vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: NY

Complaint narrative:
I opened a secured credit card account with XXXX XXXX XXXX XXXX in XX/XX/XXXX using my own funds. I later closed the account voluntarily in early XX/XX/XXXX, leaving a {$0.00} balance. 

Despite this, they began reporting late payments ( 30, 60, and 90 days late ) for XXXX, XXXX, and XX/XX/XXXX even though : The account had been paid off I received no billing statements or alerts I was never notified of any balance after closure These charges appeared after I had already initiated closure I only became aware of the negative reporting months later. This is a violation of FCRAs accuracy requirements. The reporting is inaccurate, incomplete, and misleading, and I believe it stems from a post-closure charge or internal billing error.

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I believe the account is invalid. SOURCE RECEIVABLES MANAGEMENT LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One charges a hold fee when getting gas a the pump, that fee was previously only for credit cards, and was reapplied to the account, but now that fee is on debit cards and the bank is no longer return that hold fee. They are still money every time they place a hold on your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
Subject : Dispute of Inaccurate Personal Information on Credit Report Dear CFPB Team I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresses, names, and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : 1. Wrong Addresses : - Incorrect Address # 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Address # 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Incorrect Names : - Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX - Correct Name : XXXX XXXX XXXX. Wrong Employers : - Incorrect Employer : XXXX XXXX XXXX - Correct Employer : XXXX XXXX XXXX XXXX Actions Requested : 1. Remove Incorrect Addresses : Please remove the incorrect addresses listed above from my credit report. 
2. Correct Name : Please ensure that only my correct name, XXXX XXXX, is reflected on my credit report. 
3. Remove Incorrect Employers : Please remove the incorrect employers listed above from my credit report. 

Supporting Documentation : To assist in verifying my correct personal information, I have enclosed copies of the following documents : - A copy of my government-issued ID. 
- A copy of my Social Security Number. 
- A copy of document showing my correct address. 

Impact : These inaccuracies have the potential to affect my creditworthiness and cause confusion in my credit profile. It is essential that my credit report contains accurate and up-to-date information. 

Desired Resolution : I am requesting that Experian INFORMATION SOLUTIONS INC promptly investigate and correct these inaccuracies. Please confirm in writing once the corrections have been made and provide me with an updated copy of my credit report. 
Thank you for your immediate aenon to this maer. I look forward to your prompt resolution of these inaccuracies.

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 2025-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I called XXXX to request a credit limit increase several months ago, as I have had the card for almost 4 years and have not had a single increase ( my credit limit started at only {$500.00} in XX/XX/XXXX, and has not changed as of XX/XX/XXXX ). On the call they were not helpful at all, and couldn't give me a good reason for me not getting a credit limit increase. I have continually updated my financial information on their website, all while I have received several raises at work with an excellent XXXX XXXX ( over XXXX ). I would shop at XXXX more frequently but do not want to get too close to going over my credit limit on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
XXXX. XX/XX/XXXX - Applied in store for a XXXX XXXX XXXX XXXX Credit Card XXXX. At the same time I applied for the card, I charged several XXXX dollars and received the XXXX XXXX XXXX XXXX credit card discount. 
XXXX. As instructed, I registered on the Fortiva website ( XXXX XXXX uses Fortiva to handle the credit card transaction ). 
XXXX. XX/XX/XXXX - At the Fortiva web site, I paid 100 % of my XXXX XXXX bill with another credit Card. 
XXXX. XX/XX/XXXX - Received a letter from XXXX XXXX that informed me I was turned down for the XXXX XXXX XXXX XXXX Credit card. 
XXXX. XX/XX/XXXX- Fortiva charged me the credit card annual fee ( approximately {$50.00} ) XXXX. XX/XX/XXXX - emailed and called Fortiva to explain the above and told them I was not going to pay the annual fee for a credit card I was turned down for. 
XX/XX/XXXX- Fortiva added late fees. Now I owe approximately {$150.00} XX/XX/XXXX - XXXX XXXX decreased by approximately XXXX points XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- emailed and called Fortiva stating the above information and asking the annual fee be removed since I was turned down for the credit card. 
XX/XX/XXXX- Spoke to a XXXX XXXX store manager. The manager said the store can not help. They did try.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Unauthorized Inquiries I am sending this letter to dispute the following inquiries that are unauthorized. Please remove it from my Equifax credit report as soon as possible. I have never given my permission to report this information on my credit report. No consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion : XXXX XXXX XXXX, XXXX XXXX PA XXXX RE : Unauthorized Inquiry The purpose of my letter is to dispute the following inquiries that are wrong and unauthorized. Please remove them from my Transunion credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX 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 2025-04-21 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On the month of XXXX 2019 I order a product on the internet using CashApp to pay for the product. It was a portable washing machine to be set up in the bathroom. At first I didnt receive the product after filling a report with company and CashApp they would not refund the money stating they would resend the product. The product received was nothing like the advertisement. Requested a refund after returning the product and never received the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
Reinvestigation follow dispute Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately investigated. The inaccuracies are highly injurious to my credit report ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX Im accordance to FCRA public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified the information. Please follow up. Please send an updated copy of my credit report after reinvestigation.

