vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
I received a bill from XXXX in the amount of {$51.00} late last year despite never opening an account with them. I got in touch with their XXXX XXXX XXXX XXXX XXXX and was told to submit their filled out Affidavit Form along with a proof of residency and government issued ID, all of which I via email on XX/XX/XXXX. They opened ticket # XXXX for me. I never heard back from them despite them promising to get back to me in 2 days. I called them back and they said that the pay stubs showing proof of address weren't in the correct date range. So, I resent new pay stubs from the correct date range on XX/XX/XXXX. I once again never heard back from them. So, I called and they said that the date range was still not correct. So, I submitted additional pay stubs on XX/XX/XXXX, only to never hear back from them until I called on XX/XX/XXXX at which point they told me they never received the additional pay stubs I submitted on XX/XX/XXXX. I then sent XXXX total pay stubs covering the entire time frame they asked for hoping to put this to rest. I never heard back from them and I stopped calling, hoping they simply closed the issue on their end. I've now received a call ( on Friday, XX/XX/XXXX ) and a letter ( on Wednesday, XX/XX/XXXX ) from a debt collection agency named McCarthy, Burgess, & Wolff seeking payment of this XXXX XXXX. So, figuring the matter was clearly not settled, I once again contacted the XXXX XXXX XXXX XXXX team via phone, spoke to someone named XXXX, and they informed me once again that they never received the email of the pay stubs despite the fact that I've been sending it to the same email address each time. This is either extreme incompetence or aiding and abetting fraud.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. On [ insert date ], I submitted an Identity Theft Report to the FTC ( FTC Report ID : [ insert FTC report ID ] ) and notified the credit reporting agencies pursuant to the Fair Credit Reporting Act ( FCRA ), specifically section 605B, requesting the blocking of fraudulent information from my credit file.

Despite providing a valid identity theft report, proper identification, and a written statement disputing the fraudulent information, the credit bureaus have failed to remove or block the disputed items within the required 4 business days, in violation of 15 U.S.C. 1681c-2.

This failure is causing continued harm to my creditworthiness and financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure the credit reporting agencies comply with their legal obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a follow-up of complain XXXX. Bank of American rejected my claim based on false information as follows : XXXX. I had possession of the credit card. 
I told BofA 's fraud department at least twice that I didn't have possession of my credit card. 

XXXX. I had an authorized user. 
I added an authorized user in XXXX. The transaction in question was posted on my account on XX/XX/XXXX. I authorized the user days after XX/XX/XXXX. BofA had a record when I added an authorized user. 

XXXX. I clicked the button on the email from BofA to confirming I agreed with BofA 's rejecting my claim. 
There was no " agree '' button on BofA 's emails. There was only a " View details '' button, which I clicked to review BofA 's decision. I will attach the emails here. This is a blatant lie. 

XXXX. The transaction happened in the same city of my address. 
If a credit card was stolen, why the card was used in the same city is a reason used by BofA to reject a claim? 

I am attaching my original complain here : I have a Bank of America credit card. My card was stolen from me on XX/XX/XXXX. Someone swiped my credit card in an XXXX XXXX in XXXX XXXX for {$8700.00}. The transaction was posted on my account on XX/XX/XXXX. I told BoA XXXX Bank of America ) I didn't have my card, and I asked BoA to compare the signature signed and the one BoA has on record, and check Apple Store 's camera and see if I went into the store and who swiped the card, but Bank of America still rejected my claim. The following is BoA 's letter to me explaining why my claim was rejected : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-04-30 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: OK

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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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 2025-04-30 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 did not give consent for this inquiry to appear on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of identity theft. On [ insert date ], I submitted an Identity Theft Report to the FTC ( FTC Report ID : [ insert FTC report ID ] ) and notified the credit reporting agencies pursuant to the Fair Credit Reporting Act ( FCRA ), specifically section 605B, requesting the blocking of fraudulent information from my credit file.

Despite providing a valid identity theft report, proper identification, and a written statement disputing the fraudulent information, the credit bureaus have failed to remove or block the disputed items within the required 4 business days, in violation of 15 U.S.C. 1681c-2.

This failure is causing continued harm to my creditworthiness and financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure the credit reporting agencies comply with their legal obligations under the FCRA.

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: 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: TX

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, and TransUnion for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681e, and for using unverified third-party information to report a bankruptcy on my credit profile. 

Background : I discovered that all three major credit reporting agencies are reporting a bankruptcy ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report. I disputed the bankruptcy entries on all three reports, citing that the court itself does not report to the credit bureaus and therefore can not verify the information directly. 

In response to my disputes, I received generic verification letters stating that the information was " verified '' not by the bankruptcy court but by third-party vendors ( e.g., XXXX or similar data aggregators ). This practice violates FCRA Section 1681i ( a ) ( 2 ), which requires credit bureaus to conduct a reasonable reinvestigation and verify disputed information with the source of the information.

Violations : 1. Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) The credit bureaus failed to conduct a proper reinvestigation and relied solely on third-party vendors that do not have firsthand knowledge or legal standing to verify court records. 


2. Violation of 15 U.S.C. 1681e ( b ) They failed to follow reasonable procedures to ensure the maximum possible accuracy of my credit file, as they are not verifying directly with the source of the public record the U.S. Bankruptcy Court.

3. Violation of Rule 9037 of the Federal Rules of Bankruptcy Procedure Rule 9037 restricts publicly accessible bankruptcy information and redacts personal identifiers. The information that credit bureaus allegedly use is not supposed to be published in a format that ties me specifically to the case making any attribution to my credit report highly questionable and a violation of privacy standards. 


4. False Verification Claim The credit bureaus claimed they verified the bankruptcy, despite written statements from the U.S. Bankruptcy Court clearly stating that they do not verify or report bankruptcies to consumer reporting agencies.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, and TransUnion for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681e, and for using unverified third-party information to report a bankruptcy on my credit profile. 

Background : I discovered that all three major credit reporting agencies are reporting a bankruptcy ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report. I disputed the bankruptcy entries on all three reports, citing that the court itself does not report to the credit bureaus and therefore can not verify the information directly. 

In response to my disputes, I received generic verification letters stating that the information was " verified '' not by the bankruptcy court but by third-party vendors ( e.g., XXXX or similar data aggregators ). This practice violates FCRA Section 1681i ( a ) ( 2 ), which requires credit bureaus to conduct a reasonable reinvestigation and verify disputed information with the source of the information.

Violations : 1. Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) The credit bureaus failed to conduct a proper reinvestigation and relied solely on third-party vendors that do not have firsthand knowledge or legal standing to verify court records. 


2. Violation of 15 U.S.C. 1681e ( b ) They failed to follow reasonable procedures to ensure the maximum possible accuracy of my credit file, as they are not verifying directly with the source of the public record the U.S. Bankruptcy Court.

3. Violation of Rule 9037 of the Federal Rules of Bankruptcy Procedure Rule 9037 restricts publicly accessible bankruptcy information and redacts personal identifiers. The information that credit bureaus allegedly use is not supposed to be published in a format that ties me specifically to the case making any attribution to my credit report highly questionable and a violation of privacy standards. 


4. False Verification Claim The credit bureaus claimed they verified the bankruptcy, despite written statements from the U.S. Bankruptcy Court clearly stating that they do not verify or report bankruptcies to consumer reporting agencies.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account 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.

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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently looked at my credit report and realized that addresses were mine and that it showed that I had a bankruptcy and I never filed for bankruptcy. I need wrong addresses removed and the bankruptcy removed as well immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
Unfortunately this issues is larger than inability to pay my bill ( though this is currently happening ), so it'll make more sense to start at the beginning of the issue. 

In XXXX I had a fraudulent account opened under my name and social security number at CapitalOne. It was a 360 Checking account under a unemployment fraud scheme involving Colorado. I learned of this account and immediately had it closed. 

In XXXX  of XXXX I opening a XXXX XXXX credit card with CapitalOne. CapitalOne emailed my online banking information ( to log-in to this new account ) to the fraudulent email address on file. I immediately called and got this information removed from my account/changed my username. That said, it appeared that these two accounts were automatically linked.

I recently changed my legal name ( my old first name which is still on the CapitalOne account is XXXX/ same last name ) and before sending in the paperwork to change my name on my XXXX XXXX  account, I called CapitalOne to make sure that when I send my paperwork that it won't get mixed up in the system with the defunct fraud account. A technical support employee noted that I had two profiles and proceeded to remove social security information from the fraudulent profile. By doing so, this created a mismatch in the system. Right now the only way to search for this defunct fraud account is to ask CapitalOne to search my mailing zip code and my OLD name as written above. 

Because two profiles exist and there's conflicting information, their system has errored out. I now no longer have access to any online banking. I can not pay bills. I can not see my balance. I can not use any of the reward program ( like book travel through their travel portal or shopping page which was the sole reason I got said card ). I have called nearly daily since this issue arose, but no one from technical support/checking department/credit card department can help me. 

I have not had access to online banking for about a week and my bill is due on Saturday. Even their team that helps with billing via phone can not help me pay my bill. At this juncture, the only way to pay my bill is to wait for a paper statement and pay via check. This will be past my due date. 

I have spent about 8 hours ( perhaps more ) on the phone and spoken with XXXX employees- mostly getting passed around from department to department. Time aside- I don't know how to fix this issue and it appears that no one at CapitalOne can figure out what is wrong with my account!

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Several hard inquiries appear on my credit report, but I did not submit any applications. These are unauthorized and should be removed.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I went to check my credit profile and found some inquiries that are not mine.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I am writing to express my strong dissatisfaction regarding the recent issue with my account, specifically my information was exposed in identity theft .This company has tried to reach me numerous times and have harassed me on claims of an amount of {$2700.00} I do not owe. FCRA provides clear guidelines regarding the reporting and handling of consumer credit information, and I expect your immediate compliance.

Company response to consumer: Closed with explanation