vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX I am writing to formally dispute inaccurate, incomplete, and unverified information on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681 et seq the Credit Reporting Agency are required to conduct a REASONABLE INVESTIGATION of any disputed information. EQUIFAX has failed to verify the accuracy of the disputed information. 

-15 U.S.C. Section 1681i ( a ) ( 1 ) ( A ) Mandates that a Credit reporting agency conduct a reasonable Reinvestigation when a consumer disputes the accuracy is any items.

-15 U.S.C. Section 1681i ( a ) ( 5 ) ( A ) Requires that any information that CAN NOT BE VERIFIED must be deleted from consumers files.

-15 U.S.C. Section 1681e ( b ) Requires that credit reporting agencies MAINTAIN MAXIMUM possible Accuracy in a consumer reports.

-15 U.S.C. Section 1681s-2 ( b ) Requires data furnishers to conduct a REASONABLE investigation once a dispute is received.

Since EQUIFAX has failed to meet the legal standards of a reasonable investigation, I am DEMANDING the immediate deletion of the following inaccurate information, unverified, and disputed accounts listed below Account Name 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If EQUIFAX can not VERIFY the accuracy of this information with competent, legally admissible evidence, they are required by LAW to delete it under 15 U.S.C. Section 1681i ( a ) ( 5 ) ( A ) Im demanding all accuracy be in WRITING to be VERIFIED. My Information Was EXPOSED DUE TO EQUIFAX DATA BREACH. My Identity is being Exposed on The DARK WEB. I received notification via email everyday about my credit report being hacked and information being found on the DARK WEBSITE. This is a violation of my PRIVACY AND MY CONSUMER RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NRA Group, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX has no account reportable on the charges of service amounts. Insurance paid balance. Still went to collections. Can not obtain original service charges statement report. No billing statements available.

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 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XX/XX/year> XXXX XXXX I requested a 1099c from never received from. This against CFPB LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Fraudulent activity on regarding the collection on this debt. This is an attempt to defraud the consumer. 
XXXX XXXX XXXX, PA XXXX Acct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
When my XXXX XXXX were transferred from XXXX to FirstMark, I proactively called FirstMark to clarify their delinquency reporting policy. XXXX did not report to credit bureaus until loans were 60 days past due. I was specifically told by a FirstMark representative that the same 60-day window applied. 

Based on that information, I scheduled a payment for XX/XX/scrub> 2025. I later learned that FirstMarks actual policy is to report after 30 days, and that they report to credit bureaus on the last day of the month. As a result, I was reported delinquent for being one day late ( on XX/XX/scrub> 2025 ). 

I called to clarify the policy because the paperwork was confusing. I acted in good faith, based on the verbal information I was given. This misunderstanding caused my first-ever derogatory mark in 60 years, and when I requested a goodwill adjustment or for them to review the call, I was told it wasnt possible unless it was due to a system error. 

This situation is unfair and distressing. Im requesting a review of the circumstances and a removal of the late mark due to the incorrect verbal guidance I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have received a letter from American Express XXXX XXXX where they are telling me that I have done an application to get a credit card. I haven't done it before. This means that someone else has thief my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the FCRA. Under Section 611 ( a ) ( 5 ) ( B ), if the disputed information is found to be inaccurate or unverifiable, it must be permanently removed. I expect nothing less than full compliance.

Under Section 609 ( e ), if identity theft is involved, I am entitled to supporting documentation from both the credit agencies and the furnishers. I expect you to provide this documentation immediately.

Section 623 ( a ) ( 2 ) clearly states that furnishers must promptly correct any inaccurate information. This hasnt happened, and I demand immediate action.

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 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My accounts were hit with extra overdraft, withdrawal, and monthly fees. At other times, the bank unjustifiably froze customer accounts for weeks on the pretense of preventing fraudulent deposits.

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 2025-03-22 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2025-03-22 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: PA

Complaint narrative:
I am writing to file a formal complaint against TransUnion for failing to remove unauthorized credit inquiries from my credit report, which are negatively affecting my credit score and my ability to obtain new credit. Upon reviewing my TransUnion credit report, I identified 7 hard inquiries that I did not authorize, all dated between XX/XX/year>2024, and XX/XX/scrub> 2024. Despite my attempts to resolve this issue with TransUnion, these inquiries remain on my report, and I am seeking the CFPBs assistance to have them removed. 

The unauthorized inquiries in question are as follows : XXXX, XXXX/XXXX/2024 XXXX XXXX, XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>2024 XXXX XXXX XXXX, XX/XX/year>2024 XXXX XXXX, XXXX/XXXX/2024 XXXX XXXX, XX/XX/year>2024 I did not authorize any of these inquiries, nor did I apply for credit with these companies on the specified dates. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of information on credit reports and to remove unauthorized inquiries upon dispute. These inquiries are harming my credit score and limiting my ability to secure favorable credit terms.

I have attempted to resolve this issue directly with TransUnion by disputing the inquiries, but I have not received a satisfactory resolution. I am requesting that the CFPB investigate TransUnions handling of my dispute and ensure that these unauthorized inquiries are removed from my credit report within the legally mandated timeframe. Additionally, I request that TransUnion provide me with an updated copy of my credit report once the inquiries are removed.

I appreciate the CFPBs assistance in resolving this matter and protecting my consumer rights. Please let me know if you require any additional information or documentation to proceed with this complaint.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
Mercedes-Benz financial reporting Weight payment on two of my accounts I have with them. During these months, I requested extensions and Skip payments. I have been a good customer and I have loved doing business with Mercedes-Benz financial for the past couple of years now theyre good company that I hope I could have many more business dealings with. I believe that these marks are just a simple mistake and can be easily resolved and removed to rectify as Ive stated. Ive been a good customer and I enjoyed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>2025 XXXX XXXXXXXX XXXX XXXXXX/XX/year>2025, XXXX XXXX XXXX XXXX  XXXX/XXXX/2025

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 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have been involved in a XXXX XXXX XXXX XXXX since this incident I have had nothing but unauthorized charges double charges to merchants charges to merchants/ individuals I don't know. I have contacted cash app numerous of times every time i notice something unusual I dispute and contact customer support. From the time I dispute the charge I get an immediate response through an email with a denied response with no reason as well as they don't have any further information at that time. Now this is with every transaction I have disputed now I don't give my pin out I always have my card in my possession and my card Is always locked. I've explained this to cash app for over 2 years and I still have no been reimbursed for any fraudulent transaction. When I go through the proper process required it never gets resolved I have lost alot of money that has not been looked into further nor reunbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX around that time they closed my Account with proof of violation and I don't not revive money left in my account due to this problem amount total of XXXX was in my account and was never recovered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
My name is XXXX XXXX XXXX. There was a payment issue on my account. In XX/XX/XXXX I paid my bill 2 days late, but still within the billing cycle, XX/XX/XXXX for {$170.00}. When I received my XXXX statement it showed that I owed {$380.00} for 2 payments and 1 late fee of {$29.00}. It shows on the statement that my payment was received, so on XX/XX/XXXX I only paid the {$170.00} payment plus my {$29.00} late fee ( {$200.00} total ). I called on XX/XX/XXXX and spoke to someone and she noticed the issue and stated she would send it to her manager to correct. She told me to check it again after next billing cycle to set up automatic payments. When I received my next statement for XXXX it showed I was behind 1 payment and they added another {$40.00} late fee. Im not behind 1 payment a not sure why the system didnt recognize my XX/XX/XXXX payment as XXXX ' payment and it's still not corrected. For XXXX I paid my {$170.00} payment since Im not behind and did not pay the late fee XXXX shouldnt have been charged. I reached out through their Get Help on their website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no luck in each attempt. I have also called the contact number provided multiple times a day and several days each week and have waited on the phone from 30 minutes up to 2 hours without being able to reach anyone. I need this issue handled promptly. You may contact me at XXXX or you may email me at XXXX. I would like to be contacted once this has been resolved. I would also like to ensure this is not reported to the credit bureau. In the meantime they also adjusted my payment by {$3.00} to collect money for the late fees. All the above information is what was on a letter I mailed them on XX/XX/XXXX, which is what is stated on the back of their billing statement to file a dispute. They said it could take up to 2 billing cycles and they would mail a response back. To this day I have yet to receive a response. I called again on XX/XX/XXXX and spoke to a gentleman who said he was sending it over to his manager to resolve and it would be fixed by this next billing cycle. I also told him I wanted my payment amount to go back down to the original amount. Today, XX/XX/XXXX I received my new billing statement for XXXX and its still not fixed. Ive been trying to get this fixed for the last 8 months and they are not responding. Im ready to move to the next step of resolution as this is absolutely absurd.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-22 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: DISCOVER BANK
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.Here is the account I am asking you to verify as accurate. 

Account : Discover Bank XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I want this situation removed completely off my credit my credit. I called the company to let them know I was receiving any updates or statements. They responded that it was being sent to my email in my spam and I dont check spam. I need this completely remove the account is current, it wasnt my fault and they have added it to my report 4 different times. Please remove this is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: IN

Complaint narrative:
Experian credit report shows inaccurate information. 
account summary shows, on the credit retail card debt a balance of {$29000.00}. 
then on debt summary shows credit cards & credit lines a balance of {$37000.00}.

This information is inaccurate and malicious, please remove all inaccurate reporting from my account. 

Thank You, 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 2025-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
See attached. 

This company has been harassing me over the past year, trying to collect on a debt that isn't mine. I do not owe this company money and have never done business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Two of my scheduled payment 's were returned. I scheduled the payments to come out of my checking account that is also with Capital one. They claimed there was not enough funds but my direct deposit was more than enough to cover the payments. They closed all three of my credit card accounts including one that held no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MI

Complaint narrative:
XX/XX/year> Amount XXXX I requested a 1099c from company has not provided requested from. This is against CFPB LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: FL

Complaint narrative:
Sub-issue : Debt is not yours Consumer consent to publish narrative Consent provided Consumer complaint narrative I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
I reported the last time a cease and desist request and asked to stop communicating with the credit agency and that was completely ignored and Ive also send a email and been completely ignore I seeking for legal damages at this point of time for violating my rights after Creditor agreed to CFPB & consumer they would cease and desist all communication including reporting to XXXX, Experian, and XXXX. Creditor is still communication after a cease and desist. Consumer is requesting information to be deleted immediately for satisfaction if not a suit will be filed for damages and consumer violation rights. Please comply with request.

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