vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the month of XXXX of 2025 I submitted a dispute to Experian for improper use of my credit file for a financial gain and I asked that they research the Fair credit reporting act so they understand transactions can't be reported without the consumer being sent acknowledgement and had a chance to agree or disagree with the reporting of any account I had accounts with XXXX XXXX that I extended credit by way of promissory note also known as contract signed by beneficiary for the extended credits

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Claim # XXXX for {$16000.00} opened on XX/XX/year>. There were multiple unauthorized transactions on checking account from debit card with merchants of international origin. Once I opened the claim, the next business day 5 merchants for total of {$8700.00} were refunded directly from the unauthorized merchants with no contest. All of these merchants are based in XXXX as evidenced in research into companies provided in supporting document. Claim was originally denied and I have opened 3 appeals since claim decision. I am still missing {$7300.00} in fraudulent charges. I have provided Capital One document with merchant XXXX information, police report, and notarized affidavit of fraud. Capital One still continues to deny claim with no outreach as to what additional documents are needed to approve claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On Tuesday XX/XX/XXXX I made a {$500.00} payment to my Goldman Sachs Apple Card in an attempt to free up some credit for an emergency. Funds are usually made available to me within two business days. On XX/XX/XXXX the funds were still not available to me even though the money had already been taken out of of my account. On XX/XX/XXXX I called to ask why were the funds not available their response was The funds will be made available to you on XX/XX/XXXX. I explained I had a car emergency and asked the funds to be made available on the card or cancel the payment because I needed those funds ASAP for a car rental. They refused to either make funds available or cancel the payment. I called again on XX/XX/XXXX and asked to speak to a supervisor. I was told by a supervisor he was going to revert this payment within 10 business days. On XX/XX/XXXX They send me an email denying my request to refer the payment. On XX/XX/XXXX I had an in-person branch appointment with my bank manager to find solutions for my overdrawn bank account. My manger told me if this overdrawn account is not taken care of the bank will close my ONE AND ONLY BUSINESS ACCOUNT. If this happens Im gon na be out of business without a way to receive payments from my clients through my business website that is linked to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
Please be advised this is my LAST WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

I am a recent victim of a Data Breach that happened at XXXX XXXX and have provided official written proof of that with the FTC and the XXXX. The credit bureaus refuse to acknowledge my identity theft report and have accused me of knowingly providing false information and even going as far as saying the police report I provided is not from a Federal or State agency.

Despite previous written requests, the unverified items recently disputed still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the disputed accounts be verified or deleted immediately.

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 2025-04-01 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-01 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-01 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: NY

Complaint narrative:
FORMAL DISPUTE OF INACCURATE DELINQUENT REPORTING XXXX XXXX XXXX XXXX LINE OF CREDIT This letter constitutes a formal dispute under the Fair Credit Reporting Act (

FCRA ), 15 U.S. Code 1681i, unlawful reporting of a late payment on my credit file associated with the above-referenced line of credit. The reported delinquency is factually incorrect, unverifiable, and in violation of multiple provisions of the FCRA. I am enclosing documented evidence of timely payments indisputably invalidating the derogatory entry. Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate FCRA 1681i ( a ) ( 5 ) ( A ) Inaccurate data reporting. This inaccurate late payment is being reported without my permission, which directly violates FCRA 605B [ 15 U.S.C. 1681c-2 ]. This derogatory entry is materially damaging to my credit profile and must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
FORMAL DISPUTE OF INACCURATE DELINQUENT REPORTING XXXX XXXX XXXX XXXX LINE OF CREDIT This letter constitutes a formal dispute under the Fair Credit Reporting Act (

FCRA ), 15 U.S. Code 1681i, unlawful reporting of a late payment on my credit file associated with the above-referenced line of credit. The reported delinquency is factually incorrect, unverifiable, and in violation of multiple provisions of the FCRA. I am enclosing documented evidence of timely payments indisputably invalidating the derogatory entry. Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate FCRA 1681i ( a ) ( 5 ) ( A ) Inaccurate data reporting. This inaccurate late payment is being reported without my permission, which directly violates FCRA 605B [ 15 U.S.C. 1681c-2 ]. This derogatory entry is materially damaging to my credit profile and must be deleted immediately.

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 2025-04-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Re : CFPB Complaint XXXX Experian Potential Fraud Response To Whom It May Concern, I am in receipt of Experians XX/XX/year> response to my complaint, in which they suggest that potential fraud may be involved. I take this seriously and request that Experian provide : 1. Specific details on what they believe indicates fraud, 2. What accounts are in question, 3. Verification documents showing the original signed contract and payment history, and 4. Written acknowledgment if they are unable to verify the information. 

Under the Fair Credit Reporting Act ( FCRA ), any unverifiable, inaccurate, or incomplete item must be removed from my credit report. If no such documentation exists, I expect permanent deletion of the disputed accounts and written confirmation. 

Additionally, I request to be notified of any reinsertion attempts and provided proper notice under FCRA 611 ( a ) ( 5 ) ( B ).

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 2025-04-01 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-01 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND TRAFFICKING. 

Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I had 10 accounts showing 90+ days late payments due to inaccurate information provided by my loan servicer, Aidvantage XXXX On XX/XX/XXXX, I called Aidvantage and spoke with an employee ( ID : XXXX ). She stated the issue was caused by an incorrect mailing address, despite me living at my current address for the past three years. She acknowledged it was their fault and advised me exactly what to tell the credit bureau, stating they would not dispute the information back. She also mentioned that emails they sent me bounced back, which didnt make sense since I have used the same email for 13 years and received other emails from them in XXXX, XXXX, and XXXX. For them to say they emailed me in XX/XX/XXXX requesting more information is 100 % inaccurate, and now XXXX left picking up the pieces for their error. 

On XX/XX/XXXX, I spoke to XXXX XXXX ( ID : XXXX ), who again advised me to file directly with the credit bureau. I explained that I had already done so, but the information remained inaccurate. XXXX transferred me to her supervisor, XXXX ( ID : XXXX ). During our conversation, we uncovered that in XX/XX/XXXX, I applied for a deferment due to unemployment after losing my job in XXXX. XXXX claimed that I was emailed in XXXX requesting an awards letter to approve the deferment, but I never received any such email. The claim that the email bounced back is completely false, as my email has not changed. Again, Ive been receiving emails from Aidvantage in XXXX, XXXX, XXXX, and for many years prior, making it clear that the claim of a bounced-back email is inaccurate. 

This error by Aidvantage caused the 90+ day late payments, severely impacting my credit score. It is absolutely impossible for me to have known about the denial of my deferment or the missing documentation request, especially since I was never properly notified. Although I understand its my responsibility to manage my account, there is a clear responsibility on the servicers part to communicate, which they failed to do, as they had for 12 years prior. They were aware of the bounced-back emails but chose to do nothing, which could have easily been resolved with a simple mailed letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/year> I deposited a check for {$160000.00} from a home sale. I got an email that same day stating the availability would be divided into 3 parts {$300.00} on XX/XX/year>, {$30000.00} on XX/XX/year>, and XXXX on XX/XX/year>. A transaction for XXXX was rejected and I didn't understand. So I contacted Capital One on XXXX/XXXX/XXXX  and was told that no funds were available from the deposit. I could go to my account and see that Capital One deposited on XX/XX/year> for XXXX. A manager named XXXX came on the phone and told me it was a discrepancy on Capital One 's part and that it would take them 5 days to do. She was very dismissive and told me that I would be charged any fee for the rejected transaction that Capital One would not pay because they didn't cause it. The manager disconnected the call and told me she had done all she could do. I made a share to print my transaction history the same night as proof. The manager told me the email sent to me didn't matter and Capital One depositing funds on XX/XX/year> didn't matter either. If I had not been provided this information I would have never made a transaction that will now cost me a {$25.00} fee because it was rejected. What made it worse on XX/XX/year> the deposit still did not clear and Capital One deleted that XXXX was deposited by the bank on XX/XX/year> like it never happened. To me that is fraud. If I didn't print the transaction history I would have no proof that it did happen. I feel like they scammed me. Capital One needs to reimburse me the {$25.00} that I am being charged for the rejected transaction that was caused by them providing false information. It is fraud. The manager was not helpful at all and just made it seem like Capital One did nothing and it was my issue. I have completely lost trust and will be looking for another bank. I need my funds released and to be reimbursed for the fee for the rejected transaction. I have proof of the emails sent to me and the transaction history showing the deposit. Them changing it like it didn't happen should be a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts 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 explanation
Consumer complaint received 2025-04-01 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:
I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation