vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: CO

Complaint narrative:
Was told credit was frozen when it wasnt and continued to repull credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Did not consent to 3 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I previously disputed an account reported by AMEX to XXXX They claimed it was verified, but I never received any proof or documentation showing how they verified it. I believe this account is inaccurate or should not be on my report at all. Im asking for help to get this properly investigated or removed, as it's affecting my credit and financial opportunities. This should be removed I have a police report for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I have been disputing several accounts for over a year through both regular mail and online channels. These accounts are XXXX from XXXX XXXX XXXXXXXX are closed, paid in full, yet they continue to be reported as charge-offs, which negatively impacts my credit report. 

I have submitted multiple disputes to XXXX, Equifax, and XXXX, but I have not received any resolution, and the accounts remain unchanged on my report. I am requesting the removal of these accounts, as they are inaccurately reported and are preventing me from moving forward with the purchase of a home and a vehicle. 

It has now been over XXXX years since I began attempting to correct this issue without success.

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 2025-05-12 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: FL

Complaint narrative:
I have been disputing several accounts for over a year through both regular mail and online channels. These accounts are XXXX from XXXX XXXX XXXXXXXX are closed, paid in full, yet they continue to be reported as charge-offs, which negatively impacts my credit report. 

I have submitted multiple disputes to XXXX, Equifax, and XXXX, but I have not received any resolution, and the accounts remain unchanged on my report. I am requesting the removal of these accounts, as they are inaccurately reported and are preventing me from moving forward with the purchase of a home and a vehicle. 

It has now been over XXXX years since I began attempting to correct this issue without success.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Iam writing to challenge the reporting and compliance on an account with Midland funding That is being reported on my credit report with incorrect/ missing information I reached out to this company on XX/XX/year> I spoke to a representative. They told me this will be off of my credit report between 3 to 7 days. They also gave me a reference number. # XXXX It is XX/XX/year> and this account is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I dispute the mentioned debt and request verification as per the Fair Debt Collection Practices Act ( FDCPA ). I seek documentation that shows my agreement with the original creditor, a final account statement, a breakdown of the total amount owed, and details of any additional charges. 
Below are the accounts listed on my consumer report that are affecting my credit score, and I am disputing the debt that is claimed to be mine : Hunter Warfield Account Number : XXXX I request that this debt not be reported to credit agencies. If it has already been reported, please notify them of the dispute or remove the entry. Under the FDCPA, I ask that you cease further communication regarding this debt. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00}

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 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am a current XXXX XXXX XXXX customer but a bill from a debt collector just appeared on my credit report without any notification or verification of this debt I do not owe them anything I currently pay my bill every month .and I want this collection removed from my credit report asap. And TSI did not verify this debt or send any communication on this inaccurate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( FTC XX/XX/XXXX ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXXXXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXXXXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXXXXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA Federal Savings Bank paid the wrong payee of a check, failed to keep any readable record of who they paid the proceeds to, and now refuses to address the issue due to a form I was required to sign limiting complaints to 60 days from statement. That is consumer fraud. Because many check issues can not be discovered in 60 days, the bank effectively shields itself from negligence and wrongful action complaints through a shrink wrap form. I suspect this is systemic in the banking industry and amounts to a coordinated abuse of power.

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 2025-05-12 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: VA

Complaint narrative:
Refer to case : XXXX XXXX had adversely impacted me during this ongoing investigation which they have not responded to in writing. To my mailing address : XXXX XXXX XXXX XXXX, XXXX Va XXXX. 

This file available thru XX/XX/year> is not accessible to be downloaded on my devices. XXXX has posted to my report that no payment has been made during this ongoing investigation of loan forgiveness which I was approved for. XXXX never responded to any of my inquiries until I reached out to the CFPB. They just keep sending bills and I responded in writing on every bill. They didnt even acknowledge the forgiveness program prior to the CFPB involvement. And now rather than send an updated bill and letter of explanation, they hit my credit report in retaliation. My score was XXXX as proof that I pay valid bills when it is understood that the bill is actually valid. They must update my credit file and mail a letter of explanation that the bill is valid. They can not retaliate against me because I contacted the CFPB. They must also allow time to make the payment once the dispute process is over.

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 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My name is XXXX please deactivate this Zelle email account or block it or restrict or limit it because this user is scamming people and doing fraudulent etc.their information is XXXX XXXX XXXX XXXX XXXX XXXX Zelle XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
TransUnion failed to address the issue in CFPB case XXXX. 

PLEASE ESCALATE THIS TO A VICE PRESIDENT LEVEL POSITION. 

This is a new request to reinvestigate the FRAUDULENT hard inquiries listed in my previous/current complaint/dispute. 

The following is my complaint : The following are fraudulent inquires that need to be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I am attaching a letter from all these creditors authorizing the removal of all these fraudulent credit inquires from my credit file. 

In your response to CFPB case XXXX regarding this same issue, you failed to investigate the FRAUDULENT hard inquiries and you failed to review/acknowledge the letters from the creditors stating that the inquiries are fraudulent and to remove them as they have tried removing them on their end.

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 2025-05-12 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:
In XX/XX/XXXX, I tested positive for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), which significantly impacted my health and financial situation. As a result, I experienced temporary hardship that affected my ability to make XXXX on-time payments to XXXX XXXX XXXX on my auto loan account ( opened in XXXX, closed in XXXX ). Despite eventually bringing the account current and paying it off, the late payments continue to negatively affect my credit report. 

In XX/XX/XXXX, I submitted a formal goodwill request to XXXX XXXX XXXX, asking them to consider removing the late payments as a courtesy due to the extenuating medical and financial circumstances caused by the pandemic. They declined the request, even though I provided documentation and maintained a positive payment history afterward. 

I am requesting that this matter be reviewed again, taking into account the health crisis I endured and my efforts to resolve the account responsibly. I have documentation of the XXXX  test and can submit it upon request.

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 2025-05-12 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:
In XX/XX/XXXX, I tested positive for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which significantly impacted my health and financial situation. As a result, I experienced temporary hardship that affected my ability to make XXXX on-time payments to XXXX XXXX XXXX on my auto loan account ( opened in XXXX, closed in XXXX ). Despite eventually bringing the account current and paying it off, the late payments continue to negatively affect my credit report. 

In XX/XX/XXXX, I submitted a formal goodwill request to XXXX XXXX XXXX, asking them to consider removing the late payments as a courtesy due to the extenuating medical and financial circumstances caused by the pandemic. They declined the request, even though I provided documentation and maintained a positive payment history afterward. 

I am requesting that this matter be reviewed again, taking into account the health crisis I endured and my efforts to resolve the account responsibly. I have documentation of the XXXX test and can submit it upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
A Validation Request and Cease & Desist letter was sent more than once to each company. The debt was sold and the company was paid. Continuously receiving calls and mail on a debt that I did not sign a contract or agreement binding me the obligation. The calls are aggressive and back to back. Almost everyday, including weekends ( Saturday and Sunday mornings ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
This is For the XXXX Credit Card ( # XXXX ) with Capital One on on XX/XX/XXXX collected my payment with auto pay, then returns the payment. then makes more charges and late fees and interest charges. 
XXXX, XXXX Returned XXXX XXXX XXXX and XXXX XXXX interest XXXX XXXX autopay XXXX, XXXX Returned XXXX XXXX XXXX With past due XXXX plus interest XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INTEREST XXXX XX/XX/XXXX MOBILE PYMT XXXX XX/XX/XXXX RETURNED XXXX Mobile ACH PYMENT XX/XX/XXXX AUTO PAY XXXX XXXX PAYMENT RETURNED XXXX DUE FEE XXXX XX/XX/XXXX INTREST FEE XXXX I NEED HELP WITH THIS PEOPLE ARE A FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: 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 non-monetary relief
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX # XXXX -- - Opened : XX/XX/year>

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 2025-05-12 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: NY

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX # XXXX -- - Opened : XX/XX/year>

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