vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Dave Operating, LLC
State: CA

Complaint narrative:
I had filed a dispute claim with Dave App in almost {$80.00} in unauthorize transactions there were XXXX XXXX charged for in app purchases for it it XXXX game. and XXXX XXXX first one was for {$25.00} and the second one was for {$10.00} for Golden Hearts Games. Dave Bank App provided me with a 10 business day timeframe to try to resolve my claim and to provide me with provisional credit. Within the 10 day timeframe I was provided with final credit for all the unauthorize XXXX XXXX Transactions and for the {$10.00} XXXX XXXX XXXX transaction. They then reversed the {$10.00} refund and never provided the {$25.00} refund. They said because they use AVS address verification service and that my home address on file with them is on file with XXXX along with cardholder multiple balance inquiries with no disputes filed First of all there findings are irrivelant Just because they found transaction or whatever on other debit cards ect is none of there business secondly it surly doesn't mean that I made or authorized the transactions if so I'd obviously have more than just two. I only have those two since I have been banking with XXXX XXXX not to mention assumptions should never be made because I have filed disputes with other debit cards with transactions from XXXX XXXX XXXX.Not to mention if information that XXXX  provided them was there excuse as to why they refused to issue me my money back. It's obviously not a very good one because XXXX shot have also provided them with similar information for the Hit it XXXX transaction. FYI issues like this sadly is something that I pretty much go through on the daily basis for the simple fact that I am and have been for well over XXXX yr a victim of identity theft, online fraud and online terrorism due to me some how being part of data breaches and my personal information being on the Dark Web This is ex why I get so angry when I have to file a dispute then have to fight to get my money back because assumptions were made. Whoever made the transactions once again clearly have any and every piece of personal information of mine as it's all on the Dark Web. So one again I am kindly asking for my money back and not willing to play there ridiculous game by then wanting me to provide them with a police report or some sort of proof from this game as it won't be provided to me if I don't know the game account information it's only common sense. Last but not lease I surly wasn't required to provide all this information for the XXXX XXXX XXXX

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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: PA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: MD

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All 10 of my loan accounts with XXXX are current and in forbearance. All 10 reported 30, 60 and 90-day late status on all accounts within one week. It was verified on XX/XX/year>. This is completely devastating to my credit report and I can not get any answers.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All XXXX of my loan accounts with XXXX are current and in forbearance. All XXXX reported 30, 60 and 90-day late status on all accounts within one week. It was verified on XX/XX/year>. This is completely devastating to my credit report and I can not get any answers.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All 10 of my loan accounts with XXXX are current and in forbearance. All 10 reported 30, 60 and 90-day late status on all accounts within one week. It was verified on XX/XX/year>. This is completely devastating to my credit report and I can not get any answers.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting Act. The company that listed these addresses on my credit file has violated my federally protected consumer rights to privacy and confidentiality under 12 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting Act. The company that listed these addresses on my credit file has violated my federally protected consumer rights to privacy and confidentiality under 12 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to bring to your immediate attention the concerning findings upon reviewing my credit report. After a thorough examination, I have discovered a significant amount of inappropriate, misleading, inaccurate, and incomplete information that has been reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I believe an individual who has posted on platform XXXX using the name XXXX XXXX is fundraising based on her own XXXX XXXXXXXX XXXX XXXX XXXX XXXX by calling a XXXX XXXX old child the XXXX XXXX XXXXXXXX ). This individual frames that her fundraising will be used to provide security services in the wake of viral social media airing of video showcasing her own willful and concerted actions and words and resulting public outcry. As I am aware, she has raised approximately {$600000.00} thus far, having surpassed her original goal of {$500000.00} and has not raised her goal to {$1.00} XXXX. The platform XXXX  allows individuals to use United States banking and wire transfer services to contribute to this fundraising campaign and will likely distribute those funds to this individual. I do not believe she should profit from this potentially criminal activity of XXXX XXXX XXXX XXXX 

XXXX is owned by parent company Block , Inc. which is set to collect and distribute the funds received from contributors to XXXX XXXX via the wire transfer services of company Square , Inc. and XXXX XXXX XXXX Because these entities have publicized that they reserve the right to remove any business that encourages unlawful XXXX toward any group based on XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX immutable characteristic and prohibit transactions, like these, that involve hate speech, I believe the campaign should be shut down immediately.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issue : Incorrect late payment reported on my credit report due to autopay setup failure. 

What happened : I recently opened a new credit card account with Bank of America and set up automatic payments online. I believed the autopay setup was completed, but it apparently did not go through. I did not receive any emails, phone calls, or mailed notices from the bank regarding a missed payment. 

I only discovered the issue when I checked my credit score on XXXX XXXX and saw it had dropped by nearly XXXXXXXX XXXX. Upon investigation, I found that Bank of America reported a 30-day delinquency to the credit bureaus. 

This was extremely shocking to me, as I have never missed a payment on any account, including my mortgage, which are all on autopay. I immediately contacted Bank of America and sent a goodwill letter explaining the situation, but they refused to remove the late payment, stating they are not at fault. 

What I am requesting : I respectfully request the removal of this 30-day late payment from my credit report due to the following : I was under the impression autopay was correctly set up. 

I received no warning or notification about the missed payment. 

I have a strong and consistent payment history with no prior delinquencies.

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: FL

Complaint narrative:
I am a victim of identity theft and did not authorize or make the disputed charges. I respectfully request that these charges be removed from my account. 

Pursuant to 18 U.S.C. 8, I owe no debt related to these transactions. Additionally, this company is violating my consumer rights to privacy under 15 U.S.C. 1681b ( 2 ). Furthermore, the company does not have my permission to report any information using my personal details, as outlined in 15 U.S.C. 1681 ( 4 ).

I trust you will take immediate action to resolve this matter in compliance with the law. Thank you for your attention.

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : 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 2025-05-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/scrub>XXXX XXXX XXXX I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I got an email stating there was an alert on my account from XXXX XXXX and XXXX So I contacted them and they told me to call the bank called PNC Bank Consumer Lending and they say there is no way for me to file a dispute nor has a complaint dept. They say they can't find the transaction but 2 days ago they could find it. Please force them to dispute the transaction done on XX/XX/year>. My social is XXXX, and phone is XXXX my address is XXXX XXXX XXXX, XXXX XXXXXXXX XXXX CO XXXX. Please help me dispute the fraud done to me asap. Thank you for your help.

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: MD

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 2025-05-06 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: MD

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: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery thinks they are above the law they continually do repeat phone calls daily several times a day if you tell them the stop they contact third party and discuss your information on your account secondly they call several times a day it's close to XXXXXXXX XXXX as a possible can and they do it several times a day, they refuse to stop

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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