vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I made an airline reservation online with XXXX XXXX. Shortly thereafter, within minutes, a fraudulent charge came through on my credit card for {$2000.00} from some type of hotel reservation service that I DID NOT make called " guest reservations ''. I IMMEDIATELY called B of As fraud dept. and had the card cancelled/closed and a new XXXX XXXX XXXX was sent to me. 


It was close to midnight when I spoke to fraud rep. from B of A in XXXX AZ. She informed me that she would cancel the card and issue a new one. She also informed me that her computer system was down so she couldn't dispute the fraudulent charge from " guest reservations '', but for me to call back in a few hours. A few hours would have been approximately 2 am my time so I phoned the fraud dept. again the next morning. 

The fraudulent charge did come through on my credit card. I disputed it, and today, XX/XX/XXXX, I received a letter informing me that the fraud charge was denied because I received the merchandise and/or service!!!!!! I received NO merchandise or service! Please help. 

Below is the attached reference ID from B of A : Bank of America..png Fraud Claim for account - XXXX Claim is complete Updated XX/XX/XXXX Your claim is complete. View details for more information. 

Claim ID XXXX Claim amount {$2000.00} Claim opened XX/XX/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 monetary relief
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX and the credit bureaus for fraudulent and duplicate account reporting. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, requires credit furnishers to report only accurate, complete, and verifiable informationthis account fails to meet that standard.

Key details about this fraudulent account : This XXXX XXXX account is fraudulent and was not opened or authorized by me. 
XXXX XXXX is reporting this fraudulent account twice under two different names : XXXX XXXX ( Charge-Off on Experian ) with a balance of {$3400.00} XXXX XXXX XXXX XXXX ( Collection Account on TransUnion ) with a balance of {$3400.00} XXXX does not report this account at all, proving inconsistent and inaccurate reporting. 
I have already submitted an FTC Identity Theft Affidavit and a police report, yet the credit bureaus continue to verify this fraudulent account.

Why this account must be deleted immediately : Identity Theft Protection Laws ( FCRA, FACTA, FDCPA ) require immediate removal of fraudulent accounts upon proof of identity theft. I have provided proper documentation multiple times.

Duplicate account reporting is misleading, inaccurate, and unfairly damaging my credit. 
This fraudulent account must be flagged as identity theft and permanently deleted.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-05 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

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 2025-03-05 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: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
ACIMA DIGITAL FKA SIMPLE ( Account No. XXXX ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information ACIMA DIGITAL FKA SIMPLE Dear Sir or Madam, Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am formally requesting an immediate investigation into the information reported on my credit file regarding ACIMA DIGITAL FKA SIMPLE ( Account No. XXXX ). 

This account is being reported as Charged Off with a balance of {$2500.00} and an original balance of {$2100.00}. Under the FCRA, XXXX is required to ensure that all reported information is accurate, verifiable, and fair. 

I demand that you verify the accuracy of this account and provide clear and verifiable documentation that proves its legitimacy, including the original signed contract and a detailed payment history. If you can not provide concrete proof within 30 days, as required by law, I request the immediate removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX AMOUNT : {$550.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume they no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: LEXISNEXIS
State: NY

Complaint narrative:
please all the attached documents I will submit on the portal..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) XXXX Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, I realized that I was past due on my payment to Target Circle Credit Card ( Target Card Services, servicer to TD Bank USA, N.A. ). My payment was due on XX/XX/XXXXXXXX  and I immediately paid my statement balance. However, I realized I never received any e-mail messages or text messages about my balance or bill from the lender. I logged into their system and double-checked that all alerts were enabled and my contact information was correct. Although alerts for Payment Due Reminders, were enabled, I then checked their own system under " Alert History '' ( see attached screenshots, there was no alert sent for the Payment Due Reminder ) and realized that no mobile nor e-mail alerts have been sent for Payment Due Reminders. I did see that other alerts such as Transaction Alerts were sent. Thus, the lender 's system either contains a bug or a purposeful or accidental internal issue that is preventing any alerts about Bills or Payment Due Reminders from being sent to me. 

I reached out to the lender on the same day notifying them of this issue and asked how is this going to be fixed. I am not sure how long this issue has been occurring as I can not see the full alert history within the system but I have not received any e-mails about payment due reminders or bills since XXXX. I also mentioned that I have nearly XXXX XXXX XXXX with a credit history of 18 accounts and I have never missed a payment except for my Target Credit Card because of this issue. ( This is the second time this has occurred ). 

Their response did not seem to acknowledge the issue and instead told me my e-mail could be filtering alerts ( which is not the case because I receive other alerts from them ) or that I should enroll in auto-pay. I have provided screenshots of these messages. They also told me a late fee will be added if the minimum payment is not received by the payment due date. To me, this is unacceptable, especially when I have not received notifications of a bill due or payment due when I have these alerts enabled and am receiving other alerts. It almost seems intentional by the lender to charge me interest and late fees. I have never had this experience with any other lender and my payment history used to be 100 %, it was not until I experienced this issue with the lender 's lack of notifications that my payment history for my personal credit has decreased to 99 %. This is the second time I have missed a payment by a few days because of a lack of notification of bill or payment due by this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: LA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : DEPT OF EDUCATION/XXXX - Account # : XXXX Company Name : DEPT OF EDUCATION/XXXX  - Account # : XXXX Company Name : DEPT OF EDUCATION/XXXX - Account # : XXXX Company Name : DEPT OF EDUCATION/XXXX - Account # : XXXX Company Name : DEPT OF EDUCATION/XXXX XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Based on, 15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt Under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 . These accounts have violated my rights. Pursuant to 15 USC 1681 section 602 A states I have right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting can not furnish accounts without my written instructions. I am requesting the original copy of the agreement and terms and condition.

Failure to comply will forfeit your claim and will require you to delete all the list of items above. You are required to do what I am asking and block these trans actions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSERemove account or be held accountable {$1000.00} per account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I previously disputed the accuracy of the account XXXX XXXX XXXX with Equifax and XXXX, citing discrepancies and a lack of proper verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite my request, I have not received a detailed description of the verification process, as required by 15 U.S.C. 1681i ( a ) ( 7 ), nor has the account been removed. 

Additionally, this account was already deleted by XXXX, which demonstrates that the information is inaccurate and unverifiable. Equifax and XXXX have failed to correct this inconsistency, violating 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified, it must be deleted. Since neither bureau has provided sufficient verification, the continued reporting of this account constitutes a clear violation of federal law.

This failure to investigate and correct inaccuracies has caused harm to my credit profile and financial standing, and I seek immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
ccount Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$500.00} Highest Balance {$1200.00} Terms - On Record Until XX/XX/XXXX Upon reviewing my credit report, I noticed that this account is inaccurately reported as charge -off. Under the fair Credit Reporting Act ( FCRA ) - 611 ( 15 U.S.C.1681i ) I am requesting a formal investiagation of accuracy of this information this report.

1. Failure to issue form 1099-c ( Cancellation of debt ) : when
a creditor wries off {$600.00} or more, they are required by IRS to insure a form 1099-c for debit cancellation. I never received this form regarding the alleged charge-off, which rasies questions about the legitimacy and accuracy of this report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Based on, 15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt Under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 . These accounts have violated my rights. Pursuant to 15 USC 1681 section 602 A states I have right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting can not furnish accounts without my written instructions. I am requesting the original copy of the agreement and terms and condition.

Failure to comply will forfeit your claim and will require you to delete all the list of items above. You are required to do what I am asking and block these trans actions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSERemove account or be held accountable {$1000.00} per account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello My name is XXXX XXXXXXXX  I pull my credit report and notice some things on my file that was incorrect like my address and also some accounts that I done asked all three credit bureaus to remove. Such as Experian TransUnion Equifax they have a XXXX XXXX  bill on here that I asked them to remove which has been paid off and also they are using information that by law they are not supposed bro be using like a XXXX  XXXX when they wasnt giving permission to use and also a student loan that was discharged and I asked them to remove and they are not doing right and keep wanting to leave this on me like its joke I dont appreciate this and have asked them serval time to remove it

Company response to consumer: Closed with non-monetary relief