vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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:
In XXXX of 2024 and XX/XX/year>2024 I called the company ( XXXX XXXX XXXX ) and asked for 1099C letter because the account is charged off threw the IRS this account was paid off my credit report shows charged off and closed Under act 15 USC 1681 ( e ) B this should not be on my credit report

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 2025-03-12 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:
My information was shared without Permission during data breach!

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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had a balance transfer from my XXXX XXXX  credit card towards paying off my Bank of America XXXX, but it was applied against my Visa  with Bank of America. This payment was for over {$10000.00} and my XXXX only has a balance of about {$90.00} while my XXXX has a balance of nearly {$12000.00}. 

I was told by two associates and a supervisor that my only options were either to refund my payment to XXXX XXXX  and to reprocess my balance transfer or they could move my payment from one card to the other, but it would take up to two billing cycles. 

The first option is not acceptable because a paid over {$500.00} as a balance transfer fee to process the balance transfer and would have to pay it again to get my funds processed to the correct account. 
The second option is absolutely insane, it should not take anywhere near two billing cycles. I bank with multiple banks and credit unions and ALL of the other ones have been able to move my payment from one of my accounts to another without issue. This is clearly an example of Bank of America trying to take advantage of their customers and pay more interest in the time it takes
them to move the payment. Anytime I have ever had a payment moved by another institution it was anywhere from instant to 2 business days.

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 monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: First Service Residential, Nevada, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX regarding the amount they stated I owed of {$1500.00} in fees. I was offered a payment arrangement for 6 months and asked for a written letter of the arrangement showing the amount and due dates they I called back in XX/XX/XXXX to inquire about the payment arrangement letter I did not receive and was told because I did not keep the terms of the agreement that I had to pay in full {$1800.00}. I advised I could not offered that and they told met to " get a loan ''. They advised I could see if my mortgage company would pay to release the XXXX to protect their stake in the property so I asked for the letter to be sent to XXXX XXXX  to demand payment during the call on XX/XX/XXXX and was told it would take 3 days for the letter to go out to XXXX. On XX/XX/XXXX I called to inquire if XXXX had paid {$1800.00} and was advised of a balance due. I called to mortgage company they advised they already made payment to release the lien but XXXX had added fees beyond the date of the original amount. XXXX demanded I pay {$1400.00} extra adding fees due to their delay in notifying my mortgage company from XX/XX/XXXX - XX/XX/XXXX for late fees and additional costs although their letter was dated XX/XX/XXXX. I sent an email to XXXX asking for the fees to be considered waived, with no response. On XX/XX/XXXX I called and they offered me a settlement amount of {$900.00} in full with no payment arrangement due by XXXX. I asked for the settlement request in writing and again by XX/XX/XXXX no letter of settlement was received and they are now giving me 2 days to pay {$910.00} or assess more fee and another XXXX on the property on XX/XX/XXXX. XXXX have refused to fax or email the copy of the letter to me or to XXXX XXXX XXXX so I could obtain a copy. They stated they do not have a fax machine and could not email it, only mail it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
requested validation of debt and original contract of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Demand for Deletion of Inaccurate Late Payment Reporting Violation of CARES Act and Consumer Protection Laws To Consumer Relations I am writing to dispute inaccurate information on my XXXX credit report related to the account listed below : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed Upon reviewing my report, I noticed that this account reflects two late payments reported in XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 60 days late ). This information is inaccurate and violates the CARES Act and my rights under the Fair Credit Reporting Act ( FCRA ). 

CARES Act Violation Under the CARES Act ( Section 4021 ), lenders were required to provide accommodations for consumers impacted by COVID-19. During this period, if a consumer was current on their payments prior to seeking an accommodation, the account should continue to be reported as current. Since this account was in good standing before these reported late payments, XXXX is legally required to remove these inaccurate marks. 

FCRA Violation Pursuant to 15 U.S.C. 1681e ( b ), XXXX is required to maintain maximum possible accuracy in consumer reporting. By continuing to report these late payments despite my efforts to dispute them, XXXX is in violation of this requirement. 



Please investigate this matter promptly and provide written confirmation once the inaccurate information has been removed. 

Sincerely, 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 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
This company contacted me and put a old debt on my credit report that is older than 10 years AND WAS removed before and is now sending me letter telling me they will sued me for a debt that was never verified to belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: VA

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-12 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: AL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2025-03-12 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: GA

Complaint narrative:
I am submitting this formal complaint against TransUnion, XXXX, and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included an account from XXXX XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 



Account in Question : Account XXXX : XXXX Account Number : XXXX Violations 1. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law.

2. 15 U.S.C. 6802 Financial Institutions Duty to Protect Privacy Under this statute, financial institutions and related entities are required to provide consumers with the right to opt-out of their personal information being shared with non-affiliated third parties. I was not given the opportunity to opt-out, nor did I provide consent for my information to be shared with Portfolio Recovery.

