vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NV

Complaint narrative:
I am filing a complaint against Transunion for failing to investigate my disputes regarding inaccuracies in my credit report properly. 
Despite my submissions, Transunion consistently responds within 24 hours, stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681i, which mandates a reasonable investigation of disputes.

Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No. 2025-CFPB -0002 ) against it for similar violations. Request that CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of 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 explanation
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my Experian credit report. Upon reviewing my report, I noticed an error in the reporting of my XXXX XXXX account ( Account Number : XXXX ). 
The report incorrectly states that my account was closed at the credit grantors request. However, I did not request the closure of this account, and this is an inaccurate representation of my account history. Additionally, the balance reporting and credit usage percentage may be outdated, as my last payment on XX/XX/year>, should reflect a lower balance than what is currently listed. 

I am requesting that Experian correct this inaccuracy and update my report accordingly. I have attached relevant documentation to support my claim. Please investigate this matter and provide me with a written confirmation of the correction or an explanation of your findings. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and inform me of any updates as soon as possible. 
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 2025-03-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXXXXXX XXXX-2025 XXXX Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my XXXX credit report. Upon reviewing my report, I noticed an error in the reporting of my Capital One account ( Account Number : XXXX ). 
The report incorrectly states that my account was closed at the credit grantors request. However, I did not request the closure of this account, and this is an inaccurate representation of my account history. Additionally, the balance reporting and credit usage percentage may be outdated, as my last payment on XX/XX/scrub> 2025, should reflect a lower balance than what is currently listed. 

I am requesting that XXXX correct this inaccuracy and update my report accordingly. I have attached relevant documentation to support my claim. Please investigate this matter and provide me with a written confirmation of the correction or an explanation of your findings. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and inform me of any updates as soon as possible. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: OK

Complaint narrative:
Experience data breach with credit report agency and my information was breached

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 2025-03-01 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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against XXXX XXXX XXXX ( XXXX  ). I have repeatedly contacted XXXX  regarding inaccurate information they are reporting on my credit report. Specifically, an account listed as delinquent that is not mine, I have contacted XXXX on the following dates : [ List dates of contact, with methods of contact, e " via phone on XX/XX/XXXX, '' " via certified mail on XX/XX/XXXX, '' " via experian online portal During these communications, I specifically requested that they : Remove the inaccurate information from my credit report. 
Provide me with the original contract that they claim I have with the original creditor. 
Despite these requests, XXXX has failed to : Correct the inaccurate information on my credit report. 
Provide me with a copy of the original contract. 
This failure to provide the requested documentation and correct inaccurate information is causing significant harm to my creditworthiness. I am concerned that XXXX is violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

My personal information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX tx XXXX Phone Number : XXXX Email Address : XXXX Social Security Number ( Last 4 Digits ) : [ XXXX I request that the CFPB investigate this matter and take appropriate action to ensure that XXXX : Removes the inaccurate information from my credit report. 
Provides me with a copy of the original contract. 
Complies with all applicable consumer protection laws. 

Thank you for your time and attention to this matter. 

Sincerely,

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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
So I'm a victim of identity theft, I am also someone that has been XXXX XXXX XXXX XXXX XXXX, it could also be an organized gang stalking. These people/person has access to someone they know personally in law or government that I believe that has been helping them. My phone was hacked, my mother phone was hacked, my dads and my sisters. I usually go on my bank app log in, who ever hacked my phone had access to my personal bank accounts. They have over drafted my accounts, had access to me Checking and savings account. I've had to change banks like four times, this will be my 5th phone in the matter of 2 years. I've dished out hundreds of dollars purchasing or fixing things. banks include, Citibank, XXXXXXXX XXXX XXXXXXXX and 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 2025-03-01 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: CA

Complaint narrative:
I have sent in the necessary documents to Equifax, Experian and Transunion credit reporting agencies, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. *Up to but not limited to {$1000.00} usd per month per illegal 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 2025-03-01 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 have sent in the necessary documents to Equifax, Experian and Transunion credit reporting agencies, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. *Up to but not limited to {$1000.00} usd per month per illegal 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 non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
There was a data breach and my personal information was given out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On the XXXX on XX/XX/XXXX, I received a notification from Chase Bank alerting me to the balance of savings was negative. I first became aware these fraudulent withdrawals from XX/XX/XXXX until XX/XX/XXXX, XXXX, total {$30000.00}. 
Chase has credited {$16000.00} for the first XXXX months of fraudulent activity on the XXXX XX/XX/XXXX, I am deeply concerned that the remaining {$14000.00} has not been reimbursed, despite these transactions following the same unauthorized pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Hello sir/maam My name is XXXX XXXX XXXX I am facing a lot of problems due to fake collection on my credit report, the Midland credit Mange ... posted {$4200.00}. Collection on my racket but its is fraud is not belong to me I can kindly request to help me solve this issue, I only have two credit card one from XXXX XXXX XXXXXXXX and the other one is XXXX I swear to XXXX, I never got any credit card from this guys or any other third-party Thanks & Best regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AK

Complaint narrative:
On XX/XX/XXXX my cash app account was hacked and someone was actively taking money from my checking account ( local bank company ) and transferring it to my cash app account, then withdrawling the money some how. That day I made XXXX transactions and had {$6300.00} in my bank account. I was on the phone with cash app support telling them someone was hacking my account at that exact moment. I would lock my card and whoever was hacking it was able to unlock it right after Id lock it! By the time they were able to stop transactions there was only {$1100.00} in my bank account. They did an investigation and only refunded me around {$4700.00} I think. Neither my bank or cash app has provided me the money that is still unaccounted. 

Then in XX/XX/XXXX CashApp froze my account, asking to verify my identity. I did everything they asked of me. A few days later they lifted the freeze off my account and gave me full access back to my account. Then a day later closed my account all together, stating i violated a policy of theirs, but would not give me any additional information. 

Now they are screwing up my credit, because at the time they closed my account, I had a loan out with them. Im not even able to make the payments, due to it being closed. I have contacted them at least 5-10 times regarding both the missing money and the false accusations regarding the account closure/ unable to make the payments on my loan because of the closure. 

No changes have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
Requested removal of credit inquiries unauthorized by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spoke with all the creditors & they have no record of inquiries. No authorization from me to do so. However, when speaking with representatives from each bureau they claim it's verified, but unable to provide verification.

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 2025-03-01 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: GA

Complaint narrative:
Requested removal of credit inquiries unauthorized by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spoke with all the creditors & they have no record of inquiries. No authorization from me to do so. However, when speaking with representatives from each bureau they claim it's verified, but unable to provide verification.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicing Solutions, LLC
State: TX

Complaint narrative:
I had a credit card for my business with XXXX. They closed down and I am guessing that Servicing Solutions took over. I was not aware of this until I saw a derogatory mark on my credit score for a late payment to a company I never shared my information with nor did I make any sort of agreement with.

I do not feel comfortable sharing my information with them due to the large number of complaints about them. 

I would like to figure out a way to make this work and remove the " late payment '' from my credit report.

Company response to consumer: Closed with explanation