vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my XXXX XXXX XXXX XXXX XXXX XXXX credit report, and I noticed some late payments on my credit report : Account Name : Capital One Auto Loan Account Number : XXXX Please verify that the late payments are reporting accurately on my report. - I was never late on this at all. 

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( XXXX ) In accordance with the written instructions of theconsumerto whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00} Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company. 

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
on XX/XX/year> I deposited a check for the amount of {$4100.00} into ATM. I was never notified on when the money will be available. The next day I try to log into my account and my account was locked. I was told that my account was on the 24 to 48 hour review. And to call back in a couple of days. Once I called back, I was told that my account was being closed. It was not explained to me why my account is being closed. The money has been in my account for over 30 days and Citibank is claiming they need to verify these funds with maker from a phone number that matches in their database. The issuer has new phone number and does not matches Citibank imaginary database. My current balance is {$4100.00}. As of XX/XX/year>, on XX/XX/year>, Citibank fraud team representative named XXXX told me that, even though those funds are in my account that they can not be allocated to me without verification, this is a personal check and not a business check. My account should be closed immediately and the funds remaining in my account of the balance of {$4100.00} should be sent in a check form to the mailing address on file.

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
For the last week or so, phone numbers associated with " Portfolio Recovery Associates '' have been contacting one of my phones. I have not spoken with them, however they persistently call each and every day, including weekends. Given the nature of this company, I can only assume they are attempting to collect a debt.

Confused, I double checked : I have not received any mailed correspondence from them concerning an account in collections. My XXXX  credit report does not show any account in collections, either. 

Researching the company, I have discovered multiple instances of them being taken to task by the CFPB over a wide range of violations pertaining to their debt collection methods, and being fined in the XXXX XXXX XXXX of dollars.

Therefore, PRA needs to either confirm this debt they are calling about so I take further action to resolve the matter ( while they pause calling me ), or stop calling me altogether.

Note : the last known account I had in collections was resolved approximately 5 months ago, with the collector writing : " XXXX apologizes for any inconvenience its efforts may have caused, but believes they were in compliance with applicable state and federal laws. However, in light of ( my ) complaint this account has been closed, credit reporting agencies notified to delete any relevant trade lines and XXXX will make no further attempts to contact him regarding this account. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CT

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, or TransUnion ) credit report, and I noticed some late payments on my credit report : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please verify that the late payments are reporting accurately on my report. - I was never late on this at all. 

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( XXXX ) In accordance with the written instructions of theconsumerto whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00} Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, 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 2025-05-19 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: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( XXXX XXXX XXXXr TransUnion ) credit report, and I noticed some late payments on my credit report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify that the late payments are reporting accurately on my report. - I was never late on this at all. 

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00} Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my XXXX XXXX Equifax, or XXXX ) credit report, and I noticed some late payments on my credit report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify that the late payments are reporting accurately on my report. - I was never late on this at all. 

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00} Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report has me living aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Another address on XXXX XXXX XXXX XXXX XXXX I never lived at.

Spoke to companies and Credit agencies it was supposed to be removed at it was not. Accounts were open I asked them to verify and they could not.

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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I made a payment of XXXX and it was sent XX/XX/year>, the day of my billing cycle closing. Instead of posting it the day of, they posted it the next day and then charged me {$80.00} in interest charges. I called requesting details and why it wasnt posted when received. I then asked for a waiver of the interest charges and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX  credit card account that was paid in full for less than the full balance and closed years ago. However, the account is still being reported as a charge-off by both XXXX  and Equifax, which is negatively affecting my credit score. 

This is not only inaccurate and misleading, but the debt is also past the statute of limitations for reporting and collection in my state ( XXXX XXXX ). Continuing to report this as a derogatory account is harmful and a violation of my rights under : FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate information FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 605 ( a ) Time limits on negative reporting Despite being paid, the account is still labeled as settled for less than full balance and paid charge-off, which misrepresents the status and resolution of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/scrub> 2025 I was notified by email from my credit union of suspicious activity on my account. I checked my online banking and was horrified to find that my checking account was negative {$1000.00} from cashapp charges. There were five charges of {$200.00} each and one for {$20.00}. I canceled my debit card immediately that was associated with the cashapp account. I then contacted cashapp to dispute the charges. At the time I was unaware of what may have taken place only that money had been stolen from me. At the time of filing the disputes I was unaware of the exact details of what happened. They asked me if I had my phone in my possession and I did have my phone but I was unaware if someone may have taken it when I wasn't aware or what may have transpired. The following day XX/XX/scrub> 2025 I received notifications from cashapp that a cashapp card had been mailed to a false address that I do not know of and that further charges had attempted to be stolen through the account again. With this new information I know that someone had access to my cashapp account without my permission and cashapp verified that as well. Cashapp also verified this on a phone call XX/XX/year>2025 and reset all users that were logged into my account because they could see on their end that another unauthorized device was logged into my account. Cashapp assited me in resetting my security pin that I never knew existed and verified all of my correct information during that call and an appeal was made after they denied my initial claims for a refund due to fraud. On XX/XX/scrub> 2025 Cashapp sent me an email stating that they were denying my dispute because no error occured because the payment was authorized using a security lock feature. On XX/XX/scrub> 2025 I called again at XXXX XXXX  and was told there was nothing they could do and they were not allowed to transfer me to the department that handles disputes. They would not explain what this explanation means. The individual that fraudulently took my funds must have created a pin to steal from me and continued to attempt to steal more even after the card was canceled. This was clearly fraud and I am requesting a refund of all funds stolen! Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-05-19 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: AL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
According to FCRA section 605b it is illegal to report anything on my credit report without my permission Please remove this negative item Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: OH

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-19 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: HI

Complaint narrative:
Upon reviewing my credit record, I discovered late payments that I believe are inaccurate. Despite sending validation request letters over 30 days ago, I have received no response, and the creditors have failed to provide satisfactory validation of these alleged late payments. This lack of response and validation is concerning given the impact these entries have on my credit standing.

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