vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
I am filing a formal complaint regarding the actions of Equifax XXXX XXXX XXXX XXXX, as they have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other privacy laws concerning my personal information and consumer rights. 
First and foremost, I have been affected by Equifaxs failure to protect my personal data, particularly in light of their history of data breaches. Due to their lack of diligence, I have reasonable concerns that my personal information is at risk, making me more vulnerable to continued identity theft and fraudulent activities. Despite my repeated efforts to dispute inaccurate information on my credit report, Equifax has continued to mishandle my data and fail in its legal duty to ensure fair and accurate reporting. 
Violations Committed by Equifax 1. Failure to Ensure Accuracy of Consumer Reports ( FCRA Violation - XXXX U.S.C. XXXX ( b ) ) Equifax has continued to report incorrect information on my credit report, despite multiple dispute attempts. 
This includes unauthorized hard inquiries, incorrect addresses, and inaccurate account balances. 
As a result, my credit score has been negatively impacted, leading to credit denials and financial harm. 
2. Unauthorized Disclosure of Personal Information ( XXXX U.S.C. XXXX & XXXX U.S.C. XXXX ) Equifax furnished my consumer report without my written consent, violating FCRAs permissible purpose requirements. 
Under XXXX U.S.C. XXXX, financial institutions are required to protect the confidentiality of nonpublic personal information, which Equifax has failed to do. 
3. Violation of Opt-Out Rights ( XXXX U.S.C. XXXX & XXXX XXXX XXXX ) Equifax has shared my personal and financial data with third parties without properly informing me of my right to opt out. 
I was never given the required opt-out notice, which is a direct violation of my consumer rights. 
5. Failure to Investigate and Correct Disputed Information ( XXXX U.S.C. XXXX ( a ) ) Equifax has engaged in stalling tactics, repeatedly asking for identity verification, despite already receiving multiple forms of identification from me. 
Despite my disputes, Equifax has refused to remove incorrect data and continues to report misleading financial information that damages my credit standing. 
Financial & Emotional Damages Incurred Due to Equifaxs negligent actions, I have suffered financial losses and emotional distress, including : Denial of credit opportunities, including a home loan and business financing. 
Increased interest rates on existing accounts due to Equifaxs inaccurate reporting. 
Emotional distress, anxiety, and frustration due to the continued mishandling of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

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 2025-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of america decided to withhold funds from my account because there system had errors in reading transactions. There were 4 charges actually forwarded, but thier system had a glitch and showed 12 charges. this caused my account to be put on freeze for a percentage of my incoming earnings. ive been suffering for XXXX months now and called many times to resolve but they never did!

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 monetary relief
Consumer complaint received 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I formally disputed 15 hard inquiries listed on my credit report that was made without my consent or without a permissible purpose under the Fair Credit Reporting Act ( FCRA ). According to XXXX U.S.C. XXXX XXXX, any hard inquiries should only be listed on my credit report if it is authorized by me or falls within the allowed circumstances set forth by the law. When I reviewed my credit report I noticed the following inquiries that I believe does not comply with the requirements. 

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  Please investigate this matter and remove the unauthorized inquiries from my credit file. If you find that the inquiries was made an error or is not in compliance with the legal requirements, I request that it be promptly removed from my credit report. Please provide a written response to confirm that these inquiries has been removed or, if applicable, provide further documentation showing that the inquiries was authorized. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with 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 XXXX. 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. XXXX USC XXXX 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! XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: RI

Complaint narrative:
I have a Chime account so that my unbanked family member could send money for the care of our mother. I opened a checking account in XX/XX/XXXX. They sent me a debit card that I did not request and did not activate. In XXXX, I transferred from the Chime checking ( in my name ) to my bank checking ( in my name ) without issue. When attempting to make a transfer from Chime checking to my bank 's checking ( both the same accounts as used in XXXX ), it gave me an error stating I needed to activate my Chime card. I tried this repeatedly before trying to contact Chime. First, they are very difficult to get through to and I tried their chatbot, then a live chat, then a live chat with a supervisor. They had me delete the app, reinstall, " update '' the app ( even though it was just installed ), they said it was the other bank 's fault even though it was their error message about their card (! ). They finally terminated the chat without resolving it after an hour of this. I somehow got their customer service number and tried to resolve tonight. It took over 20 minutes just to find a way to get to a person. Was on the phone with this one for over an hour and finally told that I could get my money but it would take 30 days. I asked if I could transfer a different way, they said to activate my virtual debit card and transfer to XXXX. They could not provide instruction on how to accomplish this. They could not answer where this is disclosed as a requirement or what changed. I believe they are requiring transfers of your own money through a debit card so they make money off the exchange fees. There also, apparently, is a fee from XXXX if I can even get this to work. They pay no interest on the checking which is probably why it takes 30 days to get them to send the money. This is my own money and they are holding it hostage. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) ; XXXX XXXX Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) ; XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have been the victim of identity theft and have evidence to show 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 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: IL

Complaint narrative:
Requested Debt Validation, Original Signatures of contract and contract dates that allow them to collect on this debt and was hung up on three times.

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 2025-02-05 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: SC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : TRANSUNION- 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  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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
Leased Nissan XXXX XXXX  purchased Extended Wear and Tear Protection which covered all damages after lease return. I was charged for the Wear and Tear years later. I submitted proof of my contract. Nissan has stated it never received the check from the Wear and Tear Warranty. XXXX XXXX stated it did not receive an invoice from the Dealership. ( XXXX XXXX XXXX XXXX  ) Years ago, Dealership claimed they did submit. Nissan Dealership no longer has my records. As I have submitted proof of my warranty purchase, it was NOT my responsibility to send the invoice to the company. After 7 years, I have requested this charge be removed as it has never been in default from my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contact experience initially because my credit report had a number of different names and addresses. I was told by an experience customer service representative that it looks like fraud that I should freeze my XXXX XXXX and a number of other agencies. I was told this by in experience, Customer Service representative I did this in XXXX. I also sent a certified letter to experience asking them to remove the incorrect names and addresses. I sent a copy of my ID a utility bill from my residence and my Social Security card. At this time, I also noticed a number of accounts that was not mine and reporting incorrect informati XXXX of the accounts was a chapter XXXX bankruptcy. I asked experience to verify this information. they told me it was verified through XXXX This was in XXXX and again in XXXX. I contact XXXX and they told me they havent sent anything to experience since XXXX. I asked them can they send me what they sent experience they sent me information from XXXX. I contact experience and ask them. How did you verify this information? They told me from their public record vendors XXXX again XXXX told me they sent them nothing. The information is not being verified. XXXX  experience, can you send me what XXXX said you and they told me no they dont send us anything. They just tell us that is verified so how is it really being verified? And if the information is not being verified correctly.can you please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation