vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX : Account number XXXX Date opened XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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 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 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 2025-04-11 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: CA

Complaint narrative:
There are several inaccurate items appearing on my credit report that must be addressed without delay. Some contain incorrect information that doesnt match any of my records, others are completely unfamiliar, and several appear to have been added without any proper verification. This is a clear violation of the FCRA, which requires that all data on a credit report be 100 % accurate and verifiable through reliable documentation. 

To resolve this issue, I am demanding the immediate and permanent removal of all disputed information. If the data furnishers can not produce valid evidence confirming the accuracy of these entries, they have no legal right to remain on my file. I expect prompt action to correct these errors and restore the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I reopen fraud case from Online gambling Draftkings and reach out XXXX bank of america to reopen the case I submitted a complaint To FDIC and XXXX my account now is overdraft XXXX i already Spoke to my Lawyer to sue them both

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 monetary relief
Consumer complaint received 2025-04-11 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: MA

Complaint narrative:
I am formally disputing the accuracy and legality of a reported auto loan account from XXXX XXXX XXXX ( Account # : XXXX ) on my credit report. 

This account shows a charge-off status with a past due balance of {$6600.00} as of XX/XX/XXXX, with repeated " XXXX '' notations ( charge-off ) dating back to XXXX. However, this vehicle was involved in an accident, and the balance was paid off in full by the auto insurance provider, which should have satisfied any outstanding debt. The account should be reporting a {$0.00} balance or not at all. 

In addition to that : I have no recollection of authorizing XXXX XXXX XXXX to collect or service this loan. 

There are multiple inaccuracies in the reporting timeline, including wrong or inconsistent dates, statuses, and balances that violate the Fair Credit Reporting Act ( FCRA ). 

This account was supposedly charged off in XX/XX/XXXX, but is still reporting as past due in XXXXdespite being settled through insurance years ago. 

The reporting appears manipulative, misleading, and damaging to my creditworthiness during an active mortgage application. 

I also question the legitimacy of this debt entirely, as I have no verified contract or loan agreement with 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 2025-04-11 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am formally disputing the accuracy and legality of a reported auto loan account from XXXX XXXX XXXX ( Account # : XXXX ) on my credit report. 

This account shows a charge-off status with a past due balance of {$6600.00} as of XX/XX/XXXX, with repeated " XXXX '' notations ( charge-off ) dating back to XXXX. However, this vehicle was involved in an accident, and the balance was paid off in full by the auto insurance provider, which should have satisfied any outstanding debt. The account should be reporting a {$0.00} balance or not at all. 

In addition to that : I have no recollection of authorizing XXXX XXXX XXXX to collect or service this loan. 

There are multiple inaccuracies in the reporting timeline, including wrong or inconsistent dates, statuses, and balances that violate the Fair Credit Reporting Act ( FCRA ). 

This account was supposedly charged off in XX/XX/XXXX, but is still reporting as past due in XXXXdespite being settled through insurance years ago. 

The reporting appears manipulative, misleading, and damaging to my creditworthiness during an active mortgage application. 

I also question the legitimacy of this debt entirely, as I have no verified contract or loan agreement with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I applied for a Capital One Savor Credit Card last XX/XX/year> and I was approved. I clicked the link for the XXXX dollar bonus for terms that I spend XXXX dollars within 3 months and was expecting I will receive a XXXX dollar rewards bonus. I waited for my card and when my card arrived which is the Savor Card ending in XXXX, I called the customer service to confirm if will receive the said rewards bonus and the customer service confirmed and promised me that I will receive the bonus after spending XXXX dollars within XXXX months. So I then spent XXXX dollars knowing that I will receive the XXXX dollar rewards bonus but then I haven't received any bonus yet and when I follow up the customer service they said I would not receive any bonus so I am now confused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: FL

Complaint narrative:
I'm a Chime Bank personal checking account customer. Last month, I sent my referral link to a friend so that we could both receive the {$100.00} bonus. The requirement was that my friend needed to complete a {$200.00} direct deposit, which he did. However, after a month, neither of us has received the bonus.I contacted Chimes chat support and also requested to speak with a supervisor. But they kept telling me to have my friend contact them, even though verifying whether the referral conditions were met should be the banks responsibility not mine. Why should I be the one to ask my friend to call them for confirmation? On top of that, the supervisor I spoke to over the phone was disrespectful and argued with me instead of helping. I can not accept that a bank would train their staff to treat customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I am filing this complaint because Experian continues to report an unverified collection account from XXXX XXXX XXXX XXXX ( Account ending in XXXX ), despite multiple CFPB complaints and clear legal violations by the collection agency. ** I previously submitted the following CFPB complaints regarding this issue : CFPB Complaint ID : XXXX, submitted on XX/XX/year> CFPB Complaint ID : XXXX, submitted on XX/XX/year> In both cases, XXXX XXXX XXXX XXXX failed to respond XXXX and the CFPB sent email notifications confirming the company was past due on its final response. 

