vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Data Breach Victim Pursuant to 15 USC 1681c-2 ( a ) I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. I am writing to notify you that I have been a victim of identity theft as a result of the recent data breach involving Equifax. Under the provisions of 15 USC 1681c-2 ( a ), I am formally requesting that all fraudulent accounts that have been opened in my name, without my authorization, be blocked and deleted from my credit report. 


XXXX XXXX XXXX ( XXXX ) XXXX I am a victim of Data Breach and Identity Thefty - Select Please REMOVE and BLOCK this account within 4 business days Pursuant to FCRA 605B15 U. S. C. 1681c-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of Data Breach and Identity Thefty - Select Please REMOVE and BLOCK this account within 4 business days Pursuant to FCRA 605B15 U. S. C. 1681c-2 XXXX XXXX XXXX with number XXXX I am a victim of Data Breach and Identity Thefty - Select Please REMOVE and BLOCK this account within 4 business days Pursuant to FCRA 605B15 U. S. C. 1681c-2 XXXX XXXXXXXX XXXX with number XXXX - I am a victim of Data Breach and Identity Thefty - Select Please REMOVE and BLOCK this account within 4 business days Pursuant to FCRA 605B15 U. S. C. 1681c-2 XXXX XXXX XXXX ( XXXX ) XXXX - I am a victim of Data Breach and Identity Thefty - Select Please REMOVE and BLOCK this account within 4 business days Pursuant to FCRA 605B15 U. S. C. 1681c-2 XXXX XXXX XXXX with number XXXX - I am a victim of Data Breach and Identity Thefty - Select Please REMOVE and BLOCK this account within 4 business days Pursuant to FCRA 605B15 U. S. C. 1681c-2 XXXX XXXX XXXX ( XXXX ) XXXX - I am a victim of Data Breach and Identity Thefty - Select Please REMOVE and BLOCK this account within 4 business days Pursuant to FCRA 605B15 U. S. C. 1681c-2 As specified by the statute, you are required to block and remove any information resulting from identity theft as a result of the recent data breach, involving Equifax, within four business days upon receipt of this notice. I have enclosed the necessary documentation supporting my claim.

Please provide written confirmation once these accounts have been successfully removed from my credit report. I trust that you will take swift and necessary actions to rectify the harm caused by this data breach.

Please block this information from my credit report within four business days, pursuant to section 605C and 15 USC 1681c-2 and pursuant to FCRA 605B15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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 15 USC 1681.Account name XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.I looked at my Experian credit report on XX/XX/year> and noticed somethings are incomplete and not accurate, and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall 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 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: VA

Complaint narrative:
About 3 months ago my XXXX XXXX XXXX son purchased a netspend prepaid card from XXXX on the corner of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX . He spent {$2.00} for the purchase of the card and put {$15.00} on it. I tried to help him activate it and it was an issue regarding the activation. So I contacted Netspend 's customer service and I needed to provide answer for questions in order to view his account. Long story short, he never even registered the card and they claim it's answers to confirm in order for him to get info about his account. That's one thing, he never even registered or activated the card. So I asked the rep how old do you have to be to purchase a netspend card. He told me XXXX XXXX XXXX. XXXX  XXXX he's only XXXX. So I wanted to speak to a supervisor because he claim I would need to get wirh XXXX about them selling him this card as a XXXX. I feel netspend should have more security measures in place if minors can purchase these cards. Both of them should be held accountable for this action and that's why I'm filing this complaint. Now my son is out of his {$15.00} plus {$2.00}. He needs to get his money returned to him and both businesses need to be held accountable for selling to minors if the required age to purchase it is 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol one report wrong credit used percentage and availability credit cause my credit score drop XXXX  points

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that I believe may be the result of fraudulent activity. After reviewing my credit report, I noticed the following accounts listed, which I do not recognize or authorize. I request an immediate investigation, as required by the Fair Credit Reporting Act ( FCRA ), to validate the information and ensure its accuracy. 
The accounts in question are as follows : XXXX. XXXX XXXX Account Number : XXXX Balance : {$1200.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$3700.00} Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX Balance : {$4800.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$2400.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$200.00} Opened : XX/XX/XXXX As per the FCRA, I am entitled to request validation of this information. I request that you provide me with the following for each of the listed accounts : The original signed contract or application The full balance history and current balance Proof of my authorization for the accounts Evidence of any payments made, if applicable Any documentation demonstrating the collection rights within the state of Florida Until this information is properly verified, I request that these items be removed from my credit report immediately, as they may be the result of fraudulent actions that were not initiated or authorized by me.

Please acknowledge receipt of this dispute and begin your investigation into this matter as required by the FCRA. If you are unable to validate the accounts, I request that they be removed from my credit report promptly.

Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution of this issue within the statutory time frame. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have SSA direct deposit on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX auto withdrawn {$180.00} from my checking account on XX/XX/XXXX. Funds were not enough to cover this amount. I called US bank spoke with representative who promised me that the bank would clear {$180.00} XXXX XXXX XXXX and not to worry. This conversation is recorded. I checked my bank on XX/XX/XXXX and the payment was returned. I called the bank on XX/XX/XXXX and spoke with a supervisor who promised me XXXX XXXX Bank would put the payment through again and not to worry. XXXX XXXX did not put the payment through again. I have never missed a payment ever in over 10 years with XXXX XXXX. My relationship with XXXX XXXX XXXX is now damaged. If the US Bank representative didnt provide me with misinformation I would have taken other measure to secure the payment. US Bank mislead me lied to me and has ruined my credit. US Bank caused me serious harm. I want US Bank to apologize to me look into my matter and provide me with a letter of the banks error so I can try and salvage my relationship with XXXX XXXXXXXX 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 2025-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Newrez processed a regular monthly payment as an extra payment, inaccurately causing it to appear as if a payment had been missed. These people are scum, this is probably some kind of scam to get late fees out of borrowers who are paying on time.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I have closed out my account with XXXX XXXX, however, my credit report is still reflecting that I have an open loan with them which is incorrect and I would like to get disputed immediately because I did my due diligence of giving the check from my current loan account with XXXX XXXX to their business address that deals with final payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Applied Data Finance, LLC
State: FL

Complaint narrative:
Inquiries from company I never heard of. Remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was not able to use the card for payment when I was in XXXX in XXXX and XXXX. I got a replaced card. The replaced card stopped working again XXXX. 

In Case # XXXX, Case # XXXX, and Case # XXXX, I asked Citi 1 ) to send me a new card 2 ) to extend the payment due date for annual membership fee from XX/XX/year> to XX/XX/year> or to reimburse my 2 months of the {$590.00} annual membership fee ( {$100.00} ). 

I got the replaced card on XX/XX/year>. 

for Case # XXXX, Case # XXXX, and Case # XXXX, citi stated " We respectfully decline your request for credit of any portion of the {$590.00} annual membership fee associated with this account. You agreed to this fee when you applied for the account, and you continue to have access to many benefits offered with the Citi / AAdvantage Executive card. ''

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 2025-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CarMax, Inc.
State: GA

Complaint narrative:
I returned a used vehicle XXXX XXXX XXXX XXXX ) to CarMax after experiencing multiple mechanical issues, misrepresentation regarding the value and service plan, and an unresolved emissions recall. I submitted a formal letter requesting mutual release of financial obligation, and CarMax signed a document acknowledging voluntary surrender and return of both keys. 

I have now received a letter stating they are proceeding with repossession and may report this to credit bureaus, even though I did not sign the repossession agreement they presented. I believe this action misrepresents the facts, is damaging to my credit, and is being used to avoid addressing the underlying sale and service issues. I am requesting that the CFPB review this and prevent false or misleading credit reporting as a result of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
YOU ARE IN VIOLATION OF FEDERAL LAW Under 15 USC 1681e ( b ), you are required to maintain maximum possible accuracy in consumer reports. However, by reporting unverified, inaccurate, or unauthorized accounts, you are in direct violation of the statute.

Under 15 USC 1681n, willful noncompliance with the FCRA subjects you to civil liability, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. Your refusal to correct these errors immediately will leave me no choice but to pursue legal action against your agency. 
COMPLAINTS HAVE BEEN FILED

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX XXXX XXXX  and TransUnion I am writing to formally request your assistance in resolving an issue with XXXX XXXX XXXX  an TransUnion concerning inaccurate reporting on my credit file. Despite providing evidence and attempting to dispute the matter online, XXXX XXXXTransUnion has not made the necessary corrections, and its dispute platform & TransUnion has blocked me from submitting my case digitally. 

The account in question is the XXXX XXXX XXXX  account, listed under my name. The following inaccuracies persist : Payment Status : TransUnion has reported the payment status as " 30-59 days late, '' despite my documented payment history showing timely payments, including the final payment made on XX/XX/year>. 

Times Reported Late : The credit report incorrectly indicates two instances of being 30 days late. This is inconsistent with the attached proof of payments I provided for XXXX, XXXX, XXXX, and XX/XX/year>. 

Remarks : The report includes inaccurate remarks indicating repayment phase status, which fails to reflect the account closure and timely payments. 

These errors have caused undue harm to my credit profile and may be in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of all consumer information. I have taken the following steps prior to reaching out to the CFPB : Contacted TransUnion through their dispute channels without resolution. 

Contacted XXXX XXXX for verification of payment records, which have been attached to this complaint. 

Given these circumstances, I kindly request the CFPB to take action to : Investigate the reporting practices of both XXXX XXXX and TransUnion in relation to this matter. 

Compel TransUnion update my credit file to accurately reflect timely payments for the XXXX XXXX XXXX account.Compel XXXX XXXX to correct my payments with all 3 Credit Reporting Agencies ASAP. 

Ensure compliance with the FCRA to prevent further inaccuracies and harm. 

Attached to this letter are copies of the following : My payment history for the XXXX XXXX XXXX  account. 

Relevant pages of my TransUnion credit report. 

I appreciate your attention to this matter and your efforts in advocating for consumer rights. Please feel free to contact me directly at XXXX or 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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed inform credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Since the payoff in XX/XX/XXXX, Comenity Bank has continued to send monthly statements reporting a balance of {$66.00}, assigning a {$40.00} minimum payment, and assessing late fees. On XX/XX/XXXX, Comenity sent a form letter stating only that the late fees on your account are correct. The bank has failed to acknowledge the full payoff and has offered no explanation as to how any balance exists. 

I submitted written dispute letters to Comenity Bank on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comenity has not provided any substantive response. Instead, they continue to furnish inaccurate information to credit bureaus, resulting in a credit score drop of nearly XXXX points. 

These actions violate multiple federal laws : Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 Comenity failed to properly investigate and respond to my billing disputes within the required 30-day window.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 The bank continues to furnish inaccurate credit information, even after receiving direct disputes, in violation of its duty to report accurately and correct errors.

Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531, 5536 These actions amount to unfair, deceptive, and abusive acts or practices ( UDAAPs ), particularly the charging of fees and damaging of credit without basis or transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My personal information was sold and purchased by a third party company that is constantly harassing me with annoying phone calls and collection notices on my consumer reports acting as a legitimate business transaction without my 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 non-monetary relief