23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

On XX/XX/XXXX my debit card number was somehow stolen on a brand new card I had just opened. The merchant it was stolen by was known as XXXX and they took out {$320.00} to pay for a previous membership subscription that I no longer used nor did I have that service attached to this card, because it was a brand new card. I contacted Instacash ( the app is known as Moneylion ) as soon as i saw this and demanded that they tell me HOW they got the card number that I did not give them myself, they refused to give me this information. I then contacted Chime 2 days later on XXXX XXXX and started a dispute to get my money back. They gave me a provisional credit of {$320.00} until they could determine an outcome of their investigation. On XX/XX/XXXX, they took the provisional credit back and told me that no error was found even though I clearly stated that my card number was stolen as I did not provide this information to the merchant that was debited from my account. This is insane how can they just take my card number and my money & my bank say theres no issue? I want my money back.
Product: Debt collection

When moving out i informed the rent office when I would be moving and when I would need an inspection. The day I was moving I was informed rent office had new staff and they can not find paper work from when I was going to move out so I would need to pay 2 mo rent for not giving 30 day notice then they would do a inspection. I moved and got a bill for the cleaning fee. I asked for a break down of what was damaged and bills and recipes to show how much was spent. I was informed that information would not be provided to me.
Product: Credit card or prepaid card

I am exercising my rights under the Fair Credit Reporting Act and seeking a debt validation. Additional documents are attached with additional requests.
Product: Debt collection

On XX/XX/2021, I received a notice from Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX stating that I should send them {$310.00} that I owe to XXXX XXXX XXXX for services they performed for me on XX/XX/2021. 

Knowing that I have been always covered by insurance, I checked my records and I saw that XXXX XXXX XXXX billed my insurance and got paid by them on XX/XX/2021. My portion for this bill was XXXX, which I paid with a credit card and I have the receipt for this as well. 

I believe Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX is trying to scam me.
Product: Credit card or prepaid card

I called to report a card, that I have had for years, lost and to get a new card. The card is through my bank BB & T. Without my permission or consent, the bank closed the account, permanently. I have spoken to multiple deparments and spent hours on the phone to no avail. All they will say is that I should just apply for a new account. All of this will have a negative impact on my credit score.

In other communications, they noted that it was closed because I didnt return a fraud call back. this is not accurate. The account was closed on the XXXX, which is the day I called to report the card lost.
Product: Credit reporting or other personal consumer reports

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

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Here is the list of accounts that are listed inaccurately on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is XXXX XXXX making a complaint against company TSI Ive had a previous complaint against them where they have responded XX/XX/2025 ( Via : CFPB Portal ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Re : XXXXur Reference No. Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Account No. : XXXX Dear XXXX XXXX : Transworld Systems Inc. ( TSI ) has received your complaint filed with the Consumer Financial Protection Bureau. TSI has researched this matter and the findings are set forth below : Please be advised that the above-referenced account is closed in TSIs system. It is TSIs intent to have no further communication with you regarding this matter. You may contact XXXX XXXX at XXXX XXXX XXXX, XXXX, TN XXXX for any further questions regarding your account. TSI has not reported the above-referenced account on your credit report. TSI can not affect a change to how the creditor or any other company may have listed the account on your credit profile. We appreciate the opportunity to respond to your inquiry. Very truly yours, TSI Consumer Affairs This is a communication from a debt collector. Calls to and from this company are recorded and may be monitored. However they have issued a letter to my home address dated XXXX XXXX and also received a text XXXX XXXX I will attach proof of documentation below. I ask for a cease and desist with this company I dont have a contract with them they cant provide contracts with my signature of any kind, they have contacted me after theyve stated they would not in the closed complaint dated XXXX XXXX. Ive been contacted via text and via mail after the complaint has closed. Theyve stated to the CFPB they will not contact me nor report anything to the credit agencies theyve provided inaccurate information and done the opposite once the complaint was closed. 
This complaint is to give TSI notice to cease and desist all contact with me or anyone else except the creditor about this alleged debt. Accordingly under 15 U.S.C section 1692c this is my formal notice for you to cease all further communication. As of XX/XX/XXXX you concluded to the CFPB This debt collector has violated THE FCRA The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) both allow for statutory damages of up to {$1000.00} for violations. This means that a consumer or debtor can recover up to {$1000.00} in damages from a collection agency.
Product: Vehicle loan or lease

Payments was late due to in forbearance with car loan company. In Accordance with the Fair Credit Reporting. USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit. Please adjust all late payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. 



EQUIFAX TRANSUNION Experian SUBJECT : Forma Dispute Regarding Inaccurate Information On My Credit Report. 

Dear : Equifax, Tranunion, Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. Im aware of my rights under the Fair Credit Reporting Act and request a through investigation into these inaccuraciens, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Exprerian for its failure to properly investigate consumer disputes, citing, sham investigation 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 consumers about the investigation resuls effectively. 

These obligations highlight systemic issues that directly undermine consumer prtextions and perpetuate the inclusion of inaccurate information on credit report. I am deeply concerned that my disopte may be mishandled a similar manner.

Prease review the inaccurate information being report : Under the FCRA you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. 

Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is removed from my credit report promptly. 

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thanks for addressing this matter for me very soon. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX placed a collection tradeline on my credit report some years back. The account was settled and paid XX/XX/XXXX. The account was removed from my transunion credit report XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX/XX/XX/XXXX it was reinserted on my credit report after it was already paid and previously removed. I disputed it with the credit reporting agency and they failed to remove it. I disputed it with XXXX and they 've also refused to remove it. 

I want it removed from not only Transunion but from all three credit bureaus
Product: Checking or savings account

I tried to move money out of my account and Huntington denied it and said it was for security. I had to provide my new banking account information to them to move my money. I provided that information and the person said it was fine. The money moved which was the max I could move at one time. I tried to move more and had the same issue. Huntington is withholding my money, this should be illegal. This is after I jumped through hoops to move my money once. Now, I have to spend more time to move my own money like they own it. They also wouldn't send me proof of my beneficiary which my bank sent confirmation to me in the mail. They do not show proof of peoples beneficiary.
Product: Credit card or prepaid card

I went to buy a washer and dryer and this store they offered me 0 interest in 12 months to pay i made all my payments even made More than what the minimum payment was and now they are charging me over {$1000.00} dollars in fees that I have no clue why
Product: Debt collection

Today XX/XX/XXXX, I got a notification from XXXX XXXX that there was activity new activity on my credit report upon review. I learned that tourist credit services added a collection under me for close to {$4000.00}. I have no knowledge of this. I dont know who they are what this is for And I just learned this today. I submitted a complaint with XXXX XXXX and I reached out to the company who is closed already today
Product: Credit card or prepaid card

The company refuses to handle my fraud claim. I had told the D

ispute Department right before I filed the claim that this was a fraud claim, and although they told me I needed to fill out a dispute form to complete the dispute process, they did not tell me I was unable to file a fraud claim. Instead they started the claim process on their end, and even provided me with a dispute case number. That right there says Im able to.

Additionally, The Electronic Fund Transfer Act ( EFTA ), is a federal law that protects consumers against fraud and account errors. The EFTA grants consumers the right to dispute transactions and establishing consumers liability for unauthorized transactions. Some examples of unauthorized transactions include a debit card gets stolen and is used by the thief to make a purchase. 

Last by certainly not least, right on Visa 's website it states, " Visa 's Zero Liability Policy* is our guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline. * Visas Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail. Visa 's Zero Liability Policy requires issuers to replace funds taken from your account as the result of an unauthorized credit or debit transaction within five business days of notification. '' ... XXXX XXXX XXXX I relayed this information to the company, and they chose to ignore it. If this does not get settled in the hands of the CFPB, a small claims suit will be filed in the near future.
Product: Credit reporting or other personal consumer reports

I submitted XXXX fraud claims with discover bank about a year ago with Discover Bank. I was reporting the whole statement since my card was stolen. The claims that were unfortunately caught in them were XXXX XXXX transactions to my mother. At the time I didnt know but these were made by mistake. I recently contacted discover bank because my mom cant open a bank account and cant use XXXX. I can support and a test that shes my mother. XXXX transactions in the amounts of ( XXXX {$200.00} {$75.00} $ ), moms name XXXX XXXX to my mother for groceries at the time I didnt have my card. Discover bank told me they couldnt do anything for me that its basically done deal. I filed these by mistake and didnt know that these transactions were in my dispute. These transactions were reversed back into my account stating the investigation was not on my favor meaning a legitimate transaction which has me confused.
Product: Credit card or prepaid card

