vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: DISCOVER BANK
State: CO

Complaint narrative:
In XXXX, XXXX, I received a statement from Discover Credit cards. Upon reviewing, I have never applied for a credit card from this bank. I immediately contacted Discover to gather information. On XX/XX/XXXX, I received a list of the transactions on record, a letter from Discover that they would do an investigation. They requested for me to compete an Affidavit which I completed and mailed to them on XX/XX/XXXX. On XX/XX/XXXX, I received a letter notifying me that the investigation was completed and " no fraud occurred on your account '' and I was responsible for the entire amount of {$19000.00}. On XX/XX/XXXX, I contacted the Discover fraud team to further discuss this investigation and was only told, I am responsible because there were two balance transfers from XXXX and XXXX credit cards. I never received the original application that opened this account. In the meantime, I contacted the Credit Bureau to get information. The Bureau assisted me with more information regarding XXXX and XXXX. They put a freeze on my credit. On XX/XX/XXXX I contacted XXXX and XXXX ; completed and sent them the FACT affidavit, I also sent this FACT to Discover. I've been in contact with both XXXX and XXXX. XXXX has not been able to find anything with my SSN but were able to notify that since XXXX they have received applications to open an account ; they put a stop on them. I also went through the steps on the IdentifyTheft.gov and filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Pursuant to 18 use 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report anything using my info pursuant to 15 USC 1681 4

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my Experian credit report and noticed multiple hard inquiries that I did not authorize, including entries from XXXX XXXX  on XX/XX/year>, XXXX on XX/XX/year>, and XXXX XXXX XXXX XXXX XX/XX/year>. These inquiries appeared without my knowledge or consent, and I did not apply for credit with any of these institutions at that time. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604, consumer reporting agencies like Experian are only permitted to release a credit report when there is a permissible purpose and proper authorization from the consumer. In this case, there is no permissible purpose, and I did not initiate any credit applications or authorize these companies to access my credit file. The presence of these inquiries is damaging to my credit profile and may result in lowered credit scores, financial harm, and exposure to further unauthorized activity. I take my credit and privacy seriously, and these inquiries raise concerns of potential identity misuse or mishandling of consumer information. I attempted to contact the companies directly and received no clear explanation or supporting documents justifying the inquiries. Given the lack of authorization and failure to follow proper procedures, I am filing this formal dispute with Experian to request a full investigation into these entries.

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 2025-05-28 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:
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 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 2025-05-28 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 formally requesting that you block and remove the unauthorized accounts currently appearing on my credit file. I did not create or authorize these accounts and do not recognize their origin. As outlined in USC 1681g, I ask that these accounts be removed within 15 days. Enclosed are documents for your thorough review. Please also be advised that the information reported across credit bureaus is inconsistent and incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On XX/XX/scrub>XXXX XXXXXXXX processed our nightly settlement of funds {$760.00}. Wells Fargo incorrectly deposited or lost. On XX/XX/year> XXXX processed our nightly settlement of funds {$7100.00}. Wells Fargo AGAIN incorrectly deposited of lost the funds. 
Error was reported multiple times and escalated multiple times, even reported to the XXXX  XXXX district manager. To date I have received, three polite phone calls with absolutely no definitive answer as to where the funds are being held or a resolution date. 

It is now XXXX and I feel that Wells Fargo has had more than ample time to research and reconcile the events on XX/XX/year> and XX/XX/year> with the transaction ID provided by XXXX. Since this is a regular nightly event for all banking institutions, this is not a new process and feel that Wells Fargo is either inundated with complaints and can not resolve within a reasonable time limit, or they are unfortunately understaffed. Either way, 5 months is an unreasonable for any stable financial institution.

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 2025-05-28 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: IN

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX IN XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9800.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-05-28 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: CA

Complaint narrative:
XXXX XXXX is reporting late payments on a closed account that are inaccurate, unverifiable, and legally indefensible. I have disputed these entries directly with XXXX XXXX, but they have failed to provide any verifiable documentation to support the reporting of these alleged late payments. 

Under 15 U.S.C. 1666b, a creditor must provide a minimum 21-day grace period from the date the statement is mailed or delivered before a payment can be legally considered late. XXXX XXXX has not produced proof that billing statements were sent in compliance with this provision or that the payments were in fact made after the legal grace period expired. 

I exercised my rights under 15 U.S.C. 1681i, submitting a formal dispute and requesting a reinvestigation. Despite this, XXXX XXXX has not provided sufficient documentationsuch as billing statements, mailing logs, or payment confirmationsto validate the negative entries. They have also continued to furnish the late payment data to credit reporting agencies, even after failing to verify its accuracy. 

Further, under 15 U.S.C. 1681c-2, I formally requested that any inaccurate or unverifiable information be blocked from my credit file. This statute requires the removal of disputed data that can not be substantiated. XXXX XXXX has continued to report derogatory information even after this request, and the account remains closedyet the negative entries persist without lawful support. 

The account being closed only increases the concern that XXXX XXXX no longer has a legitimate reason to continue furnishing data that is inaccurate or unverifiable, and doing so constitutes a willful violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
XXXX XXXX is reporting late payments on a closed account that are inaccurate, unverifiable, and legally indefensible. I have disputed these entries directly with XXXX XXXX, but they have failed to provide any verifiable documentation to support the reporting of these alleged late payments. 

Under 15 U.S.C. 1666b, a creditor must provide a minimum 21-day grace period from the date the statement is mailed or delivered before a payment can be legally considered late. XXXX XXXX has not produced proof that billing statements were sent in compliance with this provision or that the payments were in fact made after the legal grace period expired. 

I exercised my rights under 15 U.S.C. 1681i, submitting a formal dispute and requesting a reinvestigation. Despite this, XXXX XXXX has not provided sufficient documentationsuch as billing statements, mailing logs, or payment confirmationsto validate the negative entries. They have also continued to furnish the late payment data to credit reporting agencies, even after failing to verify its accuracy. 

Further, under 15 U.S.C. 1681c-2, I formally requested that any inaccurate or unverifiable information be blocked from my credit file. This statute requires the removal of disputed data that can not be substantiated. XXXX XXXX has continued to report derogatory information even after this request, and the account remains closedyet the negative entries persist without lawful support. 

The account being closed only increases the concern that XXXX XXXX no longer has a legitimate reason to continue furnishing data that is inaccurate or unverifiable, and doing so constitutes a willful violation of federal law.

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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
For some time now I have been paying my Capital One credit card balance every two weeks when I get paid. I have been using my debit card and the payment is immediately deducted from my checking account and the credit card balance is updated in about 24 hours or less. I went to make a payment on XXXX XX/XX/year> and found that debit card payments were no longer an option on the Capital One app. I contacted the customer service number and the representative was able to make the payment manually. On XXXX XX/XX/year> I went to make another payment and found the app still was not allowing debit transactions. I contacted customer service again but was told that they would not be able to process payment through my debit card even though they still have the card information on file. I was forced to make an ACH payment which, on account of a Monday holiday, took 7 full days to process by which time other expenses had meant the funds were no longer available in my checking account to cover the payment. The payment was returned and now my Capital One credit card account is over the limit and unusable until I can make the equivalent of two payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights. Under 15 U.S.C. 1681 sec. 602 states I have the right to privacy. 15 U.S.C. 1681 sec. 604 ( a ) sec. 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. There are two accounts reporting late payments on my credit reports. 

XXXXXXXX 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
XX/XX/XXXXXXXX  My XXXX XXXX credit was dropped because it was reported that between the dates XX/XX/XXXXXXXX  and XX/XX/XXXX, that my account was marked 90 days late, how is this possible when my account is in deferment. Also each month ( especially in XX/XX/XXXXXXXX   and XX/XX/XXXXXXXX   ) all three credit bureau reported that payments was made XXXX percent on time.Then in XXXX it was marked as 90 days late. 
If it was 90 days late why is it still reporting as on time. 
Filed a dispute and it was not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting late payments on a closed account that are inaccurate, unverifiable, and legally indefensible. I have disputed these entries directly with XXXX XXXX, but they have failed to provide any verifiable documentation to support the reporting of these alleged late payments. 

Under 15 U.S.C. 1666b, a creditor must provide a minimum 21-day grace period from the date the statement is mailed or delivered before a payment can be legally considered late. XXXX XXXX has not produced proof that billing statements were sent in compliance with this provision or that the payments were in fact made after the legal grace period expired. 

I exercised my rights under 15 U.S.C. 1681i, submitting a formal dispute and requesting a reinvestigation. Despite this, XXXX XXXX has not provided sufficient documentationsuch as billing statements, mailing logs, or payment confirmationsto validate the negative entries. They have also continued to furnish the late payment data to credit reporting agencies, even after failing to verify its accuracy. 

Further, under 15 U.S.C. 1681c-2, I formally requested that any inaccurate or unverifiable information be blocked from my credit file. This statute requires the removal of disputed data that can not be substantiated. XXXX XXXX has continued to report derogatory information even after this request, and the account remains closedyet the negative entries persist without lawful support. 

The account being closed only increases the concern that XXXX XXXX no longer has a legitimate reason to continue furnishing data that is inaccurate or unverifiable, and doing so constitutes a willful violation of federal law.

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 2025-05-28 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: IA

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 non-monetary relief
Consumer complaint received 2025-05-28 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: NH

Complaint narrative:
Good evening This account was charged off on the following date XX/XX/. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the status of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX  : XXXX XXXX XXXX XXXX XXXX This account is violating the laws

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