vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I took out a balance transfer for XXXX in XXXX of XXXX. This was for an interest free for 1 year. From TD bank, it is now 18 months later, and they are hitting me with interest charge saying that I didn't finish paying off my balance transfer. I have been paying more than what my due amount was for. I made more than the minimum payment by a few hundreds of dollars. I'm thinking they are using the extra money that I'm paying towards the balance transfer. In some months they only put XXXX dollars to the transfer. I made a payment in XXXX of XXXX for XXXX dollars, and they only took XXXX to put towards my balance transfer, when the minimum payment was for XXXX dollars. I shouldn't even owe them anything. They are saying I still owe over XXXX dollars. If they have been only taking out less, then XXXX dollars a month I will never finish even when they are getting hundreds of dollars extra. Now on top of that I'm now paying them interest fees. So, they are making extra money from me. You can say I paid off that balance transfer fee twice over. From XX/XX/XXXX to XXXX of XXXX, I have made payments of XXXX XXXX XXXX dollars to TD and the minimum was for the most XXXX dollars. But they only put less then XXXX dollars towards my transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 2025-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
I got a letter to settle for XXXX. I called. They lied to me said it expired. It had no expiration date. I ended up paying a payment of XXXX XXXX XXXX XXXX. I was asking for a contract the whole time they refused and told me once its paid theyll give it to me. Every time I ask, they get rude. Ive been hung up on numerous times. They are threatening. And now they want another {$4000.00}. This is the definition of fraud. Ive been verbally abuse they are nothing but extortion artist. I will pay what I owe and I did. Im a man of my word but now they want to take advantage of me because I have some money and they see that Im a young man and theyre trying everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MA

Complaint narrative:
The bank marked a negative payment without my consent even though I was complying with the minimum payment law at the time

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 2025-03-02 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: MA

Complaint narrative:
The bank marked a negative payment without my consent even though I was complying with the minimum payment law at the time

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 2025-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Capital One credit card account was closed and charged off XXXX of XXXX, despite being on a payment plan. By Capital One closing my account, and continuing to charge me interest, fees, my credit score dropped XXXX points. 

I want Capital One to immediately stop reporting my former credit card each month as " missed payments ''. There are no missed payments, because the account has already been closed by Capital One since they chose to write off my account in XXXX of XXXX. ( Capital One chose to close and write off the account, NOT me )... Despite closing my account and writing off the account, Capital One has continued to report " missed payments '' for the past six months on my credit scores, XXXX, XXXX, XXXX of XXXX and XXXX, XXXX and XXXX of XXXX, thus continuing to negatively impact my credit scores, despite the fact I was already dinged XXXX points. This has caused a high negative credit impact rating on my accounts. 

I have provided documentation, and reached out to Capital One, yet they continue to manipulate my credit scores and to this point, continue to get away with crushing what was a XXXX near perfect credit score. Capital One must be stopped, and I demand satisfaction and Capital One to be held liable and accountable for their continuation of credit score destruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: MO

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency. It remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-03-02 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:
Equifax , Inc . Customer Data Security Breach Litigation U.S. District Court for the Northern District of Georgia ( Case No. XXXX ) Violation of Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : 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  : {$520.00} I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and Mississippi state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
Upon reviewing my credit report I see a closed/paid account from prosper marketplace that I didnt and dont have any knowledge about not did I give any consent about this

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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent them a letter on XX/XX/year> asking for my credit report. I sent it certified mail/return receipt and got no reply. I called them on the automated line and requested that remove any fraud alert or freeze on my report. I have seen no effects of them doing it. I have went on EXPERIAN website and can not access my report. It says and i quote ... OOOOPS we have a problem call this number. When i call it asks for my SS # and zip code and won't allow me to speak to a live person. Then it just hangs up on me, on numerous occasions this has happened. I did once speak to a live person from EXPERIAN and she couldn't even pull my report and she works for them. Im getting HARD PULLS on my reports from companies and not getting credit, because they reply with missing information and no credit file found. This is a shady tactic by EXPERIAN and it's causing me stress and missed opportunities and affecting my credit score with the impact of HARD INQUIRIES.

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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 2025-03-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: AL

Complaint narrative:
Subject : Complaint Against XXXXXXXX XXXX  for Inaccurate Reporting and Failure to Provide 1099-C To Whom It May Concern, I am writing to formally submit a complaint against XXXXXXXX XXXX  regarding the inaccurate reporting of my account on my credit report. My account number is XXXX have disputed this account multiple times with XXXX, XXXX, Experian, and XXXX due to its designation as a " profit and loss write-off. ", Inaccurate payment history, and Inaccurate account status. Despite my efforts, XXXX XXXX XXXXontinues to report this account inaccurately without providing me with a 1099-C form, which is required for such a write-off. This lack of documentation raises concerns about tax implications and compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to dispute inaccurate information on my credit report, and I believe that XXXX has failed to fulfill their obligations in investigating and rectifying this matter. The continued reporting of this charge-off is not only misleading but also damaging to my credit profile. I request that XXXX immediately remove this charge-off from my credit report as well as the negative and inaccurate payment history until they can provide the necessary documentation to support their claims. It is crucial that my credit report accurately reflects my financial history, and I believe this accounts current status violates my rights under the FCRA. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely,

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 2025-03-02 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: AL

Complaint narrative:
Subject : Complaint Against XXXXXXXX XXXX for Inaccurate Reporting and Failure to Provide 1099-C To Whom It May Concern, I am writing to formally submit a complaint against XXXXXXXX XXXX regarding the inaccurate reporting of my account on my credit report. My account number is XXXX have disputed this account multiple times with XXXX, XXXX, XXXX, and Transunion due to its designation as a " profit and loss write-off. ", Inaccurate payment history, and Inaccurate account status. Despite my efforts, XXXX Bank continues to report this account inaccurately without providing me with a 1099-C form, which is required for such a write-off. This lack of documentation raises concerns about tax implications and compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to dispute inaccurate information on my credit report, and I believe that XXXX has failed to fulfill their obligations in investigating and rectifying this matter. The continued reporting of this charge-off is not only misleading but also damaging to my credit profile. I request that XXXX immediately remove this charge-off from my credit report as well as the negative and inaccurate payment history until they can provide the necessary documentation to support their claims. It is crucial that my credit report accurately reflects my financial history, and I believe this accounts current status violates my rights under the FCRA. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely,

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 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: TX

Complaint narrative:
I dont recognize this account Im a victim of XXXX  XXXX  and breach of information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: IL

Complaint narrative:
I am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft. Please remove these inaccurate accounts from my report 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 2025-03-02 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: IL

Complaint narrative:
I am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft. Please remove these inaccurate accounts from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: SC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-03-02 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: NY

Complaint narrative:
I have received a copy on my consumer reports and notice that you have provided transactions on my consumer report that is excluded by law under FCRA 15 U.S.C. 1681a 2Ai. 15 U.S.C. 1666b. 
XXXX XXXX never sent the periodic return along with the Section 1637 ( b ) disclosures. 
XXXX XXXX never submitted the periodic return along with the Section 1637 ( b ) disclosures.

I have requested proof that this information was submitted or delivered 21 days prior to the payment due date and this information was requested in good faith pursuant to Rule 1002 and was never provided. 15 U.S.C. 1666B and its requirements set the standards and guidance for a creditor to treat a late payment, but they are reporting a late payment and did not comply with the law. 
This is unfair, illegal, fraudulent, and unfair to me as a consumer! I have never been behind on this XXXX  XXXX account # XXXX I ask that you do an investigation and provide statements of these payments and if you can not verify the information then I demand that they be updated as timely payments, as they seriously affect my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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 XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian 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  ( Fair Credit Reporting Act , FCRA ) : 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 a
n 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 XXXX XXXX XXXX XXXX XXXX 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