vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I recently did an investigation on my credit report which caused XXXX XXXXXXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. I know that credit reporting agencies supposed to report only 100 % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation not reporting 100 % accurate. Also your responsibilities as a data furnisher let me remind you are in violation of 15 U.S. Code 1681s2 - ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Company or Organization : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$480.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$55.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$400.00}

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 2025-04-05 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: Block, Inc.
State: CA

Complaint narrative:
I had {$560.00} worth of travel credit with XXXX XXXX I used said credit to purchase a flight home. Due to weather I had to change the flight multiple times. It didnt cost anything but I guess the airline payment authority flagged it as suspicious and cancelled the payment on the ticket. I went to the airport straightened it out. Reinstated the credit and had to book another night of my hotel because flight was pushed for next day ( I missed the flight I was supposed to be on because I was trying to figure out what was going on. ) I arrive at airport following morning. Same thing again! I didnt want to miss another flight so I asked them if I could just pay for a new ticket they said yes ( mind you original ticket I bought using travel credit was. {$220.00} business class now the flight cost {$400.00} for a basic economy ticket- so I also had to pay for 2 bags {$70.00}.

While I was waiting for flight I was emailing delta together things settled. Not until almost a month later did they email me saying the {$400.00} had been refunded and the travel credit was no longer valid. ( Ok so I used {$560.00} travel credit for something that should have cost {$220.00} and left me with a balance of XXXX travel credit, but after a month waiting I never received the refund of {$400.00} back in my card. So now I reach out to cash app to file a chargeback. I tell them at great length what happened, send them copy of email where delta states they are crediting the {$400.00} charge. And now twice cash back has denied my claim. And I still have not received my money back AND in the process lost the travel credit, so essentially have paid {$960.00} for something that should have cost {$220.00}. 

I dont know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. XXXXXXXX XXXX XXXX Account number XXXX Open date : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX Open date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account number:XXXX Open date : XXXX XXXX XXXX XXXX Account numberXXXX Open date : XX/XX/XXXX XXXXXXXX XXXX MI XXXX XXXX Account number:XXXX Open date : XXXX XXXX 6.DEPT OF EDXXXX Account numberXXXX Open date : XXXX XXXX 7. US DEPARTMENT OF EDU Open date : XXXX XXXX XXXXXXXX XXXX XXXX Open date : XXXX XXXX XXXXXXXX XXXX XXXX  Open date : XXXX XXXX XXXXXXXX XXXX XXXX Open date : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open date : XXXX XXXX XXXXXXXX XXXX XXXX Open date : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Open date : XXXX XXXXXXXX

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 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I had a customer request to open a Venmo account because it's the only way I would get paid for we working on her projects. I did so, she sent me the money for the work that was completed. I transferred all of it but {$250.00} within 2 weeks of doing so I received an email stating my account was froze, I took all steps required, they said there was suspicious activity so it's froze I called back spoke with a manager he said it all looks good that my funds will be released soon. I waited a couple more weeks to find another e-mailed stating my account is permanently closed and I will never be able to use there services. I still can't access the money but it shows it in the account..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I review my credit report and see some thing not correct, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-05 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I called Equifax and spoke to XXXX, They stated that they could not assist me and to contact my credit card company ( XXXX ). I contacted XXXX XXXX XXXXXXXX on XX/XX/XXXX credit card company and they stated that I made every payment and paid off my credit card as well. And my report from XXXX of XXXX this was corrected. 

I also contacted XXXX XXXX XXXX XXXXXXXX which was reported by Equifax that I missed a payment. Again, I called the customer service line and XXXX was not able to guide or help me clear up the error.. And my report from XXXX of XXXX this was corrected. 

