vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This XXXX  account is showing XXXX different amounts of late payments. Also, this account was closed in XXXX and they are STILL reporting on my credit report as current as XX/XX/XXXX. The information should not be reported being any longer due to the account being in closed status. All inaccurate late payment history from XXXX up to date should be deleted along with the account. XXXX report states XXXX missed payments while another states XXXX. All being reported on a closed account since XX/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 explanation
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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 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 explanation
Consumer complaint received 2025-03-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-03-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-03-10 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 non-monetary relief
Consumer complaint received 2025-03-10 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:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

I have attempted several times to have the following negative accounts removed XXXX XXXX the company has been paid and agreed to remove from credit report 3 years ago XXXX was removed from credit report and have not provided evidence of being verified and magically appeared back on 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 explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR THE LAST XXXX  YEARS, THE SAME PERSON IS LIVING HER LIFE USING MY IDENTITY, I HAVE BEEN TRYING TO GET THIS STRAIGHTEN OUT SINCE I BECAME AWARE OF THE SITUATION. IT IS TO THE POINT WHERE I CAN NOT USE MY OWN IDENTITY, I REQUESTED REPORTS AND UPDATES OF MY OWN PERSONAL INFORMATION BUT I CANT PASS THE IDENTITY VERIFICATION ON MY IDENTITY BECAUSE THE ACCOUNTS ARE SO MIXED UP. I HAVE SENT IN MY ID AND SSN CARD AND UTILITY BILL TO VERIFY ME AND STILL NO HELP. I HAVE BEEN DOING THIS SINCE XXXX. INCLUDED IS MY ID, XXXX AND A UTLITITY BILL AS WELL AS AN OLD CREDIT REPORT AND ALL INFORMATION THAT I HAVE ON THE PERSON PLEASE HELP I DO NOT KNOW THIS PERSON OR I DID NOT AUTHORIZE THIS PERSON TO USE MY IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR THE LAST XXXX  YEARS, THE SAME PERSON IS LIVING HER LIFE USING MY IDENTITY, I HAVE BEEN TRYING TO GET THIS STRAIGHTEN OUT SINCE I BECAME AWARE OF THE SITUATION. IT IS TO THE POINT WHERE I CAN NOT USE MY OWN IDENTITY, I REQUESTED REPORTS AND UPDATES OF MY OWN PERSONAL INFORMATION BUT I CANT PASS THE IDENTITY VERIFICATION ON MY IDENTITY BECAUSE THE ACCOUNTS ARE SO MIXED UP. I HAVE SENT IN MY ID AND SSN CARD AND UTILITY BILL TO VERIFY ME AND STILL NO HELP. I HAVE BEEN DOING THIS SINCE XXXX. INCLUDED IS MY ID, XXXX AND A UTLITITY BILL AS WELL AS AN OLD CREDIT REPORT AND ALL INFORMATION THAT I HAVE ON THE PERSON PLEASE HELP I DO NOT KNOW THIS PERSON OR I DID NOT AUTHORIZE THIS PERSON TO USE MY IDENTITY

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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXXB. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-10 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: FL

Complaint narrative:
This XXXX XXXX debt is considered a charge off. However, this is considered income because I should have received a 1099c as income. To account for this as income this is not a charge off. Im requesting that this is removed because it is not debt. This is considered income and reporting on my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I'm frustrated with the predatory and deceitful practices of Comenity Bank XXXX XXXX XXXX credit card. I typically pay all my credit card accounts in full. I'm stuck in a cycle with this bank of late fees upon late fees. 

XX/XX/XXXX I made a purchase at XXXX XXXX. 

XX/XX/XXXX I logged into my account and paid the account balance IN FULL. Unknown to me, they had posted a late fee of {$28.00} two days earlier. That amount was not present at the time of my interaction and therefore was not given an opportunity to include that amount in my payment. I walked away thinking this debt was fully paid off. 

