vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Fl XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Re : Dispute of Inaccurate Information on Credit Report Credit Bureau XXXX s ) Involved : [ XXXX / Equifax ] Name of Collection Agency : XXXX XXXX XXXX XXXX Dear CFPB Representatives , I am writing to file a formal complaint and request an investigation into a collection account that appears on my credit report, which I believe to be inaccurate, incomplete, or unverifiable as outlined under the Fair Credit Reporting Act ( FCRA ).

I have attempted to resolve this dispute directly with the credit bureau ( s ) and/or data furnisher, but no proper verification of the debt has been provided in compliance with Sections 611 and 623 of the FCRA. I have not received valid documentation to prove that this debt belongs to me, that the amount is correct, or that the collection agency has legal authority to report it. 
The account in question is as follows : Name of Collector : XXXX XXXX XXXX XXXX Amount Claimed : {$6400.00} Date of Alleged Charge or Collection : XX/XX/year> I respectfully request that the CFPB initiate a formal investigation and instruct the credit bureau and the furnisher of the data to validate this account with actual, legally admissible documentation. Otherwise, I request the immediate and permanent removal of this negative account from my credit history. 

Enclosed are copies of my ID, proof of address, and relevant pages of my credit report showing the account in dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-01 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, i received multiple calls and text messages from eastern account systems about a debt to XXXX XXXX  in the amount of XXXX, my last bill from XXXX  was XXXX on XX/XX/XXXX. I got Eastern account systems off of my credit it report XXXX XX/XX/XXXX due to incorrect amount due And then XXXX XXXX XXXX XXXX picked up the debt and opened it on XX/XX/XXXX for XXXX for XXXX and it's received several calls and text messages from the company. XXXXXXXX XXXX XXXX XXXXXXXX was deleted off my credit reports XX/XX/XXXX. For incorrect amount owed to XXXX/XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Date : XX/XX/year> Capital One Customer Service Attn : Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Capital One Dispute Resolution Team, I am writing to formally request a detailed explanation and documentation regarding the resolution of my recent dispute involving my order from XXXX XXXX According to your records, the dispute was ruled in my favor, but I have not been provided with any supporting documentation or proof to clarify the amounts and details of the refunds issued. 

Summary of the Situation : - **Total paid to XXXX XXXX : ** {$140.00} - **Refunds issued by Capital One ( according to your records ) : ** {$92.00} - **Amount still owed : ** {$48.00} ( I was informed by Capital One that this amount had already been refunded, but it has not been credited to my account. ) In my previous interactions with your representative, XXXX XXXX who contacted me from phone number XXXX ), I was informed that my claim was settled, yet I have not received any clear evidence or official documentation to substantiate this. I have not been given any bank statements, invoices, dates, or amounts showing how or when the full refunds were processed. Furthermore, I have not received the {$48.00} that I am still owed. 

To date, Capital One has failed to provide the necessary documentation to demonstrate that the refund was processed correctly. Without such proof, I am unable to confirm that the matter was investigated thoroughly. 

Request for Documentation : I respectfully request that you provide the following documents related to this dispute : 1. A copy of the investigation results for my case.

2. Documentation showing all amounts refunded, including dates and the exact amounts refunded to my account.

3. Copies of any invoices or bank statements that support the refund amounts in question.

4. A clear breakdown of how Capital One determined that I was overpaid by XXXX XXXX  and the full details of any refund issued, including amounts and shipping charges. 

Please send this information to my address above or to my email address at XXXX. I also ask that you thoroughly re-investigate the remaining {$48.00} that I have not yet received. 

Next Steps : If I do not receive a response or adequate documentation within 14 business days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, I will consider pursuing legal action if necessary to resolve this issue. 

I appreciate your prompt attention and look forward to a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/2015 {$4300.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, Navy Federal analyzed our escrow account for next year. When performing the analysis, an entire month of escrow payments ( {$800.00} ) was omitted from our payment history. This resulted in a projected escrow shortage that was incorrect. They increased our monthly escrow payment by an additional {$100.00}, creating a total monthly payment of {$1900.00}. The statement showed an ending escrow balance on XX/XX/XXXX of {$2400.00}, which they based their analysis on. However, our actual balance on XX/XX/XXXX was {$3300.00}. 

I called as soon as I received this letter in the mail on XX/XX/XXXX. The agent assured me that they would put in a request to re-analyze our escrow account and that it would be sent via US mail within 10-14 days. On XX/XX/XXXX, after not receiving the new analysis in the mail, I called them. I was informed that they reviewed my case and determined that the original analysis was correct. They closed my case and did not contact me. 

I called again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition, I sent multiple emails starting on XX/XX/XXXX all the way through the end of the month. 

On XX/XX/XXXX, an escrow specialist agreed to re-analyze our escrow after reviewing my details. However, when I received the new analysis in the mail yesterday, the same mistake was made again. They are basing all of their computations off of an incorrect beginning balance. The new analysis changed our escrow increase to {$92.00} and a new total monthly payment of {$1900.00}, but it should actually only be increased by {$20.00}, resulting in a monthly payment of {$1900.00}. 

I called today and was told that they are no longer wiling to help me or communicate with me. They said my only recourse is to request to waive our escrow and pay everything ourselves going forward. This is not the avenue that we wish to take. 

I have attached the original analysis, showing that they did not accurately reflect our XXXX payment. I have also attached a screen shot that shows our actual XXXX ending escrow balance, which does not match that on the escrow analysis statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
- These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
This involves an Amazon Store Card from Synchrony Bank. 
On XX/XX/XXXX I made a {$540.00} purchase on Amazon.com with a XXXX 0 % -interest equal-pay promotion, which would have been {$90.00} per month starting in XX/XX/XXXX. I had a regular balance of over {$600.00} on my account as well and, on XX/XX/XXXX, I made a {$600.00} payment towards the credit card, assuming that it would go towards the regular balance since the other balance was on the 6-month plan. The payment was applied towards the 0 % interest purchases first. I did not find this out until I received my XXXX statement on XX/XX/XXXX. On XX/XX/XXXX I called Synchrony 's customer service line and spoke to a person that said that they would re-allocate the payment towards my regular, interest-accruing balance. On XX/XX/XXXX I received a letter that stated that " Unfortunately we are unable to accommodate your request as we are only able to reallocate payments to and from deferred interest promotions. '' I waited until my statement came out at the end of XXXX and noticed that I was charged interest and my promotional balance was still {$0.00}. On XX/XX/XXXX I called Synchrony 's number again, spoke to someone, and they again told me that they would re-allocate the payment. On XX/XX/XXXX I received a letter that stated " Your payment has been applied to your account balance as requested. The change will be shown on your next billing statement. '' On the same day, I received another " Unfortunately we are unable to accommodate your request.. '' letter. I waited until my next statement, on XX/XX/XXXX, and I was again charged interest and the equal-pay balance was still {$0.00}. I called Synchrony 's customer service line again and was told that, since it had been past 60-days they could no longer re-allocate the payment. I escalated the issue to management and was told that the only way that I could have kept the six-month 0 % promotional balance is if I did not pay off my regular, interest-accruing balance and only paid the minimum {$90.00}, as anything extra will go towards the 0 % interest balance rather than the nearly 30 % interest balance. This is very deceptive and makes the entire purpose of a 0 % interest 6-month payment plan pointless.

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 2025-04-01 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I reviewed my credit report and discovered one fraudulent account that do not belong to me and one late payment error. These unauthorized account has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the accuracy of reported information, yet they have not fulfilled this obligation. I have contacted the creditors involved, and they confirmed this account was fraudulently opened and the late payment was an error. Additionally, I am submitting identity theft reports, including an FTC report, to support my claim. I request immediate action to remove this fraudulent account and one late payment error which has to be corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-04-01 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My number and email were restricted from using XXXX, in 2024 and I was not told why.

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 2025-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: College Ave Student Loan Servicing, LLC
State: NC

Complaint narrative:
RE : Request for Disclosure Under the Fair Credit Reporting Act Private Student Loan Application Number : XXXX Dear College Ave Student Loans, I am writing in response to the adverse action noticed date XX/XX/year>, which states that my student loan application was denied due to an inability to verify the identity information contained in my application. The notice also indicates that this credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am making this written request for disclosure of the nature of the information used in your decision, as permitted under 15 U.S.C. 1681m ( a ) ( 2 ). I am exercising my right to understand what specific identity-related information was used, where it was obtained, and why it could not be verified. 

Please provide a detailed explanation of the nature and source of this information, and any additional steps I may take to resolve or clarify the issue. I request that this disclosure be provided in writing to the address above or via email if possible. 

Thank you for your attention to this matter. I look forward to your response within the time period permitted by law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: TX

Complaint narrative:
I purchased clothes from XXXX XXXX  for {$120.00} on XX/XX/year>. The clothes were supposed to be delivered between 3-5 weeks. Its been over 12 weeks and the XXXX XXXX  is no longer accessible. I asked for a refund but cash app denied my claim twice automatically. I called a representative at cash app and they offered no explanation and said once they deny a claim, there is nothing else they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Credit card company still reporting to credit bureau is in accurate company sold debt to a debt collector who is also reporting negativity on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation