vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BILL.COM, LLC
State: NY

Complaint narrative:
I have been locked out of my Bill.com account and have been unable to regain access despite repeated attempts to follow their recovery protocols. Their method of account recovery is overly burdensome and ineffective. It involves submitting personal documents through a non-transparent and unverified process, and there is no timeline or accountability for when access will be restored.

I have reached out to their customer support multiple times and received either canned responses or no reply at all. Their support team is only accessible through a login-gated portal, which is inaccessible if you are locked outcreating a XXXX that renders support effectively unavailable. 

My account holds sensitive financial data and possibly outstanding payments. The company has made no reasonable attempt to verify my identity through alternate means or provide a timely resolution. I am concerned about both the security of my personal and financial information, and the loss of potential payments and access to business records. 

Bill.coms failure to provide effective customer support, a functional recovery process, and timely communication has caused me significant financial and emotional stress. They are holding financial data XXXX through incompetence or willful neglect, and I believe this warrants investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
I am filling to dispute and request corrections to the following inaccuracies found in my account records : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
I am filling to dispute and request corrections to the following inaccuracies found in my account records : 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

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
My name XXXX XXXX XXXX I have a checking account in Umpqua bank In XXXX XXXX branch on XXXX XXXX XXXX California. My account no. XXXX send a wire on XX/XX/XXXX amount {$24000.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX branch XXXX was dealing this situation. Because up to today XXXX. Funds is not reached to XXXX XXXX XXXX XXXX. 
XXXX XXXX told me after 10 days filed dispute money will credit to my account 10 days are already done. But today XXXX XXXX give up and said bank saying no guarantee will give my fund back. Every other day we sending emails but no positive answer. XXXX XXXX said we did what ever we can do. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX No more help from Umpqa bank . 
Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Capital One Account number # XXXX has violated my rights. 

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 according to 15 USC 1681 ( e ) ( b ).
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
CFPB Complaint Draft Against AFFIRM INC Company : Affirm Inc Account Number ( last XXXX digits ) : XXXX Amount in Dispute : {$700.00} Date Opened : XX/XX/XXXX What Happened : Affirm Inc has been reporting this account inaccurately and unlawfully re-aging the debt on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The original date of delinquency was in XXXX, and the account was charged off as of XX/XX/XXXX. 

However, Affirm continues to report a fresh charge-off status every month, including as recently as XX/XX/XXXX, which is illegal. This practice extends the derogatory impact of the account and misrepresents the timeline of default, which is considered re-aging and is a direct violation of FCRA 605 ( c ) and 623 ( a ) ( 5 ). 

Additionally, Affirm has : Failed to update the account status after a prior dispute Provided no new activity or payments since XXXX Continued reporting a {$700.00} balance with {$0.00} payments and no resolution Repeatedly added charge-off entries months after the official charge-off date This inaccurate and damaging information is severely impacting my credit score and financial opportunities. I have already disputed this with the credit bureaus, and the item has remained unchanged, further violating my right to a reasonable investigation under the FCRA. 

Supporting Notes : Balance has been reported as {$700.00} since XX/XX/XXXX with no activity or change Charge-off status is being falsely reported every month from XX/XX/XXXX to XX/XX/XXXX Prior dispute in XXXX was closed without correction Payment history falsely implies ongoing delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MA

Complaint narrative:
I Recently pulled my credit card, and, noticed, that, Negative information are being reported by your Companya XXXX 
PLEASE. DELETE. 
THEY ARE FRAUDULENT.

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 2025-05-14 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: MA

Complaint narrative:
I Recently pulled my credit card, and, noticed, that, Negative information are being reported by your Companya XXXX.

PLEASE. DELETE. 
THEY ARE FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I Recently pulled my credit card, and, noticed, that, Negative information are being reported by your Companya XXXX 
PLEASE. DELETE. 
THEY ARE FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
I have noticed some accounts with inaccuracies. I have asked the CRAs for validation of debt, however the information have not been provided.

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 2025-05-14 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX * * Balance : {$0.00} Date Opened : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX * * * * Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX * * * * Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX  XXXX * * * Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX * * * * * Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MI

Complaint narrative:
I am submitting this dispute to formally challenge the accuracy and completeness of the payment history being reported on one or more of my accounts. After reviewing my credit reports, I identified several payment history entries that I believe are inaccurate and may constitute billing errors under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ).

To the best of my knowledge, I was not late on any of the reported payments. These negative entries are not only misleading but also having a harmful impact on my credit profile. I respectfully request that the company conduct a full investigation and, if appropriate, update the records to reflect on-time payments. 

This situation has caused me significant stress and is affecting my daily life. I am mentally and emotionally overwhelmed by the continued presence of these errors. 

I want to clarify that I am submitting this complaint and dispute personally. No third party is involved. I am simply asking for a fair and thorough review in accordance with applicable laws and consumer rights. 

Thank you for taking the time to review and address this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am a victim of identity theft. 

I am disputing a fraudulent account being reported by Hunter Warfield for {$5600.00} representing the name XXXX XXXX XXXX XXXX. I did not open this account, authorize it, benefit from it, or have any knowledge of it until I saw it listed on my credit report. The account number is XXXX. 

I submitted an official Identity Theft Report to the FTC on XX/XX/year> ( Report # XXXX ) and mailed a dispute letter directly to Hunter Warfield. I included : My FTC Identity Theft Report A copy of my ID A Notice to Furnishers explaining their responsibilities under the Fair Credit Reporting Act Despite this, the account is still being reported, and I have not received a response or resolution. 

I have never lived at the address tied to this account ( XXXX XXXX XXXX XXXX  XXXX ), and I do not know XXXX XXXX XXXX XXXX. I had nothing to do with this debt, and I am asking that this account be permanently deleted from all credit bureaus. 

Under the Fair Credit Reporting Act, Hunter Warfield is required to investigate and remove information they know or have reason to believe is the result of identity theft. Ive done my part by sending all the documentation. Now Im asking the CFPB to help enforce my rights and get this fraudulent account removed. 

This account is damaging my credit and interfering with my ability to move forward financially. I respectfully ask for your assistance in getting this resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: Global Lending Services LLC
State: GA

Complaint narrative:
My private information was shared with a third party without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, I prepaid {$340.00} online to XXXX for a vehicle rental. When I arrived at the pickup location, the agent asked me to sign once and provide a card for incidentals. I was told there would be no additional charge for upgrading to a van. No rental agreement was reviewed or presented, as I had already completed everything online. 

Later, a {$180.00} charge was added for insurance that I was never told about, never agreed to, and never authorized. I disputed the charge with Chase, but they denied my claim. 

After multiple calls and escalations, XXXX refunded the {$180.00} not because they admitted fault, but without explanation. Despite this, Chase still refused to take any action or reconsider the dispute. When I called Chase again, I was told theres nothing we can do and that the dispute was already reviewed even though it was clear they did not fully understand or consider the details of the situation. 

I am filing this complaint because I believe Chase did not properly investigate the dispute and failed to support me in a case involving an unauthorized and unfair charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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