XXXX XXXX XXXX XXXX Missed Payment- XXXX, XXXX, XXXX - XXXX Missed Payment - XXXX, XXXX, XXXX, XXXX, XXXX - XXXX Missed Payment - XXXX, XXXX, XXXX ( Amount {$2100.00} ) XXXX XXXX XXXX XXXXXXXX - Missed payment on XXXX  ( Amount {$5000.00} ) All payments were up to date on record for payment history on Equifax previously, not sure what might be going on but would like these correctly immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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 am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; 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 explanation
Consumer complaint received 2025-04-05 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX, I am writing to you in regards to the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the following accounts as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX, I am writing to you in regards to the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the following accounts 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 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I never received any bills that bill is due and when I call to make payment they have trouble and it causes missed payments on my credit report. The payments are up to date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: IL

Complaint narrative:
XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the Equifax data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report.

These include, but are not limited to : XXXX XXXXXXXX XXXX XXXX XXXX balance {$1200.00} XXXX XXXX XXXX : ACCOUNT BALANCE {$7900.00} XXXX. XXXX XXXX XXXX or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof. 
I am requesting that all fraudulent accounts, collections, and inquiries related to the Equifax data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MA

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information reported on my credit file regarding the XXXX XXXX account referenced above. Upon reviewing my credit report, I noticed the following discrepancies : XXXX. Account Status Discrepancy : TransUnion and Experian list the account status as Paid, while Equifax lists it as Derogatory. 
This inconsistency should be investigated and corrected to reflect a uniform and accurate status across all bureaus. 
XXXX Credit Limit and High Credit Inconsistencies : Equifax does not report a credit limit, while TransUnion and Experian both list it as {$700.00}. 
Experian does not list a high credit amount, while TransUnion and Equifax report it as {$1000.00}. 
XXXX. Payment Status Conflicts : XXXXransUnion and Equifax state Collection/Charge-off, whereas Experian marks it as Unknown.

Comments also differ across all three bureaus regarding how the account was settled. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the above information be verified with XXXX XXXX and corrected to ensure consistency and accuracy across all reporting agencies. Additionally, I am formally requesting a copy of the original credit card agreement associated with this account, as I have a right to review the terms and conditions I agreed to. 

Please investigate these matters and provide written confirmation of the outcome. If the information can not be verified, it must be removed from my credit file. 

Thank you for your attention to 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 2025-04-05 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: MA

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information reported on my credit file regarding the XXXX XXXX account referenced above. Upon reviewing my credit report, I noticed the following discrepancies : XXXX. Account Status Discrepancy : TransUnion and Experian list the account status as Paid, while Equifax lists it as Derogatory. 
This inconsistency should be investigated and corrected to reflect a uniform and accurate status across all bureaus. 
XXXX Credit Limit and High Credit Inconsistencies : Equifax does not report a credit limit, while TransUnion and Experian both list it as {$700.00}. 
Experian does not list a high credit amount, while TransUnion and Equifax report it as {$1000.00}. 
XXXX. Payment Status Conflicts : XXXXransUnion and Equifax state Collection/Charge-off, whereas Experian marks it as Unknown.

Comments also differ across all three bureaus regarding how the account was settled. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the above information be verified with XXXX XXXX and corrected to ensure consistency and accuracy across all reporting agencies. Additionally, I am formally requesting a copy of the original credit card agreement associated with this account, as I have a right to review the terms and conditions I agreed to. 

Please investigate these matters and provide written confirmation of the outcome. If the information can not be verified, it must be removed from my credit file. 

Thank you for your attention to 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 explanation
Consumer complaint received 2025-04-05 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: TN

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, Experian '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 XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Multiple phone calls per day, upwards of XXXX attempts Monday through Friday. Made several attempts to talk to individuals, no one physically talks, just automated phone responses, then hangs up. Constantly blocking phone numbers, upwards of XXXX different numbers have been blocked labeled Portfolio Recovery services LLC. I have XXXX accounts in collections according to XXXX, XXXX XXXX and XXXX which is checked on a consistent basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank account hacked and everything got reported to the bank and they closed the 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