vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them form my report. 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
XXXX frustrated by the inaccuracies on my report that are needlessly lowering my scores. These errors have already led to unfair obstacles and higher costs, and I shouldnt have to deal with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

The following items I am disputing are the following : XXXX XXXX XXXXXXXX - {$810.00} XXXX XXXX XXXXXXXX XXXX {$230.00} XXXX XXXX XXXX XXXXXXXX - {$760.00} XXXX XXXX IN XXXX  - XXXX XXXX {$68.00} XXXX XXXX IN COMPANY - XXXX - {$68.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX - {$15000.00} AFFIRM XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX XXXX - XXXX - {$1000.00} As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be XXXX XXXX accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

The following items that I'm disputing are as listed : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I've disputed this account through the credit reporting agencies several times and it is still showing on my report after all this time. Now I am requesting that this item be removed from my credit report immediately because this is also a violation of my privacy rights and unconsented sharing of my personal information. I'm also pursuing financial compensation of {$5000.00} because of the many FCRA violations and the years I have been attempting to get this item removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IN

Complaint narrative:
I've disputed this account through the credit reporting agencies several times and it is still showing on my report after all this time. Now I am requesting that this item be removed from my credit report immediately because this is also a violation of my privacy rights and unconsented sharing of my personal information. I'm also pursuing financial compensation of {$5000.00} because of the many FCRA violations and the years I have been attempting to get this item removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have business banking with webster bank since XXXX. Everything was fine but they changed their online banking in XXXX and XXXX they made me create new login details and sign document which does not say anything about month analysis fee. I have been charged random fee every month since last few years. I have reported this issue several time but no meaning full action taken to resolve this. They refunded the fee on XXXX occasion in XXXX. I didn't noticed that fees until XXXX XXXX when they started charging me over {$100.00} on some occasion. I reported this issue to them and told them that i have not signed up for this, what are these charges. Asked for breakdown on what i was charged for. They never get back to me. So i started visiting my local brand in XXXX XXXX where XXXX the business XXXX is trying to get this resolve but he is also not able to get to right person and provide me refund. Even if i don't use services like XXXX they still charge me XXXX each month. I haven't used my account for past 6 months but they keep charging the account as monthly analysis fee. 
Webster Bank does not provide full disclosure and explain to the clients about the charges. They have very bad practice of taking money out of clients bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
I took out a payday loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now for {$600.00}. After researching Californias internet payday lending laws, I discovered that XXXX XXXX XXXX XXXX is not licensed to operate as a payday lender in California. A search of the California Department of Financial Protection and Innovation ( DFPI ) records did not show a valid lending license for the company, which raises concerns about the legality and enforceability of this loan under California law. 

Since receiving the loan, I have made two payments toward the balance : XX/XX/scrub> 2025 {$160.00} XX/XX/year>2025 {$160.00} This leaves a remaining balance of {$270.00} on the original loan amount. 