Additionally, I want to highlight that XXXX XXXX XXXX XXXX has officially forfeited its right to conduct business in XXXX, where I reside. I included proof of this forfeiture in my initial complaint to the company. They are not authorized to report or collect debts in Texas, making any collection activityincluding credit reportingunlawful and unenforceable. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Experian is required to delete or correct any information that can not be verified within 30 days of dispute. It has now been over 45 days, and Experian continues to report this unverified, potentially fraudulent accountfrom a company that legally can not operate in Texas. 

I am requesting the immediate deletion of Account XXXX from my credit report, as it is unverified, improperly reported, and tied to a company with no legal standing to do business in my state.

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 2025-04-11 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/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 2025-04-11 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: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-04-11 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: AZ

Complaint narrative:
I am writing to formally dispute XXXX or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. 

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. Since I did not authorize this inquiry, I respectfully request that you :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: AZ

Complaint narrative:
My card was recently compromised in XXXX of XXXX. When I first called to dispute all of the items in question the representative whom I spoke with did not add all of the unauthorized transactions onto the dispute. Therefore I had a remaining balance that I was not aware of and resulted in my payment being XXXX late. I am very punctual and precise about making my credit card payments on time as my credit reflects. This error has affected my credit negatively and I need this resolved immediately. I need my account to be updated to every payment made on time and to remove the incorrect remarks stating I was XXXX late. 
I received a letter stating that those transactions were normal based on account history but that is incorrect as I have never used this credit card before until it was compromised. I requested documentation of the investigation that was conducted as it was inadequate. I am also forwarding these documents to the XXXX XXXX XXXX 
I have contacted my local police department on this matter and have attached a police report about this incident as well.

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 2025-04-11 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: NJ

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Investigation and Deletion of Inaccurate Reporting on Charged-Off XXXX Account XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate correction of inaccurate information being reported on my Experian credit report regarding a XXXX account that was previously charged off. 

As per my records and industry standards, once an account has been charged off, it can not continue to be reported as " past due. '' However, my credit report inaccurately shows this account as being past due as of XX/XX/year>. This is incorrect and misleading reporting. 

A charge-off means the creditor has closed the account and moved it to a loss categoryit can not simultaneously be reported as past due on a month-to-month basis. Continuing to show a " past due '' status after the charge-off date is not only erroneous but also a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and integrity of the information in consumer credit files. 

Experian 's failure to correct this inaccurate reporting is having a negative impact on my creditworthiness and personal financial standing. This type of reporting reflects a clear lack of understanding of proper credit data handling and must be resolved immediately. 

I am requesting that Experian : XXXX. Investigate and verify the accuracy of the reported data with XXXX. 
XXXX. Remove any post-charge-off delinquency entries ( such as past due notations dated XX/XX/year> and beyond ). 
XXXX. Provide written confirmation that this correction has been made. 

Please consider this letter a formal dispute under the FCRA. I expect a response within the XXXX timeframe mandated by law. 

Sincerely, 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 2025-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureau Name : Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX  Subject : URGENT DISPUTE Demand for Removal of Unverified & High-Risk Negative Items To Whom It May Concern, I am writing to formally dispute inaccurate, unverified, and high-risk negative items on my credit report in light of : 1. Glaring Inconsistencies Across Bureaus - Delinquent Accounts : XXXX ( XXXX ) vs. Experian ( XXXX ) vs. XXXX ( XXXX ) - Derogatory Marks : XXXX ( XXXX ) vs. Experian ( XXXX ) vs. XXXX ( XXXX ) - Collections, XXXX ( XXXX ) vs. Experian ( XXXX ) vs. XXXX ( XXXX ) These discrepancies violate FCRA 607 ( b ), requiring " maximum possible accuracy.

2. Recent Credit Bureau Data Breach The [ Year ] [ Bureau Name ] data breach exposed millions of consumers personal/financial data ( including mine ). Given this proven lack of data security, I have XXXX confidence in the integrity of the negative items reported. The FTC has repeatedly warned that breached data leads to **fraudulent or corrupted credit reporting. 

Legal Demands - Under FCRA 611 ( a ) ( 1 ), you must verify all disputed items within 30 days or delete them.

- Under FTC Data Breach Guidelines unverifiable data linked to a breach **must be treated as compromised and removed.

- Under FCRA 605, outdated items ( XXXX years old ) must be deleted. 


Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation