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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and possibly fraudulent entries on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report, and 15 U.S.C. 1681i, which requires reinvestigation of disputed information. 

I have identified the following accounts that are inaccurate or do not belong to me. I am requesting a full reinvestigation and removal if they can not be verified : XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX Some of these accounts are duplicated, and others may be the result of identity errors. As someone born in XXXX, I believe these accounts are not legally or factually attributable to me. 

Please conduct a prompt and thorough investigation of each item listed above. If any account can not be verified, it must be removed from my credit report as required by law. I request a written response outlining the results of your investigation within XXXX days, in accordance with 15 U.S.C. 1681i. 

I have enclosed a copy of my government-issued ID and a copy of my credit report with the disputed items highlighted. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-04-29 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:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and possibly fraudulent entries on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report, and 15 U.S.C. 1681i, which requires reinvestigation of disputed information. 

I have identified the following accounts that are inaccurate or do not belong to me. I am requesting a full reinvestigation and removal if they can not be verified : 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 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 XXXXXX/XX/XXXX Some of these accounts are duplicated, and others may be the result of identity errors. As someone born in XXXX, I believe these accounts are not legally or factually attributable to me. 

Please conduct a prompt and thorough investigation of each item listed above. If any account can not be verified, it must be removed from my credit report as required by law. I request a written response outlining the results of your investigation within XXXX days, in accordance with 15 U.S.C. 1681i. 

I have enclosed a copy of my government-issued ID and a copy of my credit report with the disputed items highlighted. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am disputing a debt being reported by Transworld Systems I. This debt originally came from XXXX and is from XXXX. I got the phone from XXXX in XX/XX/XXXX and switched carriers in XX/XX/XXXX. The balance of about {$530.00} was charged off by XXXX in XXXX and later sold to collections. 

This same debt has appeared and disappeared from my credit report multiple times over the years. It is now being re-reported by Transworld Systems I as a new collection account opened in XX/XX/XXXX, which is inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). 

Under FCRA rules, the date of first delinquency determines how long a debt can be reported. This debt became delinquent in early XXXX. Re-reporting it as a new account in XXXX is a practice called re-aging, which is illegal under FCRA Section 605 ( c ). 

I have documentation from XXXX showing when the account was opened and closed. I am requesting that the CFPB investigate and require the collector to either correct the reporting to reflect the original delinquency date or delete the account entirely from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding the mishandling of travel credits following a Capital One XXXX booking cancellation. On XX/XX/XXXX, I booked a round-trip XXXX flight ( outbound XXXX, return XXXX ) from XXXX XXXX  XXXX XXXX ) XXXX XXXX ( XXXX ), scheduled for departure on XX/XX/XXXX, and return on XX/XX/XXXX. This trip was subsequently canceled, and Capital One XXXX issued a credit of {$860.00}. 

Capital One XXXX 's documentation states the credit is valid for one year from the " date of issue '', but fails to define this critical term or provide a specific date. This lack of clarity creates ambiguity as to whether the " date of issue '' refers to the original booking date, the scheduled departure date, or the actual date the credit was issued. I reasonably assumed the validity period was tied to the departure date, and the continued display of the {$860.00} ( as of XX/XX/XXXX ) credit in my account reinforced this assumption. 

On XX/XX/XXXX ( within one year of the scheduled departure dates ), I attempted to use the credit to book a new flight but was unable to complete the transaction. Upon contacting Capital One XXXX customer service, I was informed that the credit had expired, with the expiration calculated from the original booking date. This explanation directly contradicts the ambiguous documentation and the ongoing display of the credit balance in my account. I contacted Capital One XXXX again on XX/XX/XXXX, and received unhelpful responses. While Capital One XXXX offered {$100.00} after acknowledging their error, this is an insufficient resolution. 

Capital One XXXX 's lack of transparent and consistent communication regarding credit terms, including the failure to specify the expiration date, send reminders, and the misleading display of the credit in my account, is unacceptable. This lack of clarity and contradictory information significantly impairs consumers ' ability to understand and utilize their entitled credits. I request the CFPB 's intervention to resolve this issue and ensure the full reinstatement of my flight credit ( {$860.00} ).

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I recently went through a background screening for a new company and on the report that was pulled showed a creditor by the name of Genesis XXXX XXXX that outlines a debt owed for a past apartment complex that I lived at. Itemized statement along with photos, documents, ect were never received for those charges that are now on my credit report. When I moved out, I emailed the property manager at the complex to notify them that the unit keys were in the apartment and they had possession of the unit, I requested the itemized statement be emailed to me within 14 days after my moveout date but never received the statement and now I have a huge amount owed that is not justifiable.

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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
The account is showing as a repossession. The vehicle is not repossessed and in addition to that, the vehicle has been PAID OFF IN FULL. The vehicle was in an accident; totaled and paid in full by the insurance company. The account is reporting on my credit report incorrectly. Please remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I sent a formal request for debt validation to Portfolio Recovery Associates LLC under the Fair Debt Collection Practices Act ( FDCPA ). This request included a demand for proof of the debt, including itemization of the amount owed, the original creditor, and any supporting documentation. 
I sent a second request to Portfolio Recovery Associates LLC on XX/XX/year>, as the information request was not received. 
Despite my multiple requests, I have not received the required validation or any response from Portfolio Recovery Associates LLC. 
In light of this, I sent a Cease and Desist letter requesting that all communication stop until proper validation was provided, and also requested the removal of this entry from my credit report. 

Actions Taken : I have made formal requests for debt validation and for the cessation of collection activities. 

I have also asked for the removal of the unverified debt from my credit report. 

I have followed all proper steps under the FDCPA in an effort to resolve the matter. 

Issues Experienced : The debt collector has failed to provide the requested debt validation or any supporting documentation. 

They have continued collection efforts despite my formal request to cease communication. 

The debt remains on my credit report without validation. 

I request that the company involved investigate this matter and take appropriate action. Specifically, I am seeking the removal of the debt from my credit report and the cessation of any further collection activities until proper validation is provided.

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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXX  Balance {$5800.00}, XXXX XXXX BALANCE {$3600.00}, XXXX XXXX BALANCE {$450.00}, XXXX XXXX XXXX BALANCE {$0.00}

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXX  Balance {$5800.00}, XXXX XXXX BALANCE {$3600.00}, XXXX XXXX BALANCE {$450.00}, XXXX XXXX XXXX BALANCE {$0.00}

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX reviewed my credit report and found the following item ( s ) to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months Account Name : 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 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Red River Credit Corporation
State: OK

Complaint narrative:
My name is XXXX XXXX and my brother XXXX XXXX apparently listed me as a reference for a loan company and defaulted on the loan. I did not know about this because I was never contacted to be verified as credible reference. The loan Company is Red River Credit out of XXXX. They have been constantly calling me asking me to have my brother call them. There has even been times where I get multiple calls and voicemails in a day. I am not the owner of this debt and do not know where my brother is currently residing. It has got to the point that I am about to send a cease and desist letter.

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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
Subject : Identity Theft Fraudulent CONTRACT CALLERS INC / XXXX XXXX Account Complaint Details : Dear CFPB, I am a victim of identity theft. My personal information was stolen, and a fraudulent account has been added to my credit report. I have never opened, authorized, registered, used, logged into, or made any payments toward this account. I have also never signed any documents or contracts related to it. 

This account is completely unauthorized and does not belong to me. 

Details of the fraudulent account are as follows : Debt Collector : CONTRACT CALLERS INC Original Creditor : XXXX XXXX XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/year> Balance : {$340.00} To support my claim of identity theft, I have : Filed a report with the FTC FTC Report Number : XXXX Filed a Police Report Police Report Number : XXXX ( attached to this complaint )

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:
This collection account is outdated and past the statute of limitations for reporting. It should no longer appear 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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