vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX. XXXX XXXX Credit card Number Account XXXX Opened XX/XX/XXXX Charge off Paid in settlement. {$6600.00} Closed XXXX XXXX Account number : XXXX Late payment XX/XX/XXXX -- XXXX XXXX was having a system error and would not let me pay the full amount on the phone due and I was given an undo late charge and THIS IS INACCURATE. 

XXXX XXXX XXXX XXXX Account number XXXX Late payment XX/XX/XXXX My ex husband changed the address without my permission & I did not receive notice that this was late. I do not want to be penalized for his deviousness anymore. 

XXXX. XXXX XXXX XXXX Account Number : XXXX -- Late payment XX/XX/XXXX This is my ex husbands card, I was not aware he had it or was using it and I divorced him for stealing money from my company and financial dishonesty. I absolutely should not be penalized for this and it needs to be removed from my credit immediately I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. 

According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2025-02-15 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:
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 explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
I am submitting this complaint regarding an issue with my U.S. Bank accounts following unauthorized transactions. 

On XX/XX/XXXX, three unauthorized transactions were made from my U.S. Bank account via XXXX in the amounts of {$10000.00}, {$2500.00}, and {$5000.00}. Upon discovering the fraud, I immediately visited my local branch on XX/XX/XXXX, to report the incident. At that time, I closed the compromised account and transferred my remaining funds into a new checking account at the same bank. 

Bank representatives assured me that I would still have access to my funds, though online banking would be restricted as a precaution. However, as of XX/XX/XXXX, U.S. Bank has completely blocked my access to my funds, stating that because the fraud occurred on my previous account, they are now restricting both accounts. 

This has left me unable to pay my employees, mortgage, and rent, causing significant financial hardship. I have been a customer of U.S. Bank since XXXX, maintaining a legacy account with them. I feel that I am being unfairly penalized despite being the victim of fraud. 

Additionally, I filed a police report on the day of the incident and submitted a copy to the bank in person for their records. If I had known my funds would be restricted in this manner, I would have never transferred my money into the new account and would have instead withdrawn it in full. 

I am deeply concerned about the status of my funds and request the CFPBs assistance in resolving this matter urgently. U.S. Banks actions are unjustly preventing me from accessing my legally owned money, despite following proper procedures to report and address the fraud. 

I appreciate your prompt attention to 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 explanation
Consumer complaint received 2025-02-15 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:
XXXX XXXX has been reporting late on my credit report with EXPERIAN. 
I have disputed this information with EXPERIAN and it continues to show as accurate information. UNDER 15 usc 168 ( a ) ( 6 ) ( b ) ( iii ) I am requesting the validity and accuracy of this investiagion in writing. As this is a violation of 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 2025-02-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXXXXXXExperian Information Services XXXX XXXX XXXX XXXX XXXX XXXXTo whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes.Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report.

Ensure that your procedures for verifying inquiries comply with the above federal statutes.

Send me an updated copy of my credit report reflecting this correction.

I have attached copies of my identification and proof of my current address for verification purposes.Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies.Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo identification document Proof of current address

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 2025-02-15 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-14 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: National Debt Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ] has continued to report inaccurate information on my credit report despite multiple attempts to correct it. I initially called and reported the issue, and they assured me they would remove it. I also provided a police report as supporting documentation. However, despite their assurances, the incorrect information remains on my credit report. This ongoing reporting is causing harm to my credit, and I request immediate action to correct this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Midland Credit Management XXXX XXXX for inaccurately reporting a collection account on my credit report in the amount of {$5400.00} Account number on XXXX # XXXX without proper notification or verification. I have never received any written notice regarding this debt, and I have no acknowledgment of its validity. 

Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 7 ) [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ], debt collectors are required to send a written notice at least 30 days before reporting negative information to a consumers credit file. Since I was never notified, this reporting violates my rights under federal law. 

I am formally disputing this account and requesting its immediate removal from my credit report. Additionally, I request that Midland Credit Management provide documented proof of the alleged debt, including a detailed account history and validation of the obligation. 

Please take immediate action to correct this violation and provide a written response outlining the steps taken to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Truist bank open a closed Credit card to deal with a Fraud case I had filed. I originally closed my credit card and debit card in XXXX of XXXX they reopened in XXXX of XXXX to deal with the fraud case when they reopened the account I was not made aware of nor gave consent. When they reopened yearly fees was put on the account. As I was not aware they had reopened I never paid it off. It accumulated for 6 months until it was closed again ; truist bank took the money out from my despite of a student credit card. And they have been fight on giving my money back and fixing my credit scores since XXXX. Now theyre saying I owe {$33.00} from when I had closed something that never has come up. They claim I made a payment on the credit card in XXXX of XXXX same amount as fraud case. ( I believe it was to prevent damage to XXXX scored ) but I hadnt heard of this nor recall due to a concussions until today XX/XX/XXXX they dont want to refund my {$80.00} for yearly fees and Interest Fees put on a account I had closed on a months Prior in person ( while also putting a fraud case on that same card ) and have been fighting to fix their mistake for the last 2 years with me not giving me a refund on the {$80.00}

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 explanation
Consumer complaint received 2025-02-15 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a credit for a flight on XXXX XXXX on XX/XX/XXXX of {$6500.00} x XXXX persons due to an illness. It was credited back on the credit card, Capital One XXXX. I called Capital one on XX/XX/XXXX to get a check sent to me and they said it would take a week. I called back a week later and they said because of the amount of the credit, it would take 10 days. I called back today XX/XX/XXXX and they told me it was actually 15 days and that 15 days wouldn't be until XX/XX/XXXX. They would review it then and issue a check within 10 days and mailing it would take another 10 days. 

The length of time that Capital One has held this money back from returning to me is unwarranted and the time requirements to issue the return is extreme. I am a long time customer of Capital one and hold an excellent credit rating. The money returned from XXXX XXXX is legitimate and will not be called back. There is no reason for them to take XXXX weeks to return money to me. I have called 3 times and all they can say is they have requested a review and they will get back to me. 

Please help me get my money back and require them to be more diligent and responsible in returning their customer 's money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is showing late payment on my account. I have never been late on this account or any creditors. I have explained to rep that this account was XXXX balance and apperantly I was invoiced for interest charges and never received an invoice for it. 
I have requested multiple times for XXXX and EQUIFAX to reflect correct information and XXXX just responds by saying this account has been investigated and it's accurate. UNDER FCRA LAW 15 USC 1681 ( a ) ( XXXX ) ( b ) ( XXXX ) XXXX needs to provide a written investigation with the validity and accuracy of my account with them. As this has never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
XXXX is showing late payment on my account. I have never been late on this account or any creditors. I have explained to rep that this account was XXXX balance and apperantly I was invoiced for interest charges and never received an invoice for it. 
I have requested multiple times for TRANSUNION and XXXX to reflect correct information and XXXX just responds by saying this account has been investigated and it's accurate. UNDER FCRA LAW 15 USC 1681 ( a ) ( 6 ) ( b ) ( iii ) RBFCU needs to provide a written investigation with the validity and accuracy of my account with them. As this has never been late.

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 2025-02-15 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: CA

Complaint narrative:
For years dating back to XXXX, my personal name, date of birth, addresses, phone numbers, and email have been leaked in multiple data breaches. 
Some companies include Experian, Equifax, XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX. Someone has continued to use my information to try to open up accounts in my name. This unauthorized account and inquiries shall be deleted from my credit file indefinitely. 

Account : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-15 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cashapp has lied about having staff to help when calling XXXX number however they were fake employees. Could have taken my identity.

Company response to consumer: Closed with explanation