I have yet to receive any additional information. I was told that the back office was slow sometimes. This charge is not something that I authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: DC

Complaint narrative:
I've recently received a copy of my credit report, and I noticed several inaccuracies and unauthorized account information reported to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
National grid was notified that we were moving and inspector was to take final metor reading.our address was XXXX XXXXXXXX XXXXe. And inspector went to XXXX. XXXX XXXX. I saw him and he said. His instructions were XXXX. 10 days after we moved they read meter. Gas & electric continued to run. I filed dispute And they did XXXX. This was never resolved, however XXXXXXXX XXXX XXXX XXXX, XXXX NY. Reported negative to all XXXX credit agencies. I never agreed to pay for their blatant mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The bank ( Wells Fargo ) stole XXXX dollars from my account. A XXXX XXXX that i bought on XXXX they took the money out of the ticket ( XXXX XXXX ) they put it in my account as a temporary credit in XXXX and I called them telling them that they made a mistake. That i bought my ticket with XXXX and I will use it. The ticket was for XXXX. Do they took the XXXX dollars out of my account ( i thought they put the money back in the ticket! But when i showed up in the airport last XXXX they airline show me that they saw that i bought a ticket on XXXX but Wells Fargo took it from XXXX somewhere between XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) so i didnt have a ticket I tired to called the bank they just didnt XXXX na help. I end up buying a ticket that same ticket ( a second ticket ) fro XXXX dollars now the bank is saying that XXXX XXXX has the money and XXXX is saying that the bank has the money. Please help me it really seems that is the bank they are trying to confuse me and XXXX XXXX na help they dont say anything

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 2025-05-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma, LLC
State: NM

Complaint narrative:
I am being denied access to my Credit Karma account, which contains personal and financial data. I no longer have access to the phone number associated with my account, and the company only allows identity verification through XXXX service that is not compatible with any of my current devices. 

Despite multiple support requests, Credit Karma has refused to offer an alternative method for identity verification. As a result, I am unable to access or manage my own financial data. I believe this is a violation of my rights under the Fair Credit Reporting Act and request the CFPB to investigate and intervene to ensure I am granted access to my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: PA

Complaint narrative:
Capital one bank this account have been delinquent for 7 years now and still is showing on my credit report and still is showing incorrect as well the first date of delinquency was in XXXX of XXXX and on credit report it is showing first date of delinquency XX/XX/XXXX which is incorrect cause the account was closed XX/XX/XXXX and the account have been delinquent for a 1 year and about 4 months prior to the account being closed and reported delinquent Also my last payment date and account closed date can not be the same when the account was already delinquent a year prior to what the close date and last payment was

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I enrolled in a hardship program after losing my job in XXXX. In XXXX, I made a payment because I was already 30 days late on my XXXX bill with COMENITYCB/MYPLACERWDS. I was told that by signing up for the program, my account would be brought current, my monthly payments would be reduced, and the account would be closedas long as I continued to make the agreed monthly payments. 

I understood that the initial 30-day late payment might slightly impact my credit score, and I was prepared for that. However, my credit score dropped by over 90 points, which was far more than I expected. Concerned, I reviewed my credit report to see how I could improve my score and considered sending a goodwill letter since I had been making payments on time.

To my surprise, I found that two additional 30-day late paymentsfor XXXX and XXXX been XXXX. I immediately contacted customer service, and they confirmed that there were no records of late payments for those months. I informed them that my credit report clearly showed those late payments, but despite numerous calls and repeated disconnections, I couldn't get the issue resolved. I finally gave up after multiple attempts. However, I do have voice recordings of representatives stating there were no late payments in XXXX or XXXX. For this to be resolved, I would like to have these late payments removed for XXXX and XXXX, but as a good-faith and goodwill gesture, I would like XXXX to be removed as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Dear Capital one/Reporting agency. 

I am writing to formally report an ongoing issue with Capital One regarding inaccurate credit reporting and restrictive account practices that have adversely affected my credit score and financial standing. 

Since XX/XX/year>, I have fully paid off my Capital One credit card account. Despite this, Capital One continues to report the account as delinquent and maxed out to credit bureaus, which is both inaccurate and damaging to my credit score. I have contacted Capital Ones customer service team multiple times to resolve this matter, but the issue remains unresolved. 
Capital One has informed me that my account is restricted and requires additional verification, specifically requesting bank information. 

However, my financial institution has advised that providing the requested information is unnecessary and potentially unsafe, as they are unclear about Capital Ones justification for this request. This lack of clarity and cooperation has prevented me from resolving the issue. 

Furthermore, Capital One has restricted access to all my credit cards with the company, rendering them unusable, despite promptly withdrawing payments from my bank account for these cards. This contradictory practicecollecting payments while denying account access and failing to correct erroneous credit reportingis both frustrating and financially harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Under the FDCPA and FCRA, verification is not just a name XXXX  is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-14 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-14 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Im writing regarding an account currently listed on my credit report. Im asking that you certify, in full, that every piece of information tied to this account actually belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct # XXXX Columbia debt Recovery 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 Treatment of inaccurate or unverifiable information ( A ) in general, after my reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item 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 Please delete the accounts XXXX Columbia debt Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : FORMAL DISPUTE UNDER FCRA INACCURATE REPORTING OF LATE PAYMENT Creditor : XXXX XXXX XXXX : XXXX Dear TransUnion Dispute Department XXXX XXXX am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681XXXX, to formally dispute a materially inaccurate and harmful derogatory item on my credit file concerning a late payment allegedly reported by XXXX XXXX XX/XX/XXXX. 
According to my TransUnion credit report, the above-referenced account shows a XXXX late payment in XX/XX/XXXX. I dispute the accuracy and validity of this information and assert that it is factually incorrect and lacking proper substantiation by the data furnisher. 
In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I hereby request that TransUnion immediately initiate a full reinvestigation into this disputed entry. I further demand that you obtain and provide all supporting documentation and evidence used by Pathward/Oportun to report the alleged delinquency. 
Specifically, I request the following as part of your reinvestigation : 1. Identification of the individual or system at XXXX who submitted or verified the late payment record ; 2. The exact reporting date and method used to furnish the information ; 3. Complete documentation relied upon by XXXX to assert the delinquency ( including internal records, payment logs, billing history, or correspondence ) ; 4. Disclosure of whether verification was conducted via XXXX XXXX XXXX XXXX ( XXXX ) or manual review ; 5. Evidence of my accounts status in XX/XX/XXXX confirming the alleged late payment with sufficient specificity and credibility. 
In the absence of properly documented evidence and first-hand validation from the data furnisher, I request the immediate deletion of this entry from my credit file in compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Continued reporting of unverifiable or inaccurate data constitutes noncompliance with federal law and may subject your bureau and/or the furnisher to civil liability under 15 U.S.C. 1681n and 1681o.

This is a factual dispute, not a goodwill request. If you are unable to verify the legitimacy of this negative entry with complete, timely, and verifiable documentation, you are legally obligated to remove it. 
I expect written confirmation of the reinvestigation results within 30 days, including any documentation used by Pathward/Oportun to validate the derogatory item. Please also notify all third parties with whom you have shared this inaccurate data. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had a collections with XXXX XXXX Solutions. I paid the collection off on XX/XX/XXXX and asked about getting the collection removed from my credit report as I am trying to buy a house. The representative stated that I would need to dispute with the credit bureaus to have the account deleted. I was also advised by a credit XXXX who works for the lending agency we plan on using to purchase our home through to pay this collection and begin whatever steps needed to delete from my report to boost credit scores to required score. I submitted disputes on XX/XX/XXXX to have the collection account removed since it had been paid to the XXXX major credit bureaus and Experian is the only bureau that did as I requested and it boosted my score well above the required score to get a home loan. Equifax and Transunion denied my disputes stating the accounts were accurate and did not delete the accounts as requested. Upon contacting Equifax on XX/XX/XXXX and asking why they would not delete like Experian did the agent stated that the collection will have to stay on my credit for 7 years or I could ask the collection agency to provide a deletion/ removal request. I again asked the agent why I had to provide more documentation when Experian used the provided documentation and deleted the account with no problems. I also explained that I was trying to buy a house and was advised to do this but again they were not willing to help.

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