23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

i am filing 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. The practice violates the Fair Credit Reporting Act, FCRA 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act, CFPA 12 U.S.C. 5536, as highlighted in the CFPB 's recent administrative proceedings ( File No. 2025-CFPB-0002 ) 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. These are the accounts i marked as inaccurate. ( XXXX ) ( XXXX ) ( XXXX )
Product: Vehicle loan or lease

Was sold and financed a used car that was considered a total loss by insurance and I was not told or made aware so I owe less than the car would be worth but cant sell it for anything because of the total loss history
Product: Credit card or prepaid card

I asked for Citi to make a payment from an external account that didn't have enough funds. 
After initial attempt Citi made a XXXX  attempt, without my permission, and I called to stop payment and was told that I can not do that for XXXX XXXX. I asked if Citi would attempt to withdraw XXXX  more times, incurring more external bank fees and Citi fees. The representative wouldn't answer and kept reading off prompts that didn't apply. 
Citi attempted to withdraw XXXX times, without my permission, on XX/XX/XXXX and XX/XX/XXXX and incurred an additional {$60.00} in insufficient funds fees from the outside bank. 
I called Citi to get the {$60.00} paid to me since I made every attempt to avoid them. After I told the representative I was looking for a refund Citibank, the XXXX largest bank in the XXXX, said they were having issues and can't access the credit card records and I will have to call again later.
Product: Payday loan, title loan, or personal loan

The company approved for loan amount of XXXX in XX/XX/2019 first installment due date XX/XX/2019. I was verbally set up through customer service to have my savings account to make automatic payment monthly to also save in interest rate at 25 % verses 27.99 % Due to the monthly auto pay. On Monday XX/XX/XXXX I checked with my savings no withdraw had been made. I called Marcus Sach and they said there must have been and error when setting up the payment, Why did I receive the loan it was deposited with no problem they said they would arrange again to fix the problem On Tuesday it still was not fixed, I called again and they again said it was fixed. Wednesday no payment still I again spoke with this time a manager and he said to check with my bank the bank indicated there had been no attempt from them to withdrawal. On this day I made a one time  transaction to pay over the phone so it was successful. The interest rate is 5 % daily after the site date as these fees will fall at the end of the loan. It was not my fault as the agreement at the beginning also to get a cheaper interest having set up on monthly auto pay. I think that this was purposely done and may have happened to other consumers, I feel it is a scam and illegal.
Product: Credit reporting

Account # XXXX - XXXX XXXX XXXX Transunion is reporting my XXXX XXXX XXXX account as 30 days late for XXXX & XXXX of 2016. I have contacted XXXX XXXX XXXX and they confirmed that the account was NOT 30 days late XXXX & XXXX of 2016. They advised it was the credit bureau reporting it in this manner. This delinquency needs to be removed. Transunion refuses to correct the issue.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$500.00}
Product: Credit reporting

I have disputed the accuracy and completeness of my credit report by Trans-Union. They have continued to state they can verify information and the pay history is not in chronological order on any of my student loan information XX/XX/XXXX and XX/XX/XXXX. 
They are not accurate. They are reporting according to the FCRA
Product: Checking or savings account

Pnc is no longer allowing me to deposit roundups into my XXXX account.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to have a credit card credit limit increase with the XXXX XXXX XXXX XXXX XXXX. I was told the application could not be processed, due to my SSN not matching what was being reported by Equifax. The first three numbers of my SSN had been change on my Equifax file. I have called Equifax on XX/XX/2021 upon learning of this fact. The call center in XXXX, which appears to be the only way to contact Equifax was decidedly unhelpful. 

I have mailed a request for an investigation and remedy of this matter to Equifax. I want to know how my SSN was changed in their system. Who initiated this change, and what information is currently attached to my original SSN. 

It is ridiculous how you ( the Federal Government ) allow these agencies to hide behind screens of anonymity and a lack of accountability.
Product: Credit reporting or other personal consumer reports

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : Erroneous Late Payment Reporting and Unfair Credit Damage by XXXX XXXX Summary : I am filing this complaint against XXXX XXXX for the erroneous reporting of late payments on my credit report, which has caused significant and unjust damage to my credit score. Despite multiple attempts to resolve the issue directly with XXXX XXXX, they have refused to correct their mistake, leading to ongoing financial harm. 

Details : Initial Late Payment Error ( XX/XX/XXXX ) : On XX/XX/XXXX, I made my monthly loan payment to XXXX XXXX, well before the due date of XX/XX/XXXX. However, the payment sat pending in XXXX XXXX payment portal until XX/XX/XXXX. On XX/XX/XXXX, despite the payment being made on time, XXXX XXXX incorrectly reported a late payment. 
I immediately contacted XXXX XXXX, providing evidence that my payment was submitted on time. Nevertheless, they refused to reverse the late payment, resulting in a significant and unwarranted impact on my credit score. 
Request for Extension and Additional Late Payment ( XX/XX/XXXX ) : On XX/XX/XXXX, due to economic hardships and unexpected vehicle issues, I requested an extension on my payment from XXXX XXXX. They agreed to the extension, provided that I paid {$150.00} in interest, which I promptly paid before the new due date. 
Despite my compliance and efforts to avoid another late payment, I was notified on XX/XX/XXXX, that XXXX XXXX had again reported a late payment on my credit report. This reporting is entirely unjustified, as the extension was granted to prevent exactly this outcome. 
Impact : The erroneous late payments have caused a catastrophic XXXX drop in my credit score. 
This has not only affected my financial standing but also caused significant emotional distress, as I have consistently paid my loan on time for many months. 
Legal Grounds : XXXX XXXX  actions violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, which requires that furnishers of information ensure the accuracy and integrity of the data they report to credit agencies. 
Additionally, their refusal to correct this clear error is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692, which protects consumers from unfair and inaccurate credit reporting practices. 
Request for Resolution : I respectfully request that the CFPB intervene to ensure XXXX XXXX corrects these erroneous late payments on my credit report. 
I also seek compensation for the damage to my credit score and assurance that XXXX XXXX will adhere to accurate and fair reporting practices in the future. 
Attachments : ( Include any relevant documentation such as payment receipts, communications with XXXX XXXX, and credit reports showing the impact on your score. ) Conclusion : XXXX XXXX refusal to correct their mistake has caused significant and ongoing harm. I seek the CFPBs assistance in resolving this matter fairly and restoring my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS THE ACCOUNTS LISTED DO NOT BELONG TO ME MY INFORMATION WAS STOLEN I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Consumer Financial Protection Bureau, I am writing to dispute the validity of a debt allegedly owed to XXXX. XXXX, XXXX ( creditor ). The creditor 's information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX *Account Information* Account Number : XXXX I dispute this debt for the following reasons : 1. Lack of verification : The creditor has failed to provide sufficient documentation verifying the debt.

2. Inaccurate information : The debt amount/account status is incorrect.

Pursuant to 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I request : 1. Immediate cessation of collection activities.

2. Validation of the debt, including original contract/agreement.

3. Verification of account balance.

Please investigate this matter and ensure the creditor complies with federal regulations. 

Sincerely, XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I am aware of certain rights I have that are protected by Congress under the Fair Credit Reporting Act ( FCRA ). 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX  XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

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

I'm a victim of the NPDData Breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries which include 28 critical findings tied to my identity within the breach. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Finarrcial Protection Act of 2010 ( CFPA ), 12 U.S, C, 5536 ( a ) ( lXa ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( aX1 ) - ( 4 ).

I have reason to believe that my credit file has been subjected to improper investiqations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe EXPERIAN 'S handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested Experian 's method of verification several times back in XX/XX/XXXX, and as late as XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. I have identified errors that violate the Fair Credit Reporting Act ( FCRA ) and align with issues noted in the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian ( XXXX XXXX XXXX ). 


Specifically : 1. Failure to Correct or Remove Disputed Information : My previous disputes have not been resolved accurately, and the disputed items remain incorrect on my report. 
2. Failure to Forward Supporting Documentation to Furnishers : In prior disputes, Experian appears not to have sent relevant documents I provided to the furnishers.

3. Ambiguous or Inconsistent Results Notifications : The responses I received regarding the resolution of disputes were unclear, providing no meaningful explanation of updates or corrections.

4. Reinsertion of Previously Deleted Information : Deleted inaccuracies have reappeared without notice or justification, violating FCRA requirements. 
The following accounts contain inaccuracies 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 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 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 To assist in your reinvestigation, I have enclosed : 1. A copy of my credit report highlighting the disputed information.

2. Supporting documents proving the inaccuracies ( e.g., payment records, settlement agreements ).

Under the FCRA ( 15 U.S.C. 1681i ), you are obligated to : 1. Conduct a reasonable reinvestigation within 30 days of receiving this dispute.

2. Notify furnishers of the dispute and provide them with all relevant documentation.

3. Correct or delete inaccurate, incomplete, or unverifiable information.

4. Provide me with written notice of the reinvestigation results and a free updated credit report if changes are made.

Failure to comply with these obligations may result in further legal action. I request prompt resolution and confirmation that the inaccuracies have been corrected or removed. 

Thank you for your attention to this matter. Please confirm receipt of this dispute and contact me at XXXX XXXX XXXX if you require additional information. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Our bank accounts not was fraudulently hacked into and somehow these people asked the bank to refund some air XXXX stays that we had paid for. In total it came to around {$700.00}. I didn't know that this was done. I myself on my end was trying to get a loan and did provide them with our routing and account numbers but never received the loan. They managed to get this {$700.00} and now the bank won't repay us even though they freely admit they know it was stolen. They originally did XXXX us back then changed their mind I guess. They've now closed it account. So we have people that tried to put payments through and are dealing with problems with that. I just feel we should get our {$700.00} because that's what the Electronic Funds Transfer Act says. I didn't benefit from this fraud in any way. We were outright stolen from.
Product: Credit card

I have purchased a bath tub for XXXX dollars from XXXX using my capital one credit card on XX/XX/2023 and when I received the item it was too big for the space provided so I requested to return it back to XXXX and XXXX approved the return request and the XXXX truck driver came and picked it up on XX/XX/2023 at XXXX XXXX. So XXXX has the item back in their warehouse. Case number with capital one credit card is XXXX The return authorization number from XXXX is XXXX and the tracking number Id XXXX. 
Capital one Visa card is denying my dispute claim and reapplying the charge back to my account even though I have returned the bath tub back to XXXX on XX/XX/2023. I am attaching photos of the return label and authorization from XXXX. 
I want capital one credit card to approve my dispute charge claim and credit my account for the disputed charge of XXXX dollars since I dont have the item anymore and XXXX has the item back in their warehouse
Product: Credit reporting

Please help me, I have disputed previously a couple things with TransUnion, provided them my ID 's so they can process, they decided to change my name to XXXX XXXX from XXXX XXXX XXXX which is my legal name, XXXX XXXX is NOT my name. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX, I was attending graduate school at least half time. XXXX, the servicer of several loans, failed to contact me and inform me that my student loans were not in deferment. It was not until XXXX that I was made aware that XXXX was demanding payment. I spoke with a representative from XXXX, and they steered me into a forbearance, and gave me additional ACCOMMODATIONS to address what they were claiming as a delinquency. XXXX also initiated Income Based Prepayment, and wrote me a letter of Good Standing. However, even though I brought the a account " current, XXXX continued to report that my accounts were 90 days delinquent, which damaged my credit score and my ability to secure an auto loan. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ), which provides, in part that " If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). '' However, as noted above, XXXX continues to report my accounts as 90 days delinquent. XXXX is violating the FCRA, and/or other laws.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account Name and # 's XXXX XXXX XXXX  # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) Have violated my rights. 
15 U.S.C. 1681 section 602 ( A ) States that I have a right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section ( 2 ) It also states that a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C. 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other than records of convictions of crimes which antendates the report by more than 7 years.

15 U.S.C. 1681s-c ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Information received back from dispute to Credit Acceptance validates my reason for dispute. Letter from Credit Acceptance states the reporting is accurate. ( See attached documents of reports showing multiple errors. ) 1. Letter states account was a collection as of XX/XX/XXXX? How is this possible when my last reported payment in full is XX/XX/XXXX? 2.  Account is still on report as collection as of today. XX/XX/XXXX. This is clearly inaccurate. 3. Letter states that first delinquency date was XX/XX/XXXX? Credit Report clearly shows first delinquency date of XX/XX/XXXX. Which indicates rollback and illegal re-aging. 4. One report shows paid, and other shows as derogatory thats still in collections. These are multiple inaccuracies which are in violation of my rights under FCRA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing my adverse information that was falsely reported, XXXX rectified the issue on their end. Trans Union has up until this point refused to rectify the issue on their end. Now that the finally acknowledge their errors, on XX/XX/2020, Trans Union went ahead and removed the account from my credit file entirely. Now they are stating that this is why my credit score hasn't gone back to where it was prior to XXXX falsely reporting that I was 30 days late. I contacted XXXX, which confirmed that they didn't remove their file from my credit report. They actually reported to Trans Union on XX/XX/2020, that there are no issues with my account, and there has never been any issues with my account. I've contacted Trans Union, which refuses to provide me with any type of proof that it was XXXX deleted the account. When connected with a supervisor, his exact response as to why he wouldn't provide the information to me was " I don't have to. '' The document I am providing proves XXXX is reporting the account as current.