vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: IN

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 2025-04-11 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: SC

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 2025-04-11 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: SC

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 2025-04-11 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting a formal complaint regarding Bank of Americas failure to properly process my dispute of unauthorized transactions, totaling {$4800.00}, in violation of Regulation E. 

On XX/XX/XXXX, I submitted a dispute with Bank of America for multiple unauthorized transactions made using my debit card. Although the bank acknowledged receipt of my dispute, it failed to provide a provisional credit within the required 10 business days, as mandated by Regulation E. 

I adhered to all procedures and provided the necessary information for the dispute. However, Bank of America denied my dispute on XX/XX/XXXX, which was the 5th business day following my submission. They did so without conducting a proper investigation. Furthermore, the bank claimed that because the claim was initially denied, they were no longer obligated to provide a provisional credit, despite the dispute being reopened the same day I provided additional crucial informationthat my phone, which contained my banking information and had access to XXXX XXXX, was stolen. 

Bank of Americas actions and rationale contradict the requirements of Regulation E, which clearly stipulates that a provisional credit must be issued during the investigation period, regardless of an initial denial. 

This mishandling and delay have caused significant financial distress and inconvenience. I am requesting that the CFPB intervene to ensure that Bank of America complies with the legal requirements under Regulation E and issues the appropriate provisional credit. 

Total Disputed Amount : {$4800.00} Date of Dispute Submission : XX/XX/XXXX Date of Denial : XX/XX/XXXX ( XXXX business day ) Date Dispute Reopened : XX/XX/XXXX Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IN

Complaint narrative:
I was told that my account would be closed after filing multiple disputes that were NOT authorized and were fraudulent transactions the disputes were denied and no credits were given at any time. I have called and filed multiple complaints and no one has responded back to me or addressed my concerns from chime at all. Chime is refusing to reimburse my funds although " visas policy '' is that the consumer has no liability for fraudulent transactions, i am homeless and my carwas broken into my car and otheritems were stolen. Although I seen the bax reviews and the lawsuit I still was loyal and kept doing business with chime. There is an entire tik tok page of people that have been scammed by chime and no matter the dispute process chime has their mind made up that they will sit back and do nothing while consumers lose money. I just want my money back I will take my business elsewhere

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I received a letter from a debt collection law firm claiming I owed a balance on a credit card. On XX/XX/scrub>XXXX XXXX XXXX I sent a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). In response, the company only provided a bank statement no contract, no proof of assignment, and no itemization of charges. 

Shortly afterward, I discovered that the company had filed a lawsuit against me in XXXX XXXX XXXX XXXX without first properly validating the debt as required. As of today, I have not been served with the lawsuit, but I found the case online. This feels like an attempt to intimidate me into default without giving me a fair opportunity to verify or dispute the debt. I believe my consumer rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
It should be only XXXX name and address on my credit report not XXXX different names and address 15 u.s.code1681

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 2025-04-11 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: TX

Complaint narrative:
It should be only XXXX name and address on my credit report not XXXX different names and address 15 u.s.code1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: OK

Complaint narrative:
I am writing in response to TransUnions latest communication regarding my original complaint. Their response is inaccurate and continues to mischaracterize the nature of my request. To clarify once again, I am not disputing specific items on my credit report. I am disputing TransUnions ongoing and illegal denial of access to my full and complete credit report. The document they mailed to meunder the pretense of fulfilling my requestwas blank and did not contain any actual credit information, which I have provided as evidence. Despite clearly stating the issue in my original complaint, TransUnion has chosen to ignore my concern and instead frame this as a dispute of specific itemswhich is entirely false and misleading. This appears to be yet another stalling tactic, and it represents a violation of my consumer rights under federal law. Under the Fair Credit Reporting Act ( FCRA ) : Section 609 ( 15 U.S. Code 1681g ) entitles consumers to receive a full and free disclosure of their credit file once every 12 months upon request. Section 611 ( 15 U.S. Code 1681i ) outlines a consumer 's right to dispute incomplete or inaccurate informationbut again, this is not applicable, as I have made no such dispute. Section 602 ( A ) states the need for fair and accurate credit reporting and the importance of protecting consumer rights. TransUnions repeated failure to provide my credit report is not only unacceptable, but it also directly violates these provisions of the FCRA. I respectfully urge the CFPB to investigate this matter further and hold TransUnion accountable for their refusal to comply with federal law and for obstructing my lawful right to access my own credit file. Thank you for your time and assistance in protecting consumers from these ongoing practices.

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 2025-04-11 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: SC

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 2025-04-11 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: CA

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 non-monetary relief
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
I am writing to formally dispute the presence of incorrect names on my credit report. After reviewing my report, I noticed the following names that do not belong to me. 

XXXX XXXX, XXXX XXXX These inaccuracies are negatively affecting my personal records, and I request immediate correction. Enclosed are copies of my government-issued identification and any other supporting documents that confirm my correct legal name. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to correct disputes and correct inaccuracies. I kindly request that you remove the incorrect names from my report and provide me with a corrected version. 

Please confirm in writing that this issue has been resolved. If I should pass away, my husband will have a hard time laying me to rest and obtaining our home, etc. Moreover, I think it is rather suffocating on the agencies relying on XXXX XXXX to provide information on the consumer to do their jobs for them.

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 2025-04-11 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: MA

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 2025-04-11 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: NY

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 XXXX 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 XXXX 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 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding a charged-off account that is being inaccurately reported by XXXX XXXX XXXX across the credit bureaus. After reviewing my credit reports, I have identified several issues that raise serious concerns and warrant immediate investigation and deletion of the account. 

Details of the issues include : XXXX. Inconsistent reporting The account reflects different date opened and last activity dates across XXXX, Equifax, and XXXX, which calls the accuracy of the data into question. 
XXXX. Missing payment history The tradeline shows no actual payment history, making it impossible to verify the accounts legitimacy or payment patterns. 
XXXX. Charge-off with no XXXX issued This account is being reported as a charge-off, yet I have not received a Form XXXX as required by the IRS when a debt is canceled or forgiven XXXX 
XXXX. Reporting an unpaid balance Despite being charged-off, the account is still reporting a balance owed. A charged-off debt should either be settled or transferred to collections, not continue to accrue or report an unpaid amount without clarification. 
XXXX. Dispute notation I did not initiate The account is flagged with a consumer disputes this account remark, even though I never filed a dispute regarding this account until now. This raises concerns about potential identity theft or unauthorized access to my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 discovered some incorrect entries on my credit report this morning and have no idea where they came from. I checked my report as usual, but to my surprise, I found unexpected errors. Refreshing the browser didnt help the false accounts remained. Thats why Im requesting a detailed examination of the documents I submitted, so I wont have to worry about this happening 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 explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IN

Complaint narrative:
I am submitting this complaint regarding a collection account reported by Hunter Warfield Inc. in the amount of {$250.00}. The account is listed as opened on XX/XX/year>, and the original creditor is identified as XXXX XXXX. This charge appears to be related to an apartment application and not an actual lease agreement or period of tenancy. I was never provided with proper documentation or explanation justifying this balance, and I dispute the validity of the debt. I believe this account was sent to collections in error or without appropriate notice, and it is negatively affecting my credit. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I have the right to dispute inaccurate or incomplete information on my credit report, and the furnisher of the information is required to conduct a reasonable investigation and correct or delete any unverifiable information ( XXXX ( b ) ). Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I have the right to request validation of a debt within XXXX days of being notified by the collector, and they are required to provide verification of the debt upon request. 

I am requesting that Hunter Warfield Inc. provide full documentation verifying the debt and its origin, including any application forms, signed agreements in ink, or invoices. If such verification can not be provided, I request that this collection account be removed from my credit report in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
I discovered a suspicious and unauthorized inquiry on my credit report this morning, and I am incredibly frustrated because I dont understand how it got there. I tried everything I could on my end, including refreshing the browser, but the problem persists. I need this investigated immediately, and Im asking that my submitted documents be thoroughly reviewed to prevent this from happening 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 explanation
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX 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 in to be removed. 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief