vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-04-09 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:
Please remove negative account this is not my account Also please update my name correctly on my report to XXXX XXXX XXXX XXXX Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/year> Total fraudulent amount : {$2700.00} And remove unauthorized inquiry from XXXX DATE XX/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 2025-04-09 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: NY

Complaint narrative:
I initially contacted the credit union to report several fraudulent accounts that appeared under my name. These accounts were not opened or authorized by me and resulted from identity theft. I provided all necessary documentation, including an identity theft affidavit, to support my claim. The identitytheft.gov reference number is XXXX for the following accounts : XXXX : {$1400.00}, XXXX XXXX  XXXX  : {$1200.00}, XXXX : {$830.00}, XXXX XXXX  {$570.00} Following their investigation, I was informed that the fraudulent accounts would be removed. However, despite this resolution, these same accounts have recently reappeared on my credit report and are now listed as collections. I have not received any explanation from the credit union regarding why these accounts were reinstated or why my previous documentation is no longer being honored. 

I am requesting that these accounts be permanently removed from my credit report, and that the credit union provide written confirmation of this action. I would also like an explanation of how and why these accounts resurfaced after being previously resolved.

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 2025-04-09 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: NY

Complaint narrative:
I initially contacted the credit union to report several fraudulent accounts that appeared under my name. These accounts were not opened or authorized by me and resulted from identity theft. I provided all necessary documentation, including an identity theft affidavit, to support my claim. The identitytheft.gov reference number is XXXX for the following accounts : XXXX : {$1400.00}, XXXX XXXX  XXXX  : {$1200.00}, XXXX : {$830.00}, XXXX XXXX  {$570.00} Following their investigation, I was informed that the fraudulent accounts would be removed. However, despite this resolution, these same accounts have recently reappeared on my credit report and are now listed as collections. I have not received any explanation from the credit union regarding why these accounts were reinstated or why my previous documentation is no longer being honored. 

I am requesting that these accounts be permanently removed from my credit report, and that the credit union provide written confirmation of this action. I would also like an explanation of how and why these accounts resurfaced after being previously resolved.

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 2025-04-09 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I went to visit a branch of Bank of America to inquire about doing a money transfer to my sister in XXXX. I asked what their fee would be to do a wire and the answer I got was that it would cost at maximum {$45.00}. I also asked the question : Do you charge any additional fees for the exchange from dollars to XXXX and the answer was " NO ''. I decided the next day to effectuate the wire transfer of $ XXXX entering the bank on XX/XX/year>, I checked the market ticker tape at XXXXXXXX XXXX  and the XXXX was trading at XXXX. I expected to deliver to my sister approximately XXXXXXXX XXXX  minus the {$45.00} fee that I was told about. When the lady finished the transaction, she showed me that they were only going to deliver XXXX XXXX  and I said that that did not make any sense. She said that it was correct at XXXX. I asked " Are you charging me any other fees? and the answer was " NO ''. I ended up signing the paper and went home. Once at home I viewed the paper more carefully and found that they used an exchange rate of XXXX which is 3 and one third % higher than the current trading rate of XXXX. In other words they charged me a fee of {$260.00} that they lied about the day before. I went in the next day and talked to the manager to obtain a reinbursement at no avail! Please 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 monetary relief
Consumer complaint received 2025-04-09 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 2025-04-09 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MA

Complaint narrative:
I am disputing inaccurate and unverifiable items on my Equifax credit report under the Fair Credit Reporting Act. The following accounts contain errors : XXXX XXXX XXXX XXXX XXXX XXXX late payment ( Acct # XXXX ; status " Pays as agreed '' conflicts with late payment ). 
XXXX XXXX XXXX XXXX  XXXX late payments ( Acct # XXXX ; " Pays as agreed '' inconsistent with 3 late payments ). 
XXXX XXXX XXXX XXXX XXXX late payment ( Acct # XXXX ; " Pays as agreed '' contradicts late payment ). 
XXXX XXXX ( XXXX ) - {$580.00} collection ( Acct # XXXX ; unverified debt ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-04-09 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-04-09 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Chime Financial Inc
State: TX

Complaint narrative:
Today on XXXX I contacted XXXX XXXX and Chime due to my disputes being closed with the merchant XXXX XXXX. I initiated a chargeback due to non-receipt of services from the merchant who never responded until the XXXX claim was initiated. 

The merchant wanted me to sign a disclaimer rescinding all of my chargebacks, which I declined so that the bank could arbitrate on my behalf. 

Some of the claims have already been settled and the money returned to my account, all of the same supporting documentation has been sent to them on each case individually despite it being all from the same online casino. 

Now XXXX XXXX and Chime are asking that I provide a copy of the cancelation policy, which I have as well as a " gift voucher '' from the merchant stating that they're agreeing to return the funds. This is not possible for me to acquire, since they owe me {$4100.00} and locked my account from their platform as soon as the chargeback process was initiated. 

All I'm seeking is to have my purchases refunded from the merchant, for the merchant to provide the service, and for XXXX XXXX to work on my behalf to dispute the charges fairly. Under sweepstakes law the merchant should have some obligation to process those transactions, or at the very least it seems fraudulent and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: 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 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 2025-04-09 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:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/1986 contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, EXPERIAN XXXX XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

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 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX Debt Collector 's Name : Capital One Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : account # XXXX Dear Capital One, I took a look at my credit report and saw a collection from your company reporting on my credit. I am unaware of this debt and why it's even on my credit report. So therefore as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validated proof of the alleged debt. I do not recall giving parmission to [ name of provideri ] for them to release my information to a third party collection agency. 

According to 15. U.S.C 1692 ( C ) you have violated my rights by unlawful communication.

According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify-through the physical validation of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see validated proof ( an original Consumer Contract with my signature on it ) that you have on file of the account listed below. Your failure to positively validate this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of validated proof, you must remove the accounts listed below. 

Account # XXXX Therefore my request is twofold-validation of debt and FDCPA authorization. 

Please provide a breakdown of fees including any collection costs and charges. Provide a copy of the documentation with my signature on it for the above debt amount of : $ Cease any credit bureau reporting until the debt has been valldated by me as well. 

Please submit validates proof through the CFPB portal once I submit my dispute, thats how I will be communicating on this matter. As my formal debt validation request, which I am allowed to request under the FDCPA. Please note that withholding the information you received from any collection agency in regards to my identity, can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the company of service In connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by CFPB [ consumer financial protection bureau ] in a timely manner as you have 15 days to respond. 

I demand the following accounts to be validated or immediately removed, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MS

Complaint narrative:
Dear CFPB, Im writing to file a complaint about incorrect items on my credit report. Ive tried multiple times to get these fixed, but nothing has been done, and its really hurting my credit and my life. 

The issues are as follows : Company Name : XXXX XXXX Date : XX/XX/XXXX Incorrect Amount : {$1000.00} Problem : account marked as late in which I have no knowledge of this account Company Name : XXXX XXXX Date : XX/XX/XXXX Incorrect Amount : {$20000.00} Problem : Im writing to file a complaint regarding the XXXX XXXX XXXX, which was sold to me without any information about its high risk for theft. I wasnt informed that the model had a high incidence of being stolen, which led to extremely high insurance rates that were difficult to afford. 
Unfortunately, the vehicle was broken into and stolen. I immediately filed a police report, but now the car is showing up on my credit report as if I still owe on it, even though it was stolen and I have filed a report. This is unfair, and its negatively impacting my credit. 

Company Name : XXXX XXXX Date : XX/XX/XXXX Incorrect Amount : {$10000.00} Problem : account is a repossession in which i have no fault in. vehicle was wrongfully taken as payments were not being shown in the system. I in fact were making payments and was wrongfully mistreated and handled improper by the company. They did not bring vehicle back and i had proof of payments. 

Im requesting that these items be removed from my credit report, as it is causing undue financial harm. 

Please assist in resolving this issue. 

Ive contacted XXXX XXXX, XXXX, Experian and XXXX on several occasions and sent in all necessary documents to correct these mistakes, but nothing has changed. I also disputed it with the credit bureaus, but still no luck. 

These mistakes are making it hard for me to get loans and causing major stress. I need help getting these issues resolved as soon as possible. 


Thanks for your 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
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The credit bureau is showing a 'Collection ' on my credit report that has not been properly vetted or proven. I have requested validation but did receive adequate information or what was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 non-monetary relief