This dispute is related to capital one credit card dispute process. Due to previous 2 disputes I had with Capital One recently, I really had 0 confidence of Capital one credit card dispute process and dispute centers. Today, I disputed this 3rd transaction as a test to look into the capital one dispute procedures. 
This case is really simple. I purchased a biscuit turnovers from my regular grocery store state bros, and the label didnt label its cheese components and Im allergic to cheese. It never happened before since it always had a cheese in the item name in previous labels. State brother said they cant help remotely until i go to the store again with a receipt. And I chose to dispute since i dont plan to go to the store any soon. Since its a {$10.00} dispute, I wasnt expecting this much hassle.

I called Capital one and specifivially told the dispute center employee that I dont want to have the follow up providing documentation procedures since its useless per my previous 2 complaints related to 2 previous disputes ( a returned merchandise and a written promise of credit ), so please reduce the dispute amount to XXXX or make this dispute a final resolution. She never asked me if im disputing the full amount of {$1500.00} and automatically disputed the full amount. Because she did that way, the capital one system immediately prompted to ask for more documentation stage and I was really upset. I basically told her my number XXXX reason of calling is to dispute the {$9.00} to avoid the hassle of Capital one useless documentation investigation stage. I asked her to transfer to her supervisor, XXXX XXXX XXXX. On XXXX XXXX. 
XXXX confirmed in the call that Capital one dont ask are you disputing the full amount or partial amount, and it always assume customers disputing the full amount. XXXX explained its a master card guideline. I am definitely not an expert of XXXX XXXX  guidelines, but i know for fact that my XXXX XXXX credit card always asks me the amount im disputing and dont always assume its a full amount. I think its not intuitive to Not confirm the dispute amount with customers and its probably a loop hole that capital 1 always has. It is always to defaultly dispute the full amount unless customers offer to reduce the dispute amount. please investigate. 
and btw, i think im gon na lose on this case once again when it goes into the documentation investigation stage, like how my previous capital one disputes ended. This dispute is to further prove theres issue with capital one credit card dispute process. Its simply not an intuitive procedure, Illy designed and very counter intuitive. Automatically dispute to full amount? What kind of design is that?
Product: Credit reporting

Any time I try to acquire my credit report from any agency or company, they are unable to " verify my identity. '' I have had a credit card for over eight years now, and any time I try to check my score, I get the same response from every single company.
Product: Checking or savings account

I was a new customer at BMO Harris Bank and opened a savings account with a coupon I had that promised a {$500.00} bonus if I met certain requirements. I met those requirements but did not receive the bonus. The bank was informed that I did not receive my bonus and I was told by XXXX XXXX of the XXXX WI branch that they would need to research the issue. I was later informed that because I have a son with an account at the bank and he is allowed to be a cosigner on my account to handle my finances for me ( I 'm XXXX years old ), I would not receive the bonus. I feel that this is ridiculous, unfair, and since it was not disclosed to me at the time I opened the account I believe that the account was opened under fraudulent pretense that I would receive the advertised bonus. Rather than reward my son for bringing the bank significant new business I am penalized for banking at the same bank my son uses. This is a sleazy way to do business and I am considering closing my accounts and moving to a bank that does not promise incentives and then look for ways to get out of fulfilling them. I lived up to my end of the agreement with the bank and I expect them to live up to theirs. I am also filing a complaint with the Wisconsin Department of Financial Institutions if this is not resolved immediately. I am entitled to a {$500.00} bonus and I expect to receive it.
Product: Debt collection

XXXX XXXX XXXX is trying to illegally collect a debt that I do not owe. Please see attached. I only used their gym for 2 months of a 12 month contract, but I paid the entire 12 months. In person, in writing, by phone and in email I have repeatedly told XXXX that I will no longer do any business with them. They continue to harass me, and are trying to coerce me into going back to their gym by abusing the collection process. 

Today I asked an employee of Aldous & associates to have an attorney review this, as no attorney has been used to review this yet. She refused to do so. 

There are XXXX  attorney generals office consumer complaints against XXXX XXXX XXXX XXXX XXXX, and even a XXXX  settlement against the company. They are still doing these illegal business practices!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX, XXXX. XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized accounts and inquiries on my transunion, XXXX, and Experian credit profile.