vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: LA

Complaint narrative:
Transunion refuses to take ID THEFT seriously. Ive been disputing a fraud account for over XXXX years now and they will not remove the account nor provide any proof this account really belongs to me. I have sent a TROVE of supportting documents in support of this begin fraud and yet they will not do anything! Per the new law that was put into effect. It requires credit reporting agencies to provide proof of who is reporting what to them and to provide this to the consumer upon request. Transunion ignores my request to provide this. I demand this account be REMOVED ASAP or i will be forced to take further action!! The account is XXXX XXXX XXXX it was opened on XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I made a payment to my XXXX account from my cash app account. I keep this card locked always and keep an eye on it. I have XXXX devices my has a fingerprint to open as well as a password. My XXXX  only has a password for security but it does not have any banking apps on the XXXX but it does have a email tab which I tried to take off without success. Can someone with knowledge steal the transaction and have it sent to their card? See I live in a XXXX XXXX XXXX XXXX XXXX could this person do this from my phone or their phone? A payment did not get onto my bill but the payment amount was taken from the account. I need to know what happened to the money. I did this on XXXX XXXX XXXXXXXXThat is the problem, the transaction that I did this on the second is not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-05-06 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: EQUIFAX, INC.
State: DE

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 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year>, I called Kohls Capital One they transferred me to XXXX XXXX XXXX regarding a debt and we agreed to settle it for approximately {$500.00}. I informed the representative that I needed a written settlement confirmation via email before making the payment. She assured me that it would be sent. After I submitted the payment, she stated it was too late in the day to send the letter and that I would receive it the following morning, XX/XX/XXXX. 

As of today, XX/XX/XXXX, I have not received any written confirmation by email or mail. When I followed up by phone, the representative said she did not know why the letter hadnt been sent and could not provide any further explanation. I now have no written proof that my debt is resolved, despite paying in good faith based on the promise that a confirmation would follow. I believe I was misled into making the payment without receiving the proper documentation as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: OK

Complaint narrative:
My account with XXXX XXXXXXXX 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 in to be removed. 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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Trying to collect a debt that has already been charge off. They keep saying I'm late on payments that is almost 4 years old. I'm now having negative impact on my credit report because of this, that just started happening this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
I am submitting this complaint to dispute and demand correction of inaccurate, misleading, and factually erroneous information being reported by Toyota Motor Credit regarding my former lease account ( Account # : XXXX ). 

This account was fully paid and the leased vehicle was returned to Toyota Motor Credit over XXXX months ago. However, as of the most recent credit bureau reporting cycle, the account is still being reported as " past due XXXX days '' and continues to show an open monthly payment obligation and outstanding balance, which is materially false. 

This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information to consumer reporting agencies that they know or have reasonable cause to believe is inaccurate. Once the account was settled and the vehicle returned, Toyota had an affirmative duty under 15 U.S.C. 1681s-2 ( a ) ( 2 ) to update or correct the reporting. It failed to do so. 

Moreover, this type of reporting is inherently misleading, triggering legal liability under the precedent established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). That case held that even information that is technically accurate may be considered misleading if it creates a materially false impression to potential creditors. Reporting a paid-off lease account as past due XXXX months after it was closed and returned falls squarely into this category. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have formally disputed this information and requested an investigation. Toyota Motor Credit, as a data furnisher, was required to conduct a reasonable reinvestigation and correct or delete inaccurate or unverifiable information within 30 days under 1681i ( a ) ( 5 ) ( A ). The continued misreporting violates these statutory obligations. 

The continued publication of this false tradeline is damaging my credit standing and misrepresenting my financial reputation. It also exposes Toyota Motor Credit to liability under FCRA 1681n for willful noncompliance, and 1681o for negligent failure to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: EQUIFAX, INC.
State: PA

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 explanation
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-06 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: Experian Information Solutions 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 explanation
Consumer complaint received 2025-05-06 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: PA

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 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 2025-05-06 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: TN

Complaint narrative:
XXXX XXXX account is reporting inaccurate information on my credit report. I've disputed this information numerous times with Equifax, but they keep saying the information comes back as verified. The account opened date is XX/XX/XXXX but the date last active is XX/XX/XXXX. This is unusual because the date the account was last active would typically happen before or on the same date as the account was opened, not after. Also, this account is showing late XXXX  days, but how can it be late XXXX days when the past due balance shows {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my former roommate gave all my personal property away including my cell phone. I lived with my former roommate for XXXX XXXX XXXX XXXX XXXX  so they did know how to get into my phone, emails, phone contacts etc. Begining after my XXXX started until about 3 weeks before my release several chime to chime pay anyone transactions were done totaling {$2000.00}. I do not know the person the money was sent to and had never had any previous transactions with them prior to my XXXX Also During this time frame a {$150.00} my pay advance was taken out. Once I was released from XXXX  and was able to access my account I realized what happened and filed the first dispute. It was denied a week later. I have refined the dispute 4 times and it has been denied every time. I provided everything Chime asked for. I sent my XXXX credit sheet which shows when XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent my XXXX XXXX  that has the information of when I arrived at the XXXX and I sent my XXXX XXXX  which had my photo, name, date of birth and XXXX XXXX. I have more than proven I did not make and was not even able to make the transactions, but yet I am told it's just a loss I have to take. I have been a Chime customer for 6 years with no issues until now. I am on XXXX and on a very fixed income. {$2000.00XXXX XXXX XXXX was something I couldn't afford to just lose. I just need someone to help me try to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-06 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-06 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: DE

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in to be removed. 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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I have had my legal name changed by a court order this year and as apart of that process I have to update any party that used that previous name for any legal reasons. I called them and the agent on the phone refused allow me to update my legal name or provide me my full account number. Instead of assisting me in this as they have to update my legal name so it is correctly reported on my credit report. Not doing so can negatively affect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
I am filing this complaint against Experian for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite previous formal disputes, Experian has failed to correct or delete inaccurate late payments and unauthorized credit inquiries that remain on my credit report without proper documentation or legal verification. 

As per FCRA Section 611 ( 15 U.S.C. 1681i ) and Section 609 ( 15 U.S.C. 1681g ), Experian is required to conduct a reasonable investigation and provide full documentation supporting the accuracy of any disputed item. I requested verification documentation, including payment histories and signed authorizations, but Experian has failed to provide any. 

Disputed Late Payments XXXX Account Number : XXXX Issue : Inaccurate late payments Requested Action : Remove all negative payment history. Do not delete the accountonly correct the payment history. 

XXXX Account Number : XXXX Issue : Inaccurate late payments Requested Action : Remove all negative payment history. Do not delete the accountonly correct the payment history. 

XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Inaccurate late payments Requested Action : Remove all negative payment history. Do not delete the accountonly correct the payment history. 

XXXX XXXX XXXX  Account Number : XXXX Issue : Inaccurate late payments Requested Action : Remove all negative payment history. Do not delete the accountonly correct the payment history. 

XXXX XXXX Account Number : XXXX Issue : Inaccurate late payments Requested Action : Remove all negative payment history. Do not delete the accountonly correct the payment history. 

Disputed Inquiries ( Unauthorized No Permissible Purpose ) 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 XXXXXX/XX/XXXX All of the above inquiries are being disputed for unauthorized permissible purpose. No signed authorization exists, and no permissible purpose has been demonstrated by Experian as required under FCRA Section 604 ( 15 U.S.C. 1681b ).

FCRA Violations by Experian Failure to conduct an independent and reasonable investigation ( FCRA 611 ) Failure to provide documentation used to verify accuracy ( FCRA 609 ) Failure to delete unverifiable or unauthorized information Continued reporting based on incomplete or unverifiable responses from furnishers ( per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Willful violation in reporting unauthorized inquiries ( see XXXX v. Experian, 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