vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive filed a Affidavit reporting the inquirys that Im not aware of

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 2025-05-20 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: TX

Complaint narrative:
Ive filed a Affidavit reporting the inquirys that Im not aware of

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 2025-05-19 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: NY

Complaint narrative:
I recently contacted the credit bureaus in reference to identity theft. There are wrong/incorrect names and addresses on EXPERIAN, TRANSUNION AND EQUIFAX. Please see attached my identification and a copy of my social security card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently contacted the credit bureaus in reference to identity theft. There are wrong/incorrect names and addresses on EXPERIAN, TRANSUNION AND EQUIFAX. Please see attached my identification and a copy of my social security 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
We had a heloc, and it became due to pay for interest and principal, the payment was too high, we applied for a modification and we were denied and they never gave us an answer to why it was denied, this was in XXXX, we were in a hardship and explained it, but never got any resolution, we sold the home in XXXX? to avoid foreclosure

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 2025-05-20 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: MD

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capitol One made an hard inquiry without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vengroff Williams, Inc
State: NV

Complaint narrative:
I was XXXX  XXXX XXXX XXXX XXXX XXXXXXXX and received long-term disability ( LTD ) payments through XXXX XXXX XXXX XXXX This coverage was deducted from my paycheck while XXXX. 

Years later, their agents pressured me into applying for SSDI, helping initiate the claim without explaining that they would attempt to reclaim all LTD benefits from my retroactive Social Security backpay. I was not aware that this was being done to trigger a subrogation clause. 

Now, a debt collector ( Vengroff Williams , Inc. ) is demanding immediate repayment of over {$23000.00} from my SSDI check while I still have an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am currently XXXX and this SSDI backpay is all I have to survive. They are aggressively seeking repayment from money intended for basic living needs, despite knowing that recovery is still pending. I believe this is an abusive and unfair collection tactic targeting a vulnerable individual. 

This practice feels coercive, deceptive, and contrary to consumer protection standards. I am requesting that your office investigate this matter and help protect others like me from similar exploitation. 

Amount they say I owe : {$23000.00} Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Vengroff Williams , Inc . 

Thank you for your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Note : this account is reported in credit every month past due and this is 100 % incorrect 2- Hard Inquiries never being removed from my credit report of course this getting me hard to get a new account or anything from all the companies every time. 

XXXX XXXX XXXX XXXX XXXX XXXX phone No address but is in my credit Report for XXXX affecting my credit report no respond at all from transunion of from XXXX XXXX XXXX XXXX this no my account. 
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 2025-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/year>, I applied for a {$100000.00} Home Equity Line of Credit ( HELOC ) with Regions Bank, using my fully paid-off home as collateral. At the time of application, I was told the minimum XXXX XXXX required was XXXX. My XXXX  score was XXXX, which exceeded the requirement. Despite this, I was denied. 

The stated reasons were vague and inconsistent : proportion of balances to credit limits is too high, too many accounts with balances, and inquiries impacted the XXXX XXXX. However, I only had XXXX credit inquiries and stable income, and the very purpose of a HELOC is to consolidate debt. Even after my score improved again to XXXX, there was no offer of reconsideration or further dialogue. 

As a veteran and person with a XXXX, I am concerned that I did not receive a fair, consistent, or transparent evaluation. I submitted the same complaint to the XXXX XXXX XXXX XXXX XXXX, but have not received a response. 

I am attaching : A copy of my XXXX XXXX ( XXXX ) Screenshot showing only XXXX hard inquiries XXXX denial letters from Regions Bank dated XX/XX/scrub>XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Constant Harassments trying to recover a debt I don't know about or own

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
This is a serious follow-up complaint regarding Equifaxs continued reporting of inaccurate late payment entries that I have already disputed multiple times. The following accounts are in question : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX with both balance and past due showing {$0.00}, XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX, and XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX. It is unacceptable that Equifax continues to list these accounts as having late payments, despite the accounts either being current or showing no outstanding balance or delinquency. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifaxs widespread failure to conduct legitimate reinvestigations. The CFPBs lawsuit against Equifax cites their engagement in sham investigations, directly violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation of disputed information. Additionally, under 15 U.S.C. 1681 ( a ) ( 5 ), Equifax is legally required to correct or delete information that is inaccurate, incomplete, or unverifiable. Reporting a late payment with {$0.00} due is an obvious violation of this standard. Equifaxs inaction not only shows disregard for consumer rights, but also creates long-term financial and emotional harm to affected individuals like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS. PLEASE DELETE ACCOUNT OR I MAY HAVE TO SEEK LEGAL ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
I am filing a dispute against XXXX XXXX XXXX for the collection account reported with a balance of {$3700.00}, originally opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. The original creditor is listed as XXXX XXXX, and the account is classified as a Debt Buyers Account. 

As a third-party debt buyer, XXXX XXXX XXXX XXXX with FDCPA Section 809 [ 15 U.S.C. 1692g ] and FCRA Section 609 ( a ) ( 1 ) ( A ), which require them to provide : A signed contract or original agreement proving I owe the debt A full breakdown of how the {$3700.00} balance was calculated Proof of assignment/ownership from the original creditor Documentation of their legal right to report and collect this debt Despite these legal obligations, no validation of this debt was ever provided to me, and I did not receive any notice of transfer or proper opportunity to dispute prior to this negative reporting. 

Reporting this as a collection with a $ XXXX monthly payment, no past-due status on most bureaus, and without supplying validation is misleading and violates FCRA Section 602 ( a ) and Section 607 ( b ), which demand accurate, complete, and verifiable reporting. 

The balance is consistent across bureaus, but there is no record of payment activity, no evidence of effort to verify, and no legal proof that XXXX XXXX had standing to collect or report this debt. 

This is a debt buyers account, and the burden is on XXXX XXXX to prove its validity, not on the consumer to prove it false. I demand a full reinvestigation under FCRA Section 611, and if they can not provide documentation within 30 days, this item must be permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NC

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received a note with my monthly statement from Citibank that my APR would be changing beginning on XX/XX/year>. The APR would be jumping from XXXX to XXXX % The letter said that my APR was being changed because my credit score had reduced, this was due to the utilization of my home equity line of credit, and that because of this change my APR would go up because people applying for a new card with Citibank would receive the same APR. 

I'm not a new consumer, I'm an existing customer. My payments are never late, they are actually early every month and since I opened this account four years ago. 

They indicated that my credit score on XXXX  was at XXXX which gave them this ability. I checked both my XXXX and XXXX  accounts and both of those scores were XXXX and XXXX points higher. 

Their reliance on one credit bureau to make this decision at best seems arbitrary and frankly has a usury feel to it. 

I must request that CFPB reach out to Citi and further push rules that protect the consumer by at a minimum require a lender to use all three scores and use the middle score to determine changes on users rates, like both XXXX XXXX  and XXXX XXXX do or moreover, eliminate this ability by a credit card provider. 

I called another credit card provider that I have a relationship with, XXXX XXXX and they informed me that their rates are determined at application, not as the relationship continues. 

Thank 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 2025-05-19 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:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
I have submitted multiple disputes to have these removed i was notified removed then then they was put back up with no results to the investigations or information regarding why these items remain to still negatively impact my credit without no explaination of their investigations to my disputes of inaccuracy and not being owned by me. 

Experian report number : XXXX Generated : XX/XX/20XXXX 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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: MD

Complaint narrative:
XXXX is disgusting human being! He made up a case number and never answered why cash app withdraw from my debit card when I tried just linking it! I had no money from that debit card! He just closed the chat after copying and pasting XXXX  like a coward! Garbage company!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 u

nder 15 USC 1681. 15 U.S.C 1681 section 602 A. States I hav
e the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

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 u

nder 15 USC 1681. 15 U.S.C 1681 section 602 A. States I hav
e the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I can't use my American Express digital prepaid card anywhere, it is always declined. I can't add a zip code to make it work, I can't add it to any mobile wallet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 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: MA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I noticed XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX on my credit report that I believe are inaccurate and should not be reported. I contacted the credit bureau ( XXXX ) to dispute the account ( XXXX ), but they failed to conduct a reasonable investigation or provide adequate documentation verifying the accuracy of the information.

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