vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: GA

Complaint narrative:
My account with XXXX XXXX was closed XXXX XXXX XXXX after I reported to them that the vehicle was property of the police department due to the arrest of someone else who was driving the vehicle. 

The account was Written off to Profit and Loss, it was removed from my credit report for a few months and then suddenly reappeared with balance of {$12000.00} If they wrote the account off and took that as a deduction on their taxes, should I not have received a XXXX so I could report it as income? Also, how is a written off to their profit and loss the account still showing 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 2025-02-18 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 reviewed my credit report and I have inaccurate information reported in the different credit bureaus which show late payments in different months and with different periods of time, according to the consumer protection law it is established that everything reported in the credit must be correct, I request that you provide me in writing, the reasonable procedures in accordance with 15 USC 1666B that you have adopted to guarantee that each periodic statement is sent by mail to me at no later than 21 days before the payment due date. Also include all information required by section 1637 b of title 15. I hope you can investigate and in this way be able to repair my credit information, as these inaccuracies are currently affecting me and I can not move forward. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NJ

Complaint narrative:
I reviewed my credit report and I have inaccurate information reported in the different credit bureaus which show late payments in different months and with different periods of time, according to the consumer protection law it is established that everything reported in the credit must be correct, I request that you provide me in writing, the reasonable procedures in accordance with 15 USC 1666B that you have adopted to guarantee that each periodic statement is sent by mail to me at no later than 21 days before the payment due date. Also include all information required by section 1637 b of title 15. I hope you can investigate and in this way be able to repair my credit information, as these inaccuracies are currently affecting me and I can not move forward. 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 2025-02-18 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: VA

Complaint narrative:
A careful review of my credit record revealed unverified late payment entries that remain unaddressed despite multiple communication attempts. Over 30 days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these undocumented late payments raises significant concerns about their accuracy and potential impact on my credit standing.

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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below violate my federally protected rights to privacy and accuracy under 15 U.S.C. 1681. As stated in 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my financial information. Additionally, 15 U.S.C.1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not include an account on my report without my explicit written consent. Furthermore, 15 U.S.C.1681c ( a ) ( 5 ) prohibits the reporting of any adverse informationexcept for criminal convictionsthat is older than seven years. Lastly, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are not allowed to report information they know or should reasonably know is inaccurate. Given these protections, I request an immediate review of the listed accounts and inquiries. If they can not be fully verified with proper documentation, they must be removed. Please provide written confirmation of your findings and any actions taken.

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 2025-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: NY

Complaint narrative:
Direct express is my government and stimulus check of XXXX $ bank to put the money on and when it came on the card in XXXX or XXXX or XXXX I lost my debit card and someone picked my card up and use my XXXX $ stimulus check and my money was not on the card no more I wan na put a fraud claim and get a refund for the whole amount of my money I lost of my XXXX $ stimulus check from direct express XXXX debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: AZ

Complaint narrative:
Equifax is reporting inaccurate personal. Information on my credit report that do not belong to me. 

The following Address do not belong to me XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX The following Employer do not belong to me XXXX XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
TransUnion has several inquires reporting that is not mine I have sent in disputes making them aware the incorrect inquires and the matter has not been resolved. 


EQUIFAX REPORT has Several inquires that is not mine i have sent in a dispute before and this matter was not resolved. 

EXPERIAN REPORT HAS SEVERAL INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE I HAVE I SENT IN A DISPUTE BEFORE AND THIS MATTER WAS NOT RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
TransUnion has several inquires reporting that is not mine I have sent in disputes making them aware the incorrect inquires and the matter has not been resolved. 


EQUIFAX REPORT has Several inquires that is not mine i have sent in a dispute before and this matter was not resolved. 

EXPERIAN REPORT HAS SEVERAL INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE I HAVE I SENT IN A DISPUTE BEFORE AND THIS MATTER WAS NOT RESOLVED.

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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
In 2024, I applied for a credit card with Milestone and received it. Upon reviewing the card 's annual fee of {$120.00}, I made the informed decision not to activate it. Now, despite my choice, Concora Credit is unjustly demanding that I pay this annual fee. This situation feels unfair and I believe it deserves further attention and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: MA

Complaint narrative:
Experian has incorrect income information for lenders to make a valid decision which in turn has created an incorrect " debt/income ratio '' and the site does not allow me to correct it. ( see attached XXXX XXXX XXXX XXXX XXXX XXXX  {$5000.00} 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 2025-02-18 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have 3 prepaid visa cards, a {$50.00} and two {$25.00} cards. Everytime I try to use them they don't work, and now when I try to check my balance on the website ( XXXX  ) there's an error and I can't see where the balance is at or do anything like change the PIN or register/re-register the card. When I call the number provided ( XXXX ), it's just an automated service to check the balance, but after I put in the information, it keeps saying there's no account associated with the card, and doesn't provide any other prompts. On the card they claim there are no inactivity fees, so I know there's supposed to be a balance on there, and the expiration date is listed as XX/XX/, so it's not even close to expired

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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I was contacted by my credit card copany, Capital One, on XX/XX/year> and was informed that someone tried to apply for a credit card in my name. I told the person at I had no knowledge of this being done nor authorized it. He told me that things would be taken care of and gave me his ID number, case number and call back number which are listed below. 

Name : XXXX XXXX Phone : XXXX x XXXX Case # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted XXXX  XXXX, XXXX XXXX, BofA, yet no one seems to know why I haven't received the miles. 

XXXX has a promotion where if you use your XXXX  XXXX Bank of America credit card to pay your rent, you can earn 3 miles per dollar on rent ( up to $ XXXX per year ). This not a free benefit ; customers are charged a credit card convenience fee for using their credit card to pay rent. I paid {$3700.00} in rent ( plus a convenience fee ), so I should receive XXXX XXXX  miles. The payment continues to show " Submitted '' but not processed, yet my credit card was charged weeks ago I have seen other reports on forums of customers not receiving their miles, and the companies are playing the blame game where they all point fingers at each other and tell you to contact the other company.

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 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> I call Experian and spoke to a specialist name XXXX, I was concern and address the issue with my credit report score. I wanted to know why my Score will drop from XXXX to XXXX XXXX points, The only change I have from XXXX report was 1 account the balance decreased, that should help my score not decrease by XXXX points, she had no answer for me, I had no new credit or no recent inquiries, she told me I had to find a License Credit Advisor on my own, I find this very alarming when this is part of their product and this effect my ability to get a mortgage and Damaged my credit., I ask to speak to a Supervisor or Manger and was told one was not available and would call me back. 

The FICO Score I feel is wrong, a big error and it need to be corrected.

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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Venmo offered me a credit card and I accepted. They offered cashback and also if I charged {$1000.00} within XXXX months, they would give me a credit of {$250.00}. I was using my card to reach the {$1000.00} and I believe I was close to that amount and they closed my account out of the blue without notice. When I called, I was told I'm a high risk. I said I'm using the account more than others because I'm trying to get the cash back you offered. She offered nothing other than they will send me a letter in XXXX days. I believe they offer this and hope you will have to pay fees and catch you in debt. Because I was paying my card off each month, I was not paying finance charges. I have had no late payments and have been responsible with my card. They are fraudulently offered this cash back deal and then will not give what they offered.

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 2025-02-18 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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