vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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 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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
Someone sent money to a cash app account using my name and XXXX in the amount of {$76000.00}. I received a notice from my lawyer that I didnt do my XXXX taxes, which I did. The IRS received a XXXX in my name. The money was sent to a cash app. I never received this money nor did I work for another employer. I had a full time job already and this was also during XXXX and everything was shut down. I have been dealing with cash app or lack of for XXXX months and they keep sending me back to their sister company XXXX XXXX XXXX. I need this taken care of so I can have my life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX5 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX5 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-28 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally address and dispute multiple unauthorized accounts and inquiries that appear on my credit report from Equifax, Transunion, and Experian. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING!. The addresses and names for each credit bureau should match and they dont!

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-04-28 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: SC

Complaint narrative:
I am writing to formally address and dispute multiple unauthorized accounts and inquiries that appear on my credit report from Equifax, Transunion, and Experian. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING!. The addresses and names for each credit bureau should match and they dont!

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: NY

Complaint narrative:
This matter is not about the validity of the original XXXX transaction. 
This is about unauthorized account action taken on XX/XX/year>, and subsequent deception regarding Discover Banks handling of evidence and its communications with the CFPB. 

Key Violations That Are Being Ignored : On XX/XX/year>, Discover Bank submitted a redispute without my authorization, despite incomplete or missing documentation. 

Discover representatives confirmed in multiple calls that my updated documents were not located prior to the redispute submission. 

Discover later misrepresented the status of my documentation to the CFPB. 

Discovers " responses '' to this serious regulatory violation have been generic form letters, blatantly ignoring the unauthorized action at the center of this complaint. 

Bad Faith Pattern : Since the filing of my new complaint, Discover Bank has : Repeatedly issued nearly identical replies that only address the original ACH dispute, not the unauthorized redispute. 

Failed to engage with the actual facts presented regarding the XX/XX/XXXX unauthorized action. 

Ignored clear, documented evidence that shows mishandling and procedural misconduct. 

Attempted to exhaust the complaint process through repetitive, irrelevant responses a clear example of bad faith and abusive complaint handling. 

Discover Bank has a documented history of mishandling consumer disputes and providing misleading responses to regulatory agencies, as evidenced by prior CFPB enforcement actions. This is part of a known pattern. see attached files

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have XXXX prepaid XXXX debit gift cards, that list XXXX XXXXXXXX as the contact. I first went online, the first card shows a {$0.00} balance when I entered the card information but the second says it can not be located. I tried to get a transaction history for the card it could find, but none showed up online and when I tried to talk to someone on the phone they said they couldn't give me any information since my name wasn't on the gift card. They requested that I fax them the front and back of the card, a long with my government issued ID to 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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a formal complaint against Capital One for inaccurately reporting late payments on my credit reports across XXXX, XXXX, and XXXX. 

Capital One has incorrectly reported XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. I dispute the accuracy of these reported delinquencies, as my records show that payments were made within the terms required. This reporting is damaging to my credit and is a violation of the Fair Credit Reporting Act ( FCRA ). 

Key Issues : XXXX. Inaccurate Reporting of XXXX Late Payments : Capital One reported a XXXX late payment for XX/XX/XXXX and another for XX/XX/XXXX to XXXX XXXX XXXX XXXX. 

I dispute these late payments, as I made payments timely and within the agreed terms. 

Reporting an account as late when it was not late is misleading and constitutes inaccurate reporting under the FCRA. 

XXXX. Failure to Properly Investigate My Dispute : I have disputed these inaccurate late payments, but Capital One 's response was insufficient and lacked a proper, reasonable investigation, violating XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). 

The comment on the report shows " consumer statement item in dispute by consumer investigation completed consumer disagrees, '' indicating Capital One failed to substantively verify the late payment claims. 

XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX ( b ) Duty to Assure Maximum Possible Accuracy : Capital One failed to ensure the maximum possible accuracy by reporting inaccurate late payments. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Duty to Provide Accurate Information : Furnishers like Capital One are prohibited from providing inaccurate information to the credit bureaus. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Duty to Reinvestigate Disputed Information : Capital One failed to conduct a proper reinvestigation of my dispute regarding the inaccurate reporting. 

Legal Precedent Supporting This Complaint : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court held that credit furnishers must conduct reasonable investigations into consumer disputes and can not blindly verify inaccurate information. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Mich. XXXX ) Furnishers and credit bureaus can be held liable when late payments are falsely reported and not corrected after a dispute. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) The court ruled that creditors are responsible for ensuring the accuracy of reported information and correcting errors promptly after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 a XXXX  of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2025-04-28 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: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/year>, I deposited {$9600.00} in cash from selling our car at a U.S. Bank branch. The next day, I noticed that my online banking access was not working. I went to the branch, where I was informed that my account had been closed and that a check would be mailed to me. When I asked for my balance, the teller told me it was only {$1.00}, even though I had just deposited {$9600.00} the day before. 

After further investigation with branch managers, it was discovered that my account was already closed before I made the cash deposit. The employee should never have accepted my deposit into a closed account, but they did. 

Since then, U.S. Bank has placed a hold on my deposit, citing a " review, '' without providing a clear timeline for when I would receive my money. I have contacted U.S. Bank multiple times, minimum once every day, but I have only been told that my funds are still under review or that there is nothing they can do. 

It has now been over XXXX days since my account closure, and my funds remain inaccessible. No written explanation has been provided. No communication has been done, whenever I call them they say that the account has not been closed yet due to the hold. I am trying my best to explain the whole situation but they just keep telling me to wait. The money inside the bank is the only money I have. Currently I am in a huge financial hardship due to this situation. I cant work nor do basic stuff without a car. 

I believe this mishandling of my deposit and the extended hold on my funds is an unfair banking practice and may violate regulations regarding funds availability. 

I am requesting immediate release of my {$9600.00} and a full explanation as to why my deposit was accepted into a closed account and why there has been such a delay in returning my funds.

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 2025-04-28 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: MD

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-28 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: KY

Complaint narrative:
XXXX XXXX paid XXXX taxes on my behalf in XX/XX/XXXX on a XXXX XXXX XXXX which I did not own in XXXX. I have sent all the paperwork they requested to prove it was traded in XX/XX/XXXX. They continue to harass me and my employer. My circuit court said I do not owe this and they will reimburse XXXX XXXX if they send them the proper paperwork. They change their story every time they talk to me. They are threatening to send me to collections for something I do not owe!! The XXXX dealership has spoken with them and sent all paperwork to prove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: MO

Complaint narrative:
I am filing a complaint against True Accord Corporation for reporting an alleged debt to the consumer reporting agencies without properly validating the debt as required by federal law. 

I submitted a formal written request to True Accord Corporation asking for validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( XXXX XXXX XXXX ). I requested full documentation including the complete chain of title, proof of ownership, itemized accounting of the debt, and confirmation of whether the debt had been securitized. 

Despite my timely request, True Accord Corporation has failed to provide the required validation and has continued to report this alleged debt to the credit bureaus ( XXXX XXXX and XXXX  ) without providing verification. Their continued reporting of an unvalidated, disputed debt violates the Fair Credit Reporting Act ( FCRA ), FDCPA, and Regulation F. 

As a result of their actions, inaccurate and unverified information is being furnished to the consumer reporting agencies, damaging my credit profile and causing financial harm. 
I am requesting that True Accord Corporation immediately cease all collection activities, delete the account from all consumer reporting agencies, and comply with all applicable federal laws. If they fail to do so, I intend to pursue further legal action for damages resulting from these violations.

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