vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: NC

Complaint narrative:
Experian is reporting a XXXX late payment for XX/XX/XXXX on my XXXX XXXX XXXX XXXX credit card account. 
I was never late on this account and have always paid at least the minimum payment on time. I disputed this with Experian in XX/XX/XXXX and explained that it was inaccurate. I also provided proof from Equifax and TransUnion, both of which show this account as current and never late. 
Despite the evidence, Experian marked the dispute as verified without providing any documentation or explanation. This is clearly an error and violates the Fair Credit Reporting Act ( FCRA ). 
I am requesting that Experian be required to properly reinvestigate and remove the inaccurate XXXX late payment for XX/XX/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 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
XX/XX/year> I attempted to send XXXX dollars to another XXXX user. It declined so I transfered money to my checking account and sent it again. 

XXXX then sent XXXX twice leaving me with XXXX dollars in my checking account. 

I didn't notice this until XX/XX/year> when I went to check my account. 

I tried to contact cashapp about this and they redirected me to get with the other person. I tried calling and texting them but they didn't answer my calls or texts. 

I called Navy Federal afterwards and explained the situation. I spoke to XXXX different people and was informed they wouldn't refund me, despite it being an issue on XXXX side.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
LEAFY FINANCIAL LLC XXXX XXXX XXXX Bank ) Account number XXXX I do not have the full account number ; this is the only information reflecting on my credit report. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent a proper notification, please provide " Certification Mail '' with a receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my credit report, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
I attempted a balance transfer from my Capital One credit card to my XXXX XXXX account. The transaction posted, but the funds never arrived. I first contacted Capital One on XX/XX/XXXX, and was told the funds would arrive within XXXX days. 

On XX/XX/XXXX, I was told the transaction couldn't be completed that way and the funds would be returned to my card. On XX/XX/XXXX, another supervisor told me the same thing. 

Today, XX/XX/XXXX, I was informed that none of the previous representatives filed the return request properly, and only now is the correction being submittedwith another XXXX business day wait. 

This has rendered my card unusable for nearly a month, and the inconsistent responses and failed follow-through have caused significant inconvenience. I am requesting the immediate return of funds to my card and a review of the handling of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
The following account listed are not mine, I have no knowledge of these account : XXXX XXXX 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 explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
received a text message from number XXXX BofA Security : your debit card was used at : XXXX XXXX XXXX XXXXXXXX. 
{$1800.00} Declined, XX/XX/year> did you authorize this? reply Yes or NO I replied no then the number called me and said that my account had been compromised and that they would have to do an investigation. 

they told me that they would set me up with a digital debit card wallet. that I should transfer my checking to XXXX XXXX and then to a chime debit card. I transferred {$9800.00} to that account ( they gave me the number for the card number ) they then had me delete the card saying that it wasn't working because it didn't have my full name on it. so I deleted the card. 

then they needed a manager to take over. 

this person then had me transfer my saving to my checking. and then wanted me to put that money on the debit card. this XXXX me out and I hung up on them. 

Bank of America can not do anything until the transaction has pended and then I called XXXX fraud and they can not do anything because XXXX XXXX app was used. 

please let me know what the next steps are to reverse this. 

thanks

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 2025-05-04 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: TX

Complaint narrative:
Account is paid in full and closed by me the company is still reporting it open with a balance

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 2025-05-04 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: TX

Complaint narrative:
Account is paid in full and closed by me the company is still reporting it open with a balance

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 2025-05-04 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:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX XXXX  stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX ) ( Open XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: SC

Complaint narrative:
Company XXXX XXXX, sent me to collection with XXXX XXXX. XXXX XXXX filed for bankruptcy and didnt finish my treatment. Didnt get what I paid for. Middle of treatment they stop treating me. Leaving me with unfinished treatment. Now they sent me to debt collector for a service that was not finish.

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 2025-05-04 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-04 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:
I am writing to dispute one or more medical bills inaccurately reported on my credit report, in violation of the Consumer Financial Protection Bureaus ( CFPB ) final rule, effective XX/XX/year>, which prohibits consumer reporting agencies from including medical debt on credit reports sent to creditors ( Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information, Regulation V ). I request the immediate removal of these items, as their presence constitutes a violation of federal law.

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 2025-05-04 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 am writing to dispute one or more medical bills inaccurately reported on my credit report, in violation of the Consumer Financial Protection Bureaus ( CFPB ) final rule, effective XX/XX/year>, which prohibits consumer reporting agencies from including medical debt on credit reports sent to creditors ( Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information, Regulation V ). I request the immediate removal of these items, as their presence constitutes a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Filing a Complaint Against XXXX XXXX XXXX XXXX for Unauthorized Advertising of Inaccurate Information Without Consent I, [ XXXX : XXXX ] , am filing this formal complaint against the credit reporting agenciesXXXX XXXX XXXX XXXXdue to the unauthorized and inaccurate reporting of accounts on my credit report that do not belong to me. These accounts were included without my consent or knowledge, and I have reason to believe this is either a clerical error or fraudulent activity. Despite my repeated attempts to resolve this issue, including filing formal complaints over the past XXXX months, I have not received a satisfactory response or resolution. The presence of these inaccurate accounts is causing undue stress and potential damage to my financial reputation.The credit reporting agencies have been using my personal data without my written consent, in violation of * * XXXX U.S.C. XXXX ( b ) * *, which mandates that furnishers of information ( including credit reporting agencies ) must investigate disputes and correct inaccurate information upon notice. These agencies have failed to fulfill this obligation, continuing to report erroneous data that could negatively impact my creditworthiness and financial standing. 

As a result, I am formally requesting an investigation into this matter. This may involve potential fraud or a failure to properly protect consumer rights under the Fair Credit Reporting Act ( FCRA ). Due to the agencies failure to resolve my complaints in a timely manner, I am also preparing to pursue legal action, including filing charges and initiating a small claims court case.The inaccurate accounts appearing on my credit report do not belong to me, nor have I ever authorized or opened any of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX I made a payment to capital one for my auto loan and they received it and it was taken from my account and they didn't apply it to my account and now don't know where it is and have no explanations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXubject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. 

The following accounts are fraudulent and must be removed from my credit report immediately : 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 Closed on XX/XX/XXXX I am formally requesting that these accounts be removed from my report within XXXX  days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. 

I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within XXXX days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : FINAL NOTICE LEGAL DEMAND TO DELETE INACCURATE COLLECTIONS AND CHARGE-OFFS FROM CREDIT FILE FCRA, UCC, FDCPA VIOLATIONS To Whom It May Concern, This letter serves as a formal and final demand for the immediate deletion of the following derogatory entries listed below from my Experian credit report. These entries are inaccurate, unverified, and reported without proper validation or documentation. Their continued presence constitutes willful violations of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ), Uniform Commercial Code ( UCC ), and the Fair Debt Collection Practices Act ( FDCPA ). 

DISPUTED COLLECTION & CHARGE-OFF ACCOUNTS : Collections : XXXX XXXX XXXX {$700.00} XXXX XXXX  XXXX XXXX {$640.00} XXXX XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$640.00} Charge-Offs XXXX XXXX XXXX XXXX  XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX  XXXX {$890.00} XXXX XXXX XXXX {$400.00} XXXX BANK XXXX XXXX {$1100.00} XXXX XXXX {$800.00} XXXX XXXX {$0.00} XXXX XXXX {$1400.00} XXXX XXXX {$0.00} XXXX VIOLATIONS : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 609 ( a ) ( 1 ) Failure to provide documented verification and original signed contracts FCRA 1681i Failure to properly investigate disputed items FCRA 1681b No permissible purpose to report or continue furnishing unverified debt FDCPA 809 ( b ) Failure to provide debt validation when requested UCC 3-501 I demand presentment of the original contract, bearing my wet-ink signature, proving liability UCC 1-308 I reserve all rights without prejudice and do not waive any protections afforded to me under the law LEGAL REMEDY & DEADLINE : You have XXXX calendar days from receipt of this notice to : Delete all of the above-listed accounts from my Experian credit report Provide certified proof of verification, including original contracts and assignment chains Failure to comply will result in : Formal complaints to the CFPB, FTC, and Illinois Attorney General Civil litigation under FCRA 616 & 617 for statutory, actual, and punitive damages Legal action for defamation, willful negligence, and emotional distress I expect full compliance, is your final opportunity to correct the violations noted above. 

Sincerely, 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 2025-05-04 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: FL

Complaint narrative:
Credit karma has an hard inquiry about XXXX  bank XXXX that case was resolved and closed XXXX yet it is still there for some strange reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: CITIBANK, N.A.
State: MO

Complaint narrative:
I am experiencing an issue with potentially illegal debt collection practices by XXXX XXXX XXXX. They have reported a debt on my credit report that they claim to have purchased from Citibank , N.A . on XX/XX/XXXX. However, I have documentation proving that Citibank had previously sold or assigned this same debt to XXXX XXXX XXXX XXXX XXXX in XXXX. 

I have multiple collection letters from XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( reference numbers XXXX and XXXX ), demonstrating they were actively collecting on this debt throughout XXXX. It appears Citibank has sold the same debt twice, and XXXX XXXX XXXX is now attempting to collect on a debt they may not legally own. 

Additionally, there are significant discrepancies in the reported debt amounts : - Citibank statement ( XX/XX/XXXX ) : {$13000.00} - XXXX XXXX XXXX ( XXXX ) : {$14000.00} - XXXX XXXX XXXX ( current ) : {$14000.00} I have sent a dispute letter to XXXX XXXX XXXX on XX/XX/XXXX, requesting validation of the debt and challenging their right to collect. I have also sent dispute letters to all three major credit bureaus regarding the inaccurate reporting. 

I sent a formal dispute letter to XXXX XXXX XXXX on XX/XX/XXXX, via certified mail. I am awaiting their response. 

Supporting Documentation I have the following documentation available to support my complaint ( copies can be provided upon request ) : XXXX. XXXX XXXX XXXX collection letters from XXXX ( XXXX different dates ) XXXX. Citibank statement from XX/XX/XXXX XXXX. Citibank letter confirming sale to XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX collection letter dated XX/XX/XXXX XXXX Credit report showing XXXX XXXX tradeline XXXX. Dispute letters sent to XXXX and the credit bureaus

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