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 2025-04-20 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:
On XXXX XXXX an XXXX XXXX credit card was fraudulently opened, nor received the card from said account. I looked up my credit report because I received a late payment on my report and noticed the multiple inaccuracies. I got in contact with the credit grantors twice the first time they froze the account but didn't remove the late payments or the account from my report. The second time I contacted the bureau they closed the account on XXXX XXXX which is what never wanted I wanted the account due to it being fraudulently opened and according to 15USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
XXXX accessed my personal data without my consent or explicit knowledge then proceeded to put a false negative account on my credit report without proper written notification to my legal address. 

This company did not give me the opportunity to adequately dispute nor did they verify that the debt was accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-04-20 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:
XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: CO

Complaint narrative:
I am disputing the reporting of a business credit card account issued by XXXX & Capital One that recently appeared on my personal credit report. I was the personal guarantor on the account, and I understand the cardholder agreement may allow for personal reporting after delinquency. However, this account was never previously reported during its active use and was used exclusively for business purposes. I believe the sudden reporting of only the negative history misrepresents the nature of the account and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically in regard to maximum possible accuracy, fairness, and the classification of consumer vs. business obligations. I have submitted formal disputes and received no documentation to validate the personal reporting under FCRA standards. Please see the attached letter for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
Credit I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below Credit I looked at my account on XXXX  XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below because progressive account number XXXXXXXX XXXX XXXX  date XXXX  shows date opened XX/XX/XXXX and date last active as of XX/XX/XXXX XXXX  Shows date opened as XX/XX/XXXX and the last date of activity on this account XX/XX/XXXX. I am asking you to reinvestigate this account progressive XXXX XXXX XXXX XXXX XXXX Account I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XXXX i write down a check about XXXX XXXX  to my wife ( XXXX XXXX XXXX ) form my BOA company account ( XXXX ), and my wife deposit check on here BOA mobile app, XXXX {$1000.00} is out XXXX XXXX XXXX never get it XXXXXXXX XXXX i try to call BOA customer service from my company, they say XXXXXXXX XXXX is out! send it to someone already, they not the XXXX BOA XXXX problem, you have to call service from XXXX XXXX XXXX BOA XXXX XXXX, I used XXXX XXXX XXXX XXXX call a service, they say we never get this check, never have it transition, you have to let XXXX call a service..... 
XXXX! 

they checking department try to cancel it for me, but they say XXXXXXXX XXXX is out, we cant do it! \ i wan na know where is my XXXXXXXX XXXX? i need it back, 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 explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: New Hampshire Northeast Credit Services, Inc.
State: NH

Complaint narrative:
A request for proof of debt was mailed to the debt collector by certified mail. They signed for it on XX/XX/year>. As of today, XX/XX/year>, I have not received any response. I have the signed read receipt that was sent back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below XXXX  I looked at my account on XXXX XXXX XXXXXXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date XXXX shows date opened XX/XX/XXXX and date last active as of XX/XX/XXXX Experian Shows date opened as XX/XX/XXXX and the last date of activity on this account XX/XX/XXXX.I am asking you to reinvestigate this account XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Account I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into this matter.

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