vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
When my credit card hit it's limit of XXXX dollars. The company closed the account and wouldn't let me pay off the over balance before the account was closed. They added on {$5000.00} dollars in interest fees and {$470.00} in court costs. And {$500.00} in attorneys fees for mailing papers for the court. They mailed it to the wrong address and closed my account without allowing me to pay the monthly amount. The interest accrued and made it unpayable on an average income. They also sold my information to numerous companies to collect my debt and steal me data. This has caused me to have identity theft from my Suncoast account with someone charging my account XXXX  of dollars. They constantly call and harass me for the debt that they would not allow me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 explanation
Consumer complaint received 2025-05-06 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 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 explanation
Consumer complaint received 2025-05-06 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, 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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a balance transfer promotion with XXXX interest rate that ended on XX/XX/year>. When the statement was closed on XX/XX/year>, I paid the remaining balance in full by the due date, which was XX/XX/year>. 

However, Bank of America, the credit card issuing bank, imposed {$130.00} of interest and posted it to my account. 

Bank of America process and practices in this manner seems misleading at the minimum and fraudulent at the most. 

I have called Bank of America multiple times regarding this issue, but they are refusing to reverse this unfair interest charge of {$130.00}. I would like Bank of America to reverse this charge.

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 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
On XX/XX/year>, I transferred {$50.00} from Western Union shop in Virginia to a friend in XXXX. My friend could not withdraw the money because the XXXX  government stopped banks to deal with dollar transactions. Requested WU to refund my {$50.00} but they told me that I must provide my friend 's ; Full name, DoB, Birth country, and his ID number. I didn't have his information and it is not a requirement for me to withdraw the money. I provided the WU my Real ID card, the receipt of the transaction, the debit card used to pay and the XXXX  that I was issued at the time of transfer. WU insists that I will not receive a refund without providing my friend 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
Experian is reporting a late payment on the same XXXX XXXX account ( XXXX ), mirroring the same flawed and unverifiable reporting. Once again, the balance shows as {$0.00}, and I have not received any accurate explanation or documentation to support why this payment was marked late. The lack of transparency and evidence raises serious concerns about data handling practices and procedural negligence. Late payment indicators should not be arbitrarily placed or reported when theres no supporting 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 2025-05-06 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: V and H Portfolio
State: OH

Complaint narrative:
In XX/XX/2025, I submitted a formal dispute to XXXX  via Certified Mail ( Tracking # XXXX ). The letter included disputes regarding collection accounts being reported by Vance & Huffman and other furnishers. Along with the dispute, I included all required documentation : a notarized affidavit of identity, photo ID, Social Security card, and a utility bill to confirm my identity and address. 

XXXX  acknowledged receipt, yet failed to comply with the Fair Credit Reporting Act ( FCRA ). Rather than providing documented verification of the account ( s ) from the original creditoras required by FCRA 1681i ( a ) ( 1 ), 1681i ( a ) ( 2 ) ( B ), and 1681i ( a ) ( 5 ) XXXX  responded with a vague confirmation that the furnishers verified the information, without supplying any supporting documentation. 

Additionally, the data furnisher ( Vance & Huffman ) directed me to a login portal that showed a balance but explicitly stated No Supporting Documents. No contract, billing history, or legally sufficient proof was provided. According to the FCRA, digital references or internal logs are not valid verification. 

As of XX/XX/2025, XXXX  was confirmed to have received my dispute via certified mail and failed to provide a legally compliant response within the 30-day reinvestigation window. This delay and failure to supply evidence violates multiple sections of the FCRA and undermines my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
In XX/XX/year>, I submitted a formal dispute to XXXX  via Certified Mail ( Tracking # XXXX ). The letter included disputes regarding collection accounts being reported by XXXX XXXX XXXX and other furnishers. Along with the dispute, I included all required documentation : a notarized affidavit of identity, photo ID, Social Security card, and a utility bill to confirm my identity and address. 

XXXX  acknowledged receipt, yet failed to comply with the Fair Credit Reporting Act ( FCRA ). Rather than providing documented verification of the account ( s ) from the original creditoras required by FCRA 1681i ( a ) ( 1 ), 1681i ( a ) ( 2 ) ( B ), and 1681i ( a ) ( 5 ) XXXX  responded with a vague confirmation that the furnishers verified the information, without supplying any supporting documentation. 

Additionally, the data furnisher ( XXXX XXXX XXXX ) directed me to a login portal that showed a balance but explicitly stated No Supporting Documents. No contract, billing history, or legally sufficient proof was provided. According to the FCRA, digital references or internal logs are not valid verification. 

As of XX/XX/year>, XXXX  was confirmed to have received my dispute via certified mail and failed to provide a legally compliant response within the 30-day reinvestigation window. This delay and failure to supply evidence violates multiple sections of the FCRA and undermines my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 explanation
Consumer complaint received 2025-05-06 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 silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-06 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 silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-06 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:
I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX ( and any other bureau reporting this item ) for the inaccurate reporting of a civil judgment as an eviction, which is false, misleading, and in violation of federal consumer protection laws. 

The judgment in question stems from XXXX # : XXXX in XXXX XXXX XXXX XXXX, filed on XX/XX/XXXX, with a judgment amount of {$1400.00}. It was marked as Plaintiff ; Full Satisfaction on XX/XX/XXXX. The court document clearly confirms that this is a civil monetary judgmentnot an eviction. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to : Maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) Avoid reporting misleading or incomplete information ( 15 U.S.C. 1681i and 1681s-2 ) By coding or categorizing this item as an eviction, the credit bureau is misrepresenting the nature of the judgment, which may lead to discriminatory housing decisions and reputational harm. This constitutes a violation of the FCRA and causes undue harm. 

Demand for Correction : I demand immediate deletion or reclassification of this item on my consumer credit file. It must not be reported or inferred as an eviction. Failure to do so is considered a willful violation and subject to enforcement.

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 2025-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
3 years ago a XXXX XXXX account was opened in my name, I filed police report when I found out and since then the debt collection agencies just keep selling debt once they realize they can't collect on it, I have sent XXXX the police report filed for fraud, and debt was to be eliminated but there original collection agency sold the debt to another agency and when I informed them they stopped and again sold the debt to another company and now the collection is with jefferson Capitol LLC who is trying to collect it.i am tired of going threw this every 8 months with a new collection company, if I have to I will go to pd and get another copy of filed police report of fraud as I have misplaced original copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-06 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-06 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: AZ

Complaint narrative:
Equifax is reporting a charge-off from XXXX XXXX XXXX XXXX with account number XXXX in the amount of {$7800.00}. This is a serious and unsupported derogatory item that I have never received any proper validation or correspondence for. The manner in which this account is being reported gives the appearance of either careless data aggregation or potential misattribution caused by faulty data systemssomething increasingly common in the aftermath of widespread data breaches. Equifax has failed to furnish me with any evidence that this account is both legitimate and legally reportable. Without supporting documentation such as an original signed agreement, full payment and transaction history, or verification of the charge-off conditions, this tradeline is wholly unreliable. Reporting a charge-off of this size without properly backing it up is not just misleadingits a gross misrepresentation of my financial status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: WI

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me XXXX XXXX XXXX XXXX, {$250.00}, opened : XXXX XXXX, XXXX XXXX and XXXX, {$210.00}, XXXX XXXX Through the country XXXX, {$500.00}, XX/XX/XXXX XXXX  XXXX, {$22.00}, XX/XX/XXXX XXXX XXXX, {$530.00}, XXXX XXXX, XXXX XXXX XXXX XXXX, {$84.00}, XX/XX/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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX account # XXXX this account was closed XXXX XXXX XXXX  see attachment. Can you please delete this from my credit report immediately or I will take legal action according to FCRA section 605B it is illegal to report information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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