Upon realizing that XXXX XXXX XXXX XXXX was operating without a valid license, I sent a formal written notice to the company on [ date of letter ], stating the following : Revocation of Wage AssignmentI revoked any wage assignment I may have signed and notified my employer that XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Now would be rejected if it attempted to garnish my wages. 
Request for Written Communication Only I formally requested that all future correspondence be conducted exclusively through XXXX XXXX XXXX  and prohibited the company from calling me at home or work or contacting any references. 
Demand for Proof of Licensing I requested that XXXX XXXX XXXX XXXX provide documentation proving they are licensed to lend in California. 
Proposed Payment Plan Although the loan was issued without a proper license, I still intend to settle the remaining principal balance of {$270.00} through a structured repayment plan : XX/XX/scrub> 2025 {$100.00} XX/XX/scrub> 2025 {$100.00} XX/XX/scrub>, 2025 {$74.00} I also informed XXXX XXXX XXXX XXXX that I would be mailing all payments by check and expected written confirmation upon receipt of each payment. Additionally, I requested written acknowledgment of my proposed payment plan within five ( 5 ) days of receiving my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check from my old property management company at a BOA in XXXX XXXX, CA on Friday XX/XX/year> at {$7500.00}. On Tuesday XX/XX/XXXX, I tried to use my BOA card and saw that my app wasn't working so I went to the branch to use an ATM. I tried to insert my card twice at the ATM in XXXX XXXX, CA and it said " your transaction has been canceled ''. I called BOA and they stated the checking account was being closed due to a counterfeit check I deposited, stating Citzens bank ( the issuer ) stated it was counterfeit and that is why my account was closed. I asked for proof of counterfeit to BOA multiple times to provide the property management company and they did not provide anything. I have called and spoke to them multiple times and no one will provide proof of fraud ( counterfeit ) check or provide the reason for my closure. I received a letter from XXXX Bank saying the check was written in good faith and I spoke to the private banker from XXXX Bank herself and BOA won't accept the letter or investigate further to avoid the closure of the checking account. BOA is stating my account will be closed on XX/XX/XXXX and then I will need to dispute the issue with each financial institution.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
It has come to my attention that Chase Credit Services failed to include a notice of dispute in my credit report concerning an account in my name. This failure constitutes a violation of the **Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) ** and/or the **Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 8 ) **. According to the provisions of the FCRA, Section 623 ( a ) ( 3 ), furnishers of information are obligated to notify credit reporting agencies if an account is disputed by the consumer. Additionally, under the FDCPA, Section 807 ( 8 ), any omission or misrepresentation of disputed information is explicitly prohibited. As of todays date, my credit report does not reflect the required notice of dispute for this account. This omission directly impacts my creditworthiness and exposes me to undue harm. I kindly request that Chase Credit Services take immediate corrective action, and update this account to PAID NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX  days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that Equifax : XXXX. XXXX a thorough investigation of the following disputed accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to his dispute within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: Servicer under contract with Federal Student Aid
State: SD

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data, in the total of {$38000.00}, as reported in the XXXX XXXX article titled " Musk and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the XXXX XXXX Rights and Privacy Act ( XXXX ) due to unauthorized access and tampering with student loan records. 
As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-14 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 recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX, regarding a violation of the fair debt collection practice act, 15 usc 1692g. I recently noticed that XXXX XXXX systems placed an account for collections on my credit report. However, I did not receive any written notice from them regarding the alleged debt as required by law. A debt collector is required by law to send the consumer a written notice within XXXX days of the initial communication regarding THE DEBT. This notice must include : the amount of the debt, The name of the credit whom the debt Is owed. A statement informing the consumer of their right to dispute the debt within XXXX  days of receiving the notice. A statement that upon the consumers written request within the XXXX  day period the debt collector will provide verification of the debt or a copy of judgment to date. I have not received any such written communication from National credit sysytems. Despite the account appearing on my credit. This omission is not only a potential violation of the fdcpa but also detrimental to my credit standing and overall financial well-being. 
After doing my thorough investigation of this account and the company that posted the tradeline ive found that the entity is not accredited by the better business bureau nor is it licensed and bonded to collect from me as living residence of south Carolina. Please have this tradeline removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX, regarding a violation of the fair debt collection practice act, 15 usc 1692g. I recently noticed that XXXX XXXX systems placed an account for collections on my credit report. However, I did not receive any written notice from them regarding the alleged debt as required by law. A debt collector is required by law to send the consumer a written notice within XXXX days of the initial communication regarding THE DEBT. This notice must include : the amount of the debt, The name of the credit whom the debt Is owed. A statement informing the consumer of their right to dispute the debt within XXXX  days of receiving the notice. A statement that upon the consumers written request within the XXXX  day period the debt collector will provide verification of the debt or a copy of judgment to date. I have not received any such written communication from National credit sysytems. Despite the account appearing on my credit. This omission is not only a potential violation of the fdcpa but also detrimental to my credit standing and overall financial well-being. 
After doing my thorough investigation of this account and the company that posted the tradeline ive found that the entity is not accredited by the better business bureau nor is it licensed and bonded to collect from me as living residence of south Carolina. Please have this tradeline removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXXXXXX XXXX : XXXX XXXX XXXXXX/XX/2023 : XXXX XXXX XX/XX/2023 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 proce 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 for these violations.

Company response to consumer: Closed with explanation