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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, so I purchased some concert tickets for {$470.00} on XX/XX/XXXX for a concert that was on XX/XX/XXXX at XXXX pm. On the morning of XX/XX/XXXX I realized we were not able to attend the concert due to an emergency so I reached out to the merchant XXXX over the phone the representative stated that as long as I called and canceled before the event time that I can receive a full refund and cancel my tickets so I went ahead and canceled the tickets and canceled the ticket insurance that was purchased as well. I received the cancellation and refund for the ticket insurance but not for the tickets and when I called back they basically did not want to help and told me a different story. So I called my bank Capital One and filed a claim dispute on the transaction since we did not go to the concert and canceled the tickets and did not receive the refund. Capital One opened a claim investigation and gave me temporary credit for the time being. Two months later in the beginning of XXXX, the bank sent me a letter stating my claim was denied and they charged back to my account the total amount. I called them to ask why and they said the merchant provided them with their refund policy which suddenly states no refunds and no exceptions which was not what the merchants representative told me over the phone and they still canceled my tickets and made them unscannable. If I knew this and this was accurate information I wouldve given my tickets to someone else or tried to sell them privately before the show. I called Capital One multiple times during all this time and tried to appeal the claim and they asked me to send in any information I have which I did, I sent them my ticket order invoice, I sent in my ticket insurance cancellation and refund, and I showed them all my phone calls with ticket master on the phone and who I spoke with but none of that mattered and my bank still told me they wont help me and now I lost {$470.00} which I feel like I got scammed now and neither the merchant nor my bank will help me out. Capital One should be helping me and be on my side as a loyal client for years who always pays on time so this is very unacceptable and unprofessional. 
XXXX XXXX # : XXXX Capital One XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a phone call that represented the local police department regarding an issue with my young daughter. This caller knew everything about my daughter and even gave me a police badge ID and name. He had a local XXXX area code number and told me that he would help me get my daughter out of jail. He told me that he would help get her out of jail asap but needed me to wire transfer or send me the bail money. I told him that I would have to call him back. I had his phone number and called back and asked if I could go in the jail to make the payment, he told me that I had to have the payment made ahead of time. I had no idea the process and trusted this man. I send him money via XXXX at his request. I immediately realized I was scammed after discussing with a friend and I called Bank of America to cancel the money transfer. I called within the hour. I spoke to bank representative who assured me that the bank had ways of reversing the payment and also would be able to talk to the other bank involved and stop the transfer or reverse it. Bank of America never followed up, instead I received a form letter in the mail informing me that they could not help me. I called Bank of America and then disputed and requested that the bank help me retrieve my money. they again sent me another form letter telling me they reevaluated and came up with the answer, they can not help me. I filed a complaint with the Texas Attorney General. I immediately got a call from bank of America, but they have not called back nor have they returned my last two attempts to reach them. Based on the Regulation E, Electronic Fund Transfer Act, Bank of America should have offered support to help me reverse this since I immediately realized it was a mistake, and they definitely have the means to stop a transfer or get the money back from the other bank. At least, they could do more to report this fraud and stop these scammers.

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 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I tried to buy spotify premium and it whould decline and I have the correct amount on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MS

Complaint narrative:
I would like my name to reflect what it is not something entirely different.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I would like my name to reflect what it is not something entirely different.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX for XXXX XXXX I am filing this complaint against Affirm Inc. regarding their refusal to remove late payments on my closed and fully paid accounts ( XXXX XXXX ID : XXXX and XXXX XXXX ID : XXXX ) despite multiple goodwill adjustment requests. 

Due to medical and financial hardship, I fell behind on payments. However, I have since recovered financially, and both accounts have been paid in full. I have reached out to Affirm on multiple occasions requesting a goodwill removal, but they continue to deny my request, citing an obligation to report accurate information. While I understand their responsibility, many lenders remove late payments as an act of goodwill for customers who have demonstrated financial recovery. 

The presence of these late payments is severely impacting my credit profile and my ability to secure a mortgage for my family. Affirms unwillingness to make a goodwill adjustment is creating unnecessary financial hardship, despite my efforts to maintain positive financial habits. 

I am requesting that the CFPB review this case and encourage Affirm to reconsider removing these late payments as an act of goodwill. 

I would appreciate the CFPBs assistance in ensuring Affirm follows fair credit reporting practices and considers my request for a goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingthe account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to dispute incorrect information on my credit report. The inaccurate data appears on my report and is negatively impacting my credit score. Specifically, the issue involves incorrect account balance, late payment that was on time. 

I have already taken steps to resolve this matter such as contacting the creditor, submitting a dispute through the credit bureau. However, the issue remains unresolved. 

I am requesting that the company investigate this matter and correct the inaccurate information as soon as possible. I am prepared to provide any necessary documentation to support my claim. Please confirm receipt of this dispute and provide an estimated timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MA

Complaint narrative:
I am writing to dispute incorrect information on my credit report. The inaccurate data appears on my report and is negatively impacting my credit score. Specifically, the issue involves incorrect account balance, late payment that was on time. 

I have already taken steps to resolve this matter such as contacting the creditor, submitting a dispute through the credit bureau. However, the issue remains unresolved. 

I am requesting that the company investigate this matter and correct the inaccurate information as soon as possible. I am prepared to provide any necessary documentation to support my claim. Please confirm receipt of this dispute and provide an estimated timeline for resolution.

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