vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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, 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 non-monetary relief
Consumer complaint received 2025-03-31 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: AK

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

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. 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. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX regarding inaccurate, conflicting, and misleading information they are reporting to all three major credit bureaus ( Equifax, XXXX, and XXXX ) under multiple account numbers : XXXX, XXXX, and XXXXSummary of Issues : - The same account appears multiple times under different numbers, all with conflicting details regarding payment history, last activity, and closure.- Payment records are incomplete or missing, yet contradictory statements about percentage of payments made are present with no documented proof.- The tradeline is marked Charge Off, Reported as a Loss, and Disputed by Consumer with no explanation or resolution.- Dates of last activity range inconsistently from XXXX to XXXX, which calls into question the validity and legal reporting status of the account.These discrepancies are harming my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have attempted to resolve this directly with both the credit bureaus and XXXX XXXX, yet the errors persist.In light of the CFPBs own investigations and enforcement actions against credit reporting agencies and data furnishers, I am requesting that my credit report be cleared of all inaccuracies associated with this account. The continued reporting of conflicting and unverifiable information is deceptive, damaging, and unlawful.Resolution Requested:1. Immediate removal or correction of all inaccurate and duplicate tradelines associated with XXXX XXXX on my credit reports.2. Confirmation that the reported information has been fully verified through original documentation and not assumed or algorithmically generated.3. Assistance from the CFPB to enforce proper compliance and prevent further harm.I trust that the CFPB will take this matter seriously and advocate on behalf of consumers like myself who are being harmed by negligent and unlawful reporting practices.Sincerely, XXXX XXXX XXXX XXXX. 
DOB : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX regarding inaccurate, conflicting, and misleading information they are reporting to all three major credit bureaus ( XXXX, Experian, and XXXX ) under multiple account numbers : XXXX, XXXX, and XXXXSummary of Issues : - The same account appears multiple times under different numbers, all with conflicting details regarding payment history, last activity, and closure.- Payment records are incomplete or missing, yet contradictory statements about percentage of payments made are present with no documented proof.- The tradeline is marked Charge Off, Reported as a Loss, and Disputed by Consumer with no explanation or resolution.- Dates of last activity range inconsistently from XXXX to XXXX, which calls into question the validity and legal reporting status of the account.These discrepancies are harming my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have attempted to resolve this directly with both the credit bureaus and XXXX XXXX, yet the errors persist.In light of the CFPBs own investigations and enforcement actions against credit reporting agencies and data furnishers, I am requesting that my credit report be cleared of all inaccuracies associated with this account. The continued reporting of conflicting and unverifiable information is deceptive, damaging, and unlawful.Resolution Requested:1. Immediate removal or correction of all inaccurate and duplicate tradelines associated with XXXX XXXX on my credit reports.2. Confirmation that the reported information has been fully verified through original documentation and not assumed or algorithmically generated.3. Assistance from the CFPB to enforce proper compliance and prevent further harm.I trust that the CFPB will take this matter seriously and advocate on behalf of consumers like myself who are being harmed by negligent and unlawful reporting practices.Sincerely, XXXX XXXX XXXX XXXX. 
DOB : XX/XX/XXXX SSN : 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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I realized my account was not working and required more verifications. I did so and submitted it on XX/XX/XXXX. Today, I checked and got a message stating my account was closed for not following the policy. I followed the policy. Even after it was suspended, I told an agent I was streaming a call live ( which I wasn't ; I was just frustrated at the long wait, and he decided to terminate the call, which is understandable ). I sent XXXX a week to my son, XXXX a week to my daughter, and a total of XXXX to my father-in-law for a truck I purchased. I sent XXXX a week with notes that said XXXX remaining to keep an ample and safe record, so I could not be told I did not pay. XXXX, my friend who did babysitting for us, got paid between XXXXw again, I keep track of it, so I can't be told I didn't pay. I spoke with supervisors and advised that this is illegal, I have done nothing wrong, and I even requested in an email all I said to the agents. I will be contacting an attorney if this fails to resolve. I am a lawful permanent resident, I give my legit SSN, I have done nothing wrong, and am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I tried multiple times on XX/XX/XXXX and XX/XX/year> to temporarily remove a credit freeze with Experian. 
I have spent hours trying to log in online with no success. 
I tried to access my frozen Experian account by calling the Experian customer service numbers, without success. I have called ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX AI Bot hung up on me each time, stating she could only connect to an agent for certain reasons. Apparently She did not think my reasons- being unable to access my account online in spite of multiple attempts valid, nor the reason that I requested a code multiple times via phone call to confirm my identity on line and never received a single code call valid. She did not tell me what was considered a valid reason. 

Because Social Security checks with Experian before setting up an online account I need to remove the credit freeze to allow Social Security to check my Experian account. 

I do not know what else to do. 
Please help.

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 2025-03-31 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
ADS COMENITY VICTORIA I am formally disputing the reporting of a charge-off on my credit report. Upon reviewing my records, I have determined that this reporting is inaccurate, misleading, and in violation of federal laws, warranting its immediate removal. A charge-off is classified as a certificate of indebtedness, which, by definition, converts the obligation into income for the original creditor. Under Generally Accepted Accounting Principles ( GAAP ) and IRS regulations, when a creditor writes off a debt as a loss, they claim a tax deduction, effectively relinquishing their right to collect. Once a debt has been charged off and financially accounted for, it should no longer be reported as an outstanding obligation against me. Additionally, once a third-party debt collector acquires a charged-off debt, it affirms that the original creditor has already written off the account. The sale of such debt further confirms that the creditor has received compensation for it, making any continued reporting improper and deceptive. Reporting a charge-off after the original creditor no longer owns the debt is an inaccurate and unfair practice under the Fair Credit Reporting Act ( FCRA ). Furthermore, under 15 U.S.C. 6802-6805 ( Gramm-Leach-Bliley Act - GLBA ), I am exercising my right to opt out of any nonpublic personal information sharing, including the reporting of this charge-off to third parties. The GLBA prohibits financial institutions from disclosing nonpublic personal information without providing consumers with an opt-out option. Since I was not properly notified nor given the opportunity to opt out of my personal data being shared in this manner, this charge-off must be removed immediately. Additionally, under the Privacy Act of 1974 ( 5 U.S.C. 552a ), any entity reporting information must ensure accuracy, relevance, timeliness, and completeness. A charge-off that has been sold or reassigned to another party does not meet these legal standards and should no longer be reported as a valid obligation under my name. I am demanding that you conduct a full investigation under 15 U.S.C. 1681i ( FCRA ) and provide legally admissible documentation proving the validity of this charge-off. If verification can not be provided, this derogatory entry must be deleted from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-31 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT IN MY REPORT .PLEASE REMOVE THOSE ACCOUNT FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ( 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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I've been banking with Navy Federal for 5 years now. On XX/XX/year>, I called Navy Federal and told the person I spoke with that my debit card is not working. The person I spoke with told me my card is expired and I'd need a new one sent in the mail and the PIN will be sent in after the card is mailed out. A new card was sent in the mail which I never received. I waited for the card in the mail after 15 days. I decided to visit a branch and was told that my account has a lot of withdrawals. I asked " How can that be when I don't have my card? '' There were several ATM withdrawals made at various different ATMs totaling {$10000.00}. Navy Federal reimbursed me {$7000.00}, {$2000.00} and {$1000.00} as a temporary credit. I was then denied on the claim because Navy Federal believes I made the withdrawals or gave someone the PIN. How is this possible if I never received the card in the mail or the letter with the PIN. It's Navy Federals lack of security to send out a PIN in the mail with the debit card and then tell me that it was my fault. I am extremely taken by this experience with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/year> I rented a car from XXXX located at XXXX XXXX XXXX XXXX, XXXX IL XXXX which by the way is permanently closed. With XXXX extensions. Exact dates below. 

I rented the car from XXXX until XXXX. My car was in a body shop whom referred me to this particular XXXX due to them referring clients and organizing pick-ups for rentals rather then the client turning it in directly to the location. The total amount for the time I had the vehicle was {$490.00}. XXXX. 

I called the XXXX location and requested a pick-up as instructed by the owner of the body shop which was scheduled for XX/XX/year>. This experience quickly turned into a nightmare when I received a notification that my credit card was over limit and I was charged {$3400.00}. I right away filed a dispute with the credit card company and submitted whatever proof I had including written statements from the owner of XXXXXXXX XXXX  stating when I returned the rental. They accused me of having the car for more the 30 days. I did not know what to do and in the midst of this chaos I lost my step father so I just gave up the fight. I honestly did not know what else to do until recently when I came across a video and a young lady mentioned you all. 

Please help! I have submitted to the XXXX regarding this even got the attorney general involved but they to could not do much to help as they were not receiving any responses from the XXXX place or XXXX to investigate further. 

It is between XXXX and or XXXX XXXX whom were joy riding in this vehicle for days and never notified me that it was not picked up the same day they confirmed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MI

Complaint narrative:
Please see the attached letters. I have reached out to all three credit bureaus in regard to validation of debts and the removal of said unknown debts. I have also requested old inquiries to be removed and also looked into as I am not familiar with the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NV

Complaint narrative:
I have sent numerous emails and letters disputing inaccurate information on my credit report. 

Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
b'I am writing to file a formal complaint regarding an unauthorized charge of XXXX  made by XXXX and processed by Capital One, for a rental that was misrepresented, defective, and never authorized at that amount.\n\nBackground:\n\t\tOn XXXX XXXX XXXX, I reserved a XXXX XXXX XXXX through the XXXX partnership (Attached), with the advertised price clearly stated as XXXX/week (Attached). I was quoted and agreed to pay approximately XXXX including taxes.\n\t\tAfter just one day, the vehicle experienced serious suspension issues, confirmed by a mechanic (attached). I wasted valuable time visiting a repair shop, cleaning the car, then exchanging the car, and dealing with poor customer support instead of receiving a safe, working rental.\n\t\tThe replacement vehicle was also in poor condition, cigarette odor, poor hygiene, strange noises, and the XXXX access was not  activated during this period XXXX XXXX XXXX XXXX XXXX which I can prove if required. Customer service was either unreachable or dropping calls intentionally. Finally I spent 40 minutes on the phone with XXXX Emergency Roadside Service on XXXX XXXX (call log attached) trying to return the car as it felt UNSAFE to drive which I did within six days, well even before the rental term ended.\n\nI then immediately disputed the XXXX  charge with Capital One, as it was more than double the agreed price and completely unauthorized.\n\nIssues and Misconduct:\n\t1.\tUnauthorized Charge:\nI never signed or approved any charge above XXXX Despite multiple requests, neither XXXX  nor Capital One provided a signed receipt or valid proof of authorization. The XXXX website only shows a loading screen when I attempt to retrieve the receipt (screenshot attached).\n\t2.\tMisleading Pricing & Bait-and-Switch:\nThe advertised rental was XXXX/week. Charging XXXX without notice, breakdown, or consent is deceptive and fraudulent.\n\t3.\tUnsafe Vehicles & Poor Support:\nBoth vehicles were in unacceptable condition, and my repeated efforts to contact XXXX were either ignored or mishandled. This reflects a clear failure in basic customer service.\n\t4.\tCapital Ones Mishandling of the Dispute:\nEven after providing a mechanics report and a written request for signed proof, Capital One closed the case without obtaining proper documentation from XXXX, which violates the Fair Credit Billing Act.\n\nI appreciate your attention to this urgent matter and look forward to your support.\n\nSincerely,\nXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation