vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: CO

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/year> my Checking Account was closed by Capital One AFTER I explained that the activity WAS NOT FRAUDULENT and COULD PROVIDE PROOF. My attempt was ignored and I wasnt given the opportunity to provide proof. 

XX/XX/year> a Direct Deposit was made into my closed checking account. I called Capital One on this day to have them honor the EXTERNAL TRANSFER OF FUNDS they had assured me my funds would be processed through only for the XXXX to start. They went back on their word and did not transfer my money via ETF. Then I was told that they would process a check within XXXX to XXXX business days. 

NO CHECK WAS EVER PROCESSED AND I HAVE NO ACCESS TO MY MONEY! 

Since then multiple XXXX in the CP department have told me XXXX. Theres nothing they can do for me XXXX. The Investigator has to CLOSED OUT my account XXXX. The Investigator HAS NO TIMELINE as to how long they can take to close my account so that my funds can be released via a mailed check. 

Due to the disregard of my situation, unfair closing of my account, nonchalant mannerisms of the Capital One staff, not having access to my money for over XXXX, NO TIMELINE PROCESSING PROTOCOL, and my distress : XXXX. I want the Investigators name. 
XXXX. I want the Investigator reprimanded. 
XXXX. I want Capitol One fined. 
XXXX. I want an official apology. 
XXXX. I want their protocol examined and updated. 
XXXX. I WANT MY MONEY TODAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I was suddenly told that my PayPal account was closed. Then, when I called, a woman reviewed it very briefly, and she said shed ask for a review. Then, I was asked for more information my phot mo Id, a bank statement, proof of address, and a description of transactions in the past month. I supplied this requests. Then my account was still deemed closed. They said I violated terms and had suspicious activity. I asked for more information, but I was told that broke terms. WHAT term exactly?! What is the suspicious activity? I deposited money into my savings and I used my debit at the grocery store for purchases and returns. They said they hold my funds for XXXX days. Im now trying to stop auto investing and auto deposits I have, but I dont have access to that, as my account is restricted. I have XXXX XXXX in my PayPal savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I am a victim of XXXX  which has resulted in numerous accounts and information being reported on my credit that does not belong to me at all. These inaccuracies have truly damaged my credit profile

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 2025-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
XXXX XXXX ( Comenity Bank ) are required to send a monthly bill, but they continuously skip a month and when I receive a bill a month later there is a late fee involved. I have spoken with them about this matter, but it has happened again. I received a bill on XXXXThey waived the fee when I complained about, but I beleive it's happened several times, before I became aware of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
hello I have tried to update my information to Experian credit report agency, especially my address where Im living over 6 month but no luck, I have updated my info in my bank accounts, but in credit bureaus didn't updated yet, so please help me to fix this

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 2025-04-29 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: Block, Inc.
State: PA

Complaint narrative:
I purchased a balloon house on XXXX and the site was fraudulent. Told my bank that they charged me like 8 times in XXXX minutes and they denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

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

Company 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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
XXXX sold my information to XXXX without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I disputed the XXXXXXXX XXXX  account and it was reinserted without any notice, which violates FCRA 611 ( a ) ( 5 ) ( B ). The account was also re-aged, showing a newer charge-off date than the original delinquency, in violation of FCRA 623 ( a ) ( 5 ). Despite my dispute, the company willfully verified inaccurate and misleading information, violating FCRA 611 ( a ) ( 1 ) ( A ). They also removed the dispute notation without resolving the issue, which violates 623 ( a ) ( 3 ). This matches the same pattern of misconduct the CFPB sued Experian for in XXXX  I submitted a sworn affidavit, declaration of harm, and a cease & block demand. These violations caused financial harm and emotional distress.

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 2025-04-29 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, and this collection account was opened without my knowledge or consent. It is damaging my credit and must be removed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
in XXXX XXXX XXXX XXXX took out a plus loan for my son. total about XXXX then Sally May split into Navient. Navient, said we made a phone call and said we wanted a. said we wanted a forbearance or a deferment this never happened its fraud I asked for the recording never received. I sent certified mail to the Florida Department of education. This went all the way to XXXX when everything stopped because of Covid this has been paid in full and plus some my next car will be to the Florida Department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MI

Complaint narrative:
This is a follow-up regarding my previous dispute concerning the inaccurate negative item currently being reported on my credit file. I am formally advising you that XXXX has already completed their investigation and resolved this matter by permanently deleting this item during our very first dispute. 

XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX What are you waiting for?

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
My credit was pulled by Xactus-Avantus/XXXX  after I told them not to. My wife was applying for a loan on a house that she was buying In her name only. And we made it clear that I didn't want to have anything to do with it and didn't want my credit pulled. Well they did it anyway without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I disputed the reporting of my XXXX XXXX account ( Partial Account XXXX. XXXX ) with Experian, Equifax, and XXXX due to numerous inconsistencies. 

Issues included inaccurate late payment reporting XXXX XXXX XXXX, missing XXXX XXXX XXXX XXXX XXXX XXXX, incorrect or missing Date of First Delinquency XXXX XXXX XXXX, inconsistencies in Account Status, and discrepancies in balance and special comments. 

Despite my detailed dispute, the credit bureaus failed to perform a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ). 

The inaccuracies persist, causing damage to my credit profile and exposing me to financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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