vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 explanation
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

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.

15 U.S.C 1681 section 602 A. States I have 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 seven 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Meta Payments Inc.
State: LA

Complaint narrative:
I purchased a XXXX  on my business page on XXXX. The XXXX  was supposed to last for XXXX days starting XXXX XXXX until XXXX XXXX with a maximum cost of {$14.00}, whichever came first. As of today I have had to do the following : manually turn off the XXXX a minimum of three times, I have been charged over {$140.00} in addition to the {$14.00} agreed on with new charges continuously occurring daily, I have contacted Meta with no action on their part, & finally when I attempt to remove my payment information I am told by Meta that I have to pay the balance & turn off any ads before I will be allowed to do XXXX I have done multiple timesTHEN wait 72 hours before the payment information can be deleted to clear the balance just paid but when 72 hours passes I have new charges, the payment method is not allowed to be removed & this process starts over with paying the balance & turning off ads again. I have even resorted to deleting the entire XXXX  itself but am still receiving notification from my XXXX about pending charges from XXXX. have not been able to get resolve from Meta of any kind. I have attached the most recent screenshots of me turning off the boost/ad again as well as the balances that keep showing up & confirmation of the turn off with the 72 hour message.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-04-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

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 2025-04-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XX/XX/year>XXXX  a fraudulent charge was made on the account. I filed a dispute on XX/XX/year> and XX/XX/year>. On both times the dispute was denied even after providing the requested documents ; including a copy of the police report filed and case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
On/about XX/XX/XXXX I was in communication with XXXX explaining to them that they are over charging me and my spouse by {$1200.00} dollars. They came back and stated that we owed the XXXX XXXXXXXX amount and we have to pay it. XXXX then sent it to the collection company stating that the debt owed was XXXX XXXXXXXX. When I looked back at our rental agreement and the rental paperwork we signed it states that the last month rent would be XXXX XXXX after the kept deposit not XXXX XXXXXXXX XXXX XXXX  is trying to commit theft. They are trying to overcharge me and my spouse and when we failed to pay their theft price they sent it to the collection company. The collection company received all my documentation and they proceeded to take it off my credit report. XXXX then proceeded to resubmit it to a different credit bureau because the first one removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
Im reaching out because I recently reviewed my credit report and noticed some accounts listed that I never opened or authorized. Ive never had any dealings with these companies, and seeing them show up on my report was both confusing and alarming. Just to be clearthese accounts are not mine. I didnt open them, I didnt give anyone permission to use my information, and I have no connection to them whatsoever. It seems like my personal information may have been used without my knowledge.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im reaching out because I recently reviewed my credit report and noticed some accounts listed that I never opened or authorized. Ive never had any dealings with these companies, and seeing them show up on my report was both confusing and alarming. Just to be clearthese accounts are not mine. I didnt open them, I didnt give anyone permission to use my information, and I have no connection to them whatsoever. It seems like my personal information may have been used without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX'I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXUNAUTHORIZED INQUIRIES:XXXX XXXX XXXX XXXX TransUnion'

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 2025-04-22 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: WV

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Since XX/XX/year>, I have been actively communicating with Bank of America and following every instruction provided to resolve the issues related to a cashiers check and my account access. Despite my continuous efforts and full compliance with all requests, the situation remains unresolved.

A cashiers check in the amount of {$22000.00} was issued from my account but was never cashed, later expired, and has since been reported lost. In addition to the unresolved check issue, my accountwhich had a balance between {$1500.00} and XXXX XXXXXXXXwas subsequently restricted without prior notice or clear justification.

Due to current immigration restrictions, I am unable to return to the United States to resolve these matters in person. Moreover, I now face the added burden of a pending credit card payment that I can not settle because my access to the account has been blocked.

Dates and amounts : Initial issue reported : XX/XX/year> Cashiers Check Amount : {$22000.00} Account Balance : Between {$1500.00} and {$1700.00} Actions taken : Multiple contacts with Bank of Americas customer service since XX/XX/year>. 

Compliance with all guidance and procedures provided.

Reporting the cashiers check as lost.

Attempting to address and rectify the account restriction.

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 2025-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had a direct deposit go into my Citibank savings account after I was informed my accounts were being closed and there would be no money going in or coming out of my XXXX accounts. I didnt have enough time to switch my deposit to a different bank and thought it would get bounced back. But the funds were still in my savings account last time I called Citibank. Its been 36 days since I got the closing notice and I was relying on the funds from the direct deposit on XX/XX/XXXX of this year. I want to know when I will receive this money as I have nothing to live on

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 2025-04-22 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: Central Research Inc
State: NY

Complaint narrative:
I found out through XXXX XXXX that there are student loan under my name from XXXX XXXX XXXX for the amount of {$750.00} and {$430.00} and also a XXXX  XXXX for {$510.00} with the XXXX  XXXX XXXX XXXX XX/XX/year>. This is not my account the account was open with my maiden name and old house address in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I submitted a written dispute to Experian to challenge inaccurate information on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

In response, Experian sent me a letter ( attached ) stating they had not taken any action on my dispute because the request does not appear to have been sent directly by you or to be authorized by you. Experian took this action without confirming whether the dispute was indeed sent by me or with my authorization.

This is a direct violation of my rights under the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) states that if a consumer disputes the completeness or accuracy of any item of information, the CRA shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

The FCRA contains no legal basis for denying a dispute merely based on the belief that a consumer may have used a third party.

The FTC and CFPB have made clear that consumers may use third parties to assist with disputes.

Experians refusal to process my dispute based on arbitrary and unverified assumptions is both unfair and unlawful. I request that the CFPB compel Experian to investigate my dispute as required by law and take corrective action regarding their improper handling of consumer disputes.

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 2025-04-22 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX XXXX. I have been experiencing a severe mixed file issue with TransUnion, where my credit report has been incorrectly merged with my twin brother, XXXX XXXX XXXX XXXX. 

Despite filing a formal dispute and providing proof of my identity, Social Security XXXX, and correct address, TransUnion failed to properly correct the problem. 

My credit report continues to list incorrect names ( " XXXX XXXX. XXXX XXXX '', " XXXX XXXX XXXX '', and " XXXX XXXX XXXX '' ), addresses I never lived at ( XXXX XXXX XXXX, XXXX, NJ and XXXX XXXX XXXX XXXX XXXX, MA ), and accounts that belong to my brother, not me ( including an Apple Card, Bank XXXX XXXX cards, Capital XXXX cards, a Lendbuzz loan, and a XXXX XXXX XXXX ). 

I only own the following accounts : Bank XXXX XXXX # XXXX * *, Bank XXXX XXXX # XXXX * *, and XXXX XXXX # XXXX * *. 

I have enclosed documentation proving my identity and correct information, yet TransUnion failed to properly separate our files. 

This ongoing error violates my rights under the Fair Credit Reporting Act ( FCRA ) and is damaging my creditworthiness and privacy.

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 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOP Pioneer Partners LP
State: TX

Complaint narrative:
When I signed up for the loan through Pioneer Military loans they only allowed me to pay by military allotment. I didnt know this was possibly a violation with them and when I got out of the military I still had owed them money. They never were able to provide me with a way to pay and they sent my loan to collections.

Company response to consumer: Closed with explanation