vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, Capital One offered a promotion for cash back. The terms listed that if I signed up for a free trial of XXXX, I would receive {$28.00} in cash back. I signed up for the free trial on XX/XX/year> and cancelled the service on XX/XX/year>. On XX/XX/year>, Capital One granted me the rewarded {$28.00} in cash back to my account. On XX/XX/year>, Capital One adjsuted my rewards to remove the {$28.00} with no explanation. 

On XX/XX/year>, Capital One offered a promotion for cash back. The terms listed that if I signed up for a consultation with XXXX XXXX, I would receive {$35.00} in cash back. I signed up for the consultation on XX/XX/year>. On XX/XX/year>, Capital One granted me the rewarded {$35.00} in cash back to my account. On XX/XX/year>, Capital One adjsuted my rewards to remove the {$35.00} with no explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
The credit agencies continue to disregard and violate me. I've been asking all three credit agencies for 30day verification of debt else removal. Since XXXX I've been sending them certified mail with return signature including dispute letters, FTC reports, police reports and supporting documentation of fraud and stolen identity. The agencies removed some items then they continue to reappear under another collection agency. Some of the alleged debt hasn't been removed at all. None of the debt can be verified with my signature, original contract or anything. Also there's dates on both of my mortgages reporting late since XXXX and XX/XX/XXXX. I sold the house on XX/XX/XXXX. Additionally, I froze my credit yet inquiries are still ran. Two companies ran over 40 inquiries each in less than a year. The credit agencies never removed them I've been requested the following below. 

1. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges. 
2. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name, which, according to your records, is XXXX. 
3. Evidence that your agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that you have purchased the debt. 
4. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim. 
Additionally, please provide proof that this debt has not been paid, settled, or discharged. If this debt is the result of identity theft or a mistake, I request that you remove any records related to this debt from my credit report. 
Please be advised that until this debt is validated, you may not continue to report it to any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
This title loan originated with TitleMax in XXXX XXXXXXXX XXXX XXXX. I relocated to XXXX XXXX and tried to make arrangements to pay what I could because I fell on hard times financially, but whenever I spoke to a representative they never wanted to negotiate or help me, just demanded full payment. 
On XX/XX/year> my vehicle was repossessed while I was at the XXXX XXXX XXXX XXXX. I never received any notice that my vehicle was even remotely in the process of being repossessed and my vehicle had my entire life in it ( clothes, electronics, debit cards, drivers license, etc. ). I panicked because I had no options and no one to help. I had to contact my family to help me and I had to move back to XXXX XXXX. XXXX XXXX XXXX has repossessed my vehicle, they have all of my property, and I am unable to make arrangements to retrieve my property. I feel like this entire process is suspect. They had my phone number and email address and they could have reached out to me let me know my vehicle was scheduled to be repossessed. My understanding is that I should have received some kind of written notice, so now everything I own is in my vehicle across the country and I have no way to retrieve my belongings. I need help and I feel like TitleMax and XXXX XXXX XXXX should return my belongings at their expense!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
The credit agencies continue to disregard and violate me. I've been asking all three credit agencies for 30day verification of debt else removal. Since XXXX I've been sending them certified mail with return signature including dispute letters, FTC reports, police reports and supporting documentation of fraud and stolen identity. The agencies removed some items then they continue to reappear under another collection agency. Some of the alleged debt hasn't been removed at all. None of the debt can be verified with my signature, original contract or anything. Also there's dates on both of my mortgages reporting late since XXXX and XX/XX/XXXX. I sold the house on XX/XX/XXXX. Additionally, I froze my credit yet inquiries are still ran. Two companies ran over 40 inquiries each in less than a year. The credit agencies never removed them I've been requested the following below. 

1. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges. 
2. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name, which, according to your records, is XXXX. 
3. Evidence that your agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that you have purchased the debt. 
4. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim. 
Additionally, please provide proof that this debt has not been paid, settled, or discharged. If this debt is the result of identity theft or a mistake, I request that you remove any records related to this debt from my credit report. 
Please be advised that until this debt is validated, you may not continue to report it to any credit reporting agencies.

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 2025-02-06 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: PA

Complaint narrative:
The credit agencies continue to disregard and violate me. I've been asking all three credit agencies for 30day verification of debt else removal. Since XXXX I've been sending them certified mail with return signature including dispute letters, FTC reports, police reports and supporting documentation of fraud and stolen identity. The agencies removed some items then they continue to reappear under another collection agency. Some of the alleged debt hasn't been removed at all. None of the debt can be verified with my signature, original contract or anything. Also there's dates on both of my mortgages reporting late since XXXX and XX/XX/XXXX. I sold the house on XX/XX/XXXX. Additionally, I froze my credit yet inquiries are still ran. Two companies ran over 40 inquiries each in less than a year. The credit agencies never removed them I've been requested the following below. 

1. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges. 
2. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name, which, according to your records, is XXXX. 
3. Evidence that your agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that you have purchased the debt. 
4. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim. 
Additionally, please provide proof that this debt has not been paid, settled, or discharged. If this debt is the result of identity theft or a mistake, I request that you remove any records related to this debt from my credit report. 
Please be advised that until this debt is validated, you may not continue to report it to any credit reporting agencies.

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 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-02-06 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: CO

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX - {$2900.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-02-06 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: PA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-02-06 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: AL

Complaint narrative:
Dear [ Credit Bureau Name ], I am writing to formally dispute an inaccurate item on my credit report, as per my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The account in question is listed as XXXX XXXX XXXX with account number ending in XXXX. 

This account contains multiple errors, including but not limited to : 1. Incorrect Payment History : The reported delinquencies do not accurately reflect my payment history, violating the accuracy standards required under the FCRA. 
2. Lack of Proper Verification : Under 15 U.S.C. 1681i ( a ), the credit bureau is required to investigate any disputed item within 30 days. If the furnisher of this information can not verify its accuracy, it must be removed.

3. Potential Violation of the FCRA : If this information was reported inaccurately or without proper documentation, it may constitute a violation of 15 U.S.C. 1681s-2 ( b ), which holds furnishers responsible for reporting only verified, accurate data.

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 2025-02-06 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: AL

Complaint narrative:
Dear [ Credit Bureau Name ], I am writing to formally dispute an inaccurate item on my credit report, as per my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The account in question is listed as XXXX XXXX XXXX with account number ending in XXXX. 

This account contains multiple errors, including but not limited to : 1. Incorrect Payment History : The reported delinquencies do not accurately reflect my payment history, violating the accuracy standards required under the FCRA. 
2. Lack of Proper Verification : Under 15 U.S.C. 1681i ( a ), the credit bureau is required to investigate any disputed item within 30 days. If the furnisher of this information can not verify its accuracy, it must be removed.

3. Potential Violation of the FCRA : If this information was reported inaccurately or without proper documentation, it may constitute a violation of 15 U.S.C. 1681s-2 ( b ), which holds furnishers responsible for reporting only verified, accurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NJ

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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 was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: TX

Complaint narrative:
During the COVID pandemic, I had a large reduction in my pay due a mandated job change. On an unknown date the pandemic, I had to cease paying my credit card bills associated with Discover Bank. 

XX/XX/XXXX XXXX XXXX XXXX sent me a packet in the US mail saying that I have a judgement against me that not been paid. I had not received notice that I needed to defend myself in court against any attempt to collect a judgement against me. This communication was the first time I had any knowledge about this. 

XX/XX/XXXX I sent a Debt Validation letter and a Cease and Desist letter to XXXX XXXX XXXX XXXX who were affiliated with Discover Bank. In the ease and Desist letter, I requested a copy of any contract I had with Discover Bank and gave them 30 days to provide one. At the end of the 30 days, they provided me with a stack of copies of monthly statements, but there was no copy of a contract. 

XX/XX/XXXX I discovered that my bank accounts had been frozen. Someone has also over drafted XXXX of my accounts in the amounts of - {$9700.00}, - {$9200.00}, and - {$9700.00} for what Discover had originally said was a bill in the neighborhood of {$4000.00} or {$5000.00}. 

XX/XX/XXXX I was served notice dated XX/XX/XXXX from XXXX XXXX Receivers with a Note of Protected Property Rights. I did not receive this until after my bank accounts had been frozen. 

XX/XX/XXXX I called I called XXXX XXXX Receivers to tell them that I do not owe the debt and to discharge said debt. They told me that they were a part of the court and were not affiliated with Discover Bank, and that I had to talk directly to Discover Bank. 

XX/XX/XXXX I called and talked with a Discover Bank representative and I requested that he discharge the debt. He told me that he could not discharge my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
XXXX was removed from 1 credit report but not the rest of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX was removed from 1 credit report but not the rest of them.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief