vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as my formal dispute and legal demand for immediate correction and deletion of multiple inaccuracies present in my credit report, as mandated by the Fair Credit Reporting Act ( 15 USC 1681 et seq ) and Metro 2 reporting standards.

Your continued reporting of unverifiable, incomplete, and inaccurate data constitutes willful noncompliance and a violation of my consumer rights.

I DEMAND strict adherence to : 15 USC 1681e ( b ) - Duty to maintain maximum possible accuracy.

15 USC 1681i - Duty to conduct a reasonable reinvestigation.

Metro 2 Compliance - XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) data field reporting integrity. 

PERSONAL INFORMATION DISPUTED : Incorrect Name : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect DOB : XXXX ACCOUNTS DISPUTED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS DISPUTED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES DISPUTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information you are reporting is erroneous, unverifiable, and lacks independent third-party validation. You have failed to maintain maximum possible accuracy, failed to conduct proper reinvestigation, and failed to adhere to Metro 2 data formatting guidelines.

I hereby demand : DELETE the disputed inaccurate personal information, accounts, collections, and inquiries from my credit file immediately.

PROVIDE a fully verified audit trail, with original source documentation and certified verification for each of the disputed items listed above.

CONFIRM in writing, within 30 days as mandated by law, the completion of your investigation along with updated copies of my corrected credit report.

Be advised : Failure to comply with this demand will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General, and possible legal action for willful noncompliance.

I reserve all rights under the law.

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 2025-06-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was paid via XXXX for work done and the company called their bank and told them it was a fraudulent transaction and they did not authorize payment.

The bank then close my bank accounts without my knowing. The bank then continued to black list and flag my XXXX account with the new bank I joined.

I would like to have this resolved and my name cleared. I later learned that the person that the work was done for have been doing this over and over to not pay for the work done.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-25 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-25 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: NJ

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. My personal information was compromised in the XXXX data breach, and as a result, unauthorized and fraudulent activity has appeared on my credit report. Specifically, the account listed below was not opened by me and was established without my knowledge or consent : Fraudulent Account : Creditor Name : XXXX XXXX  Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX  In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am formally requesting that this account be blocked and permanently removed from my credit report. Under 15 U.S. Code 1681c-2 ( Section 605B of the FCRA ), you are required to block the reporting of any information that is the result of identity theft within four ( 4 ) business days of receiving proof of identity, a police report, and a statement from the consumer.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report. If the company does not update and correct these errors promptly, I will be compelled to pursue legal remedies.

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Atlantic Union Bankshares, Inc.
State: MD

Complaint narrative:
A check was stolen out of our mailbox. The perpetrator washed the check and