vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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 identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-03-24 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, a unauthorized transaction was made to robinhood for {$1100.00} dollars. When i try sending the money back after noticing it was when i seen it already been sent by crypto. I spoke to XXXX who say they would also look into it. Wells Fargo issue me a provisional credit while they investigated. I did not receive no information from neither Wells Fargo or XXXX since then. Wells Fargo investigation found that there was no error and took the money back. I do not agree with Wells Fargo decision.

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 2025-03-24 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: CA

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 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 2025-03-24 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: AL

Complaint narrative:
my name is XXXX and I disputed a XXXX XXXX XXXX XXXX charge-off on my XXXX secondary credit report. After my dispute, the investigation was completed on XX/XX/year>. the account was deleted from my XXXX report. Generate a letter I can upload to the CFPB and send to the CRAs advising them of the deletion from XXXX. Include if XXXX deleted the account completely they will have to do the same due to the account now being verified. include any consumer laws that protect me as a consumer and encourage the credit reporting agencies to remove the unverifiable debt from my credit report within 30 days or less. if the unverifiable account is not removed within 30 days or less, please include any consumer laws that include my right to sue and take legal action.

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 2025-03-24 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: AL

Complaint narrative:
my name is XXXX and I disputed a XXXX XXXX XXXX XXXX charge-off on my XXXX secondary credit report. After my dispute, the investigation was completed on XX/XX/year>. the account was deleted from my XXXX report. Generate a letter I can upload to the CFPB and send to the CRAs advising them of the deletion from XXXX. Include if XXXX deleted the account completely they will have to do the same due to the account now being verified. include any consumer laws that protect me as a consumer and encourage the credit reporting agencies to remove the unverifiable debt from my credit report within 30 days or less. if the unverifiable account is not removed within 30 days or less, please include any consumer laws that include my right to sue and take legal action.

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 2025-03-24 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: AL

Complaint narrative:
my name is XXXX and I disputed a XXXX XXXX XXXX XXXX charge-off on my XXXX secondary credit report. After my dispute, the investigation was completed on XX/XX/year>. the account was deleted from my XXXX report. Generate a letter I can upload to the CFPB and send to the CRAs advising them of the deletion from XXXX. Include if XXXX deleted the account completely they will have to do the same due to the account now being verified. include any consumer laws that protect me as a consumer and encourage the credit reporting agencies to remove the unverifiable debt from my credit report within 30 days or less. if the unverifiable account is not removed within 30 days or less, please include any consumer laws that include my right to sue and take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
I am disputing the unauthorized reinsertion of an account from XXXX XXXX XXXX ( XXXX ) on my credit report. This account had been previously deleted and was not present on my XXXX report. Over three months later, it was suddenly reinserted without any notice or proper validation, which violates the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) ( iii ), a credit bureau must notify the consumer within 5 business days of a reinsertion and provide specific details, including the furnishers contact information and my right to dispute it again. I received none of this. Additionally, no evidence of a reasonable reinvestigation has been provided as required by 15 USC 1681i ( a ) ( 1 ) ( A ). This account was reported without my authorization and already filed FTC Identity Theft Report for it. To make matters more concerning, XXXX has not reported or reinserted this account, which raises further questions about the accuracy and legitimacy of this reinsertion by the other bureau ( s ). The reinsertion without following proper legal procedure constitutes willful and/or negligent noncompliance under 15 USC 1681n and 1681o. I am requesting the immediate and permanent deletion of this account and a full explanation of how and why it was reinserted. If not resolved, I am prepared to take further legal action.

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 2025-03-24 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-24 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: FL

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

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 2025-03-24 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JPMorgan Chase Bank has unlawfully committed identity theft by furnishing false and inaccurate information on the consumer 's credit report, specifically reporting a fraudulent debt in the amount of {$5700.00}. This false representation not only misrepresents the consumers financial standing but also constitutes a serious violation of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). By willfully reporting and verifying this erroneous information, despite the lack of authorization or legitimate debt obligation, JPMorgan Chase has caused substantial harm to the consumers creditworthiness and financial reputation. The Consumer alleges IDENTITY THEFT from Data Breach, as XXXX, XXXX and XXXX violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files ; failing to delete inaccurate, incomplete, or unverified information in consumer credit files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information XXXX reports on consumers. In addition, the complaint alleges that XXXX committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( 3 ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher. The Consumer seeks, among other things, to bring XXXX into compliance with the law, consumer redress, and the imposition of civil money penalties. Pertaining to the INACCURATE furnished Information by XXXX, XXXX and XXXX as well as DEPTEDXXXX in the amount of {$21000.00} which is false representation of inaccurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: MD

Complaint narrative:
Subject : Complaint Against Capital One for Unfair Dispute Handling Dear CFPB Representative, I am writing to file a complaint against Capital One regarding their handling of my dispute which I initiated on XX/XX/year> related to an unfair baggage fee {$240.00} charged by XXXX XXXX. Despite my repeated efforts to provide all requested documentation and evidence, from XX/XX/XXXX through XX/XX/XXXX, Capital One has reject my dispute constantly with the claim that it lacks all of the previously requested information needed to validate your dispute. 

Background : Flight Details : o Flight Confirmation Code : XXXX o Date : XX/XX/year>XXXX  o Route : XXXXXXXX XXXX XXXX XXXX XXXX 
Issue : I was charged an excessive baggage fee on my flight, which I believe is both unreasonable and was not properly disclosed at the time of purchase. I contacted XXXX XXXX and, after multiple communications, received a response on XX/XX/year> ( attached ). In their response, XXXX acknowledged my concerns and clearly stated that I was not adequately informed of the hidden fees, even though their policies state otherwise. They also confirmed that the responsibility for this dispute now rests solely with Capital One. 

Attempts to Resolve the Issue : 1. I have called Capital Ones customer service several times and even spoken with their managers.

2. At each step, I provided all the evidence requested by Capital One, including the detailed response from XXXX XXXX outlining my concerns and their acknowledgment of the fee disclosure issues. 
3. Despite these efforts, Capital One has repeatedly denied my dispute, using the same reason that my submission lacks all of the previously requested information even though I have complied fully with their documentation requirements. 

My Complaint : I believe that Capital One is not acting fairly by continuing to deny my dispute without proper consideration of the evidence provided. Their handling of my case is not only frustrating but may also be in violation of consumer protection regulations. I request that the CFPB review my case and take appropriate action to ensure that Capital One addresses my dispute fairly and in accordance with all relevant guidelines.

I have attached the email from XXXX XXXX dated XX/XX/year>, which clearly outlines their position and directs all further inquiries to Capital One. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2025, I opened a new Citibank checking account that offered a cash bonus with Qualifying Enhanced Deposits ( XXXX deposits qualify ) From XX/XX/2025 through XX/XX/2025 I made XXXX deposits and XXXX Deposits and Withdrawals. 
On XX/XX/XXXX  I received an Email saying that my account has been blocked for your security. I called customer service and was told that Citibank no longer wants me as a customer and a letter will be sent to me in 30 to 60 days. 
On XX/XX/2025 I met with Citibank assistant manager XXXX XXXX XXXX to close my account. She called Citibank and was also told that my account was blocked, and a letter would be sent to me in 30 to 60 days. She told me that my balance was {$500.00}. 
On XX/XX/2025 I received a phone call from Citibank assistant manager XXXX XXXX XXXX to tell me that she spoke to Citibank and received permission to unblock my account and to come to her branch so she could close my account I arrived at the bank and went to a teller who told me she could handle the transaction. However, she could not close the account. XXXX tried to help by calling Citibank and was told my account was blocked and a letter will be sent to me in 30 to 60 days. 
She promised to speak to her branch manager and get back to me the next day. 
On XX/XX/XXXX  she called to tell me that Citibank would not unblock my account, and a letter will be sent to me in 30 to 60 days. 
So, I can not 1 ) Login to get my bank statement and view my transactions.

2 ) Withdraw my money.

3 ) Close my account. 
I have never been treated so poorly by a bank. 
I followed up with their customer service on XX/XX/. The rep sent me my bank statement. 
Also, I received a check on XX/XX/XXXX  for the balance in my account.

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 2025-03-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX **Subject : Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) ** Dear EXPERIAN I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX 2. A COPY OF MY CREDIT REPORT copy of my identification I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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