I never saw follow up statements showing I had a late fee from XXXX. Conveniently, they have me on paperless statements. Consequently I was charged a late fee in XXXX for not paying the XX/XX/XXXX late fee ( which I was never informed of during my interaction on XX/XX/XXXX ). 

This all came to light when I was made aware XX/XX/XXXX via telephone that I had an unpaid balance. I logged in that night to discover a balance of {$58.00} of late fees. In order to maintain proper credit, I paid the entire account balance ( {$58.00} ) in full. This would be the first step in closing this account and leaving in good standing. My intent was to follow up with customer service and see if I could recoup any of the late fees charged. 

Saturday, XX/XX/XXXX I receive an email letting me know there was a new statement and yet somehow I had a balance of {$33.00}. This bank had ALREADY posted another late fee four days before my last interaction. Again, I was misled during my last interaction as there was no mention of a late fee or the ability to pay for it at that time. 

I spent a good part of this morning, XX/XX/XXXX speaking with three separate representatives. The best that I could do was getting {$28.00} partial credit towards the last {$33.00} late fee posted XX/XX/XXXX. 

What began as a {$35.00} purchase in XXXX, has become an inescapable cycle of expenses that is approaching XXXX XXXX of the initial purchase price. And that {$35.00} purchase was paid in full back on XX/XX/XXXX. 

I want to close this account and walk away without any damage to my credit. I have already paid {$58.00} in late fees that I feel were deceptively incurred. I should not have to pay any further amount {$5.00} or otherwise in order to settle this debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-10 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: MD

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 XXXX 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 ( XXXX XXXX XXXX XXXX ) 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 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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In XX/XX/XXXX, I made a payment of {$5000.00} to XXXX XXXX ( XXXX XXXX ) through my Capital One credit card. This payment was for a contract to develop a custom UI design for an app. However, XXXX XXXX failed to deliver the services as promised and misrepresented key terms. 

1. Non-Disclosure of Refund Policy The merchant denied my refund request based on a 7-day cancellation policy that was never disclosed in the signed contract. Wisconsin contract law ( XXXX XXXX. XXXX ) and Georgia contract law ( XXXX. XXXX ) prohibit enforcing contract terms not explicitly disclosed at the time of signing. Federal case law ( XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ) also confirms that hidden website policies are not enforceable unless explicitly agreed upon at the time of sale. 


2. Failure to Deliver Services as Promised The merchant promised a unique and custom UI design but provided a generic template that I was expected to customize myself. My role was not to build the design from scratch, and the delivered product did not match what was promised. This misrepresentation constitutes a breach of contract and failure to deliver services as agreed upon. 


3. Capital Ones Improper Handling of Chargeback Despite providing evidence of the merchants failure to deliver services and the unenforceability of the contract terms, Capital One denied my chargeback request. They cited the merchant 's refund policywhich was not disclosed in the signed contractas the basis for their decision. This violates my protections under the Fair Credit Billing Act ( 15 U.S.C. XXXX ), which requires that a card issuer approve a chargeback when a merchant fails to provide services as promised or enforces hidden terms. 



I am requesting that Capital One be required to reconsider my chargeback under the Fair Credit Billing Act and contract law. The merchants refund policy is not legally enforceable, and Capital One is facilitating a deceptive business practice by siding with the merchant under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a phone call from Bank of America. A person named XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX applied for an XXXX XXXX XXXX Credit Card. The Bank called to verify if i new this person and I do not. He apparently has my last four digits to my social security card and my home address. I was provided a case number XXXX XXXX. I was also asked if I received any notification from XXXX XXXX XXXX XXXX XXXX  about a data breach in which i did not.

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 2025-03-10 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: FL

Complaint narrative:
Equifax has failed to fulfill their legal obligation under the Fair Crediting Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Equifax has not corrected or removed disputed items causing ongoing harm to my credit. I am requesting immediate corrective action to remove the following hard inquires : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX from my credit report, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

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 2025-03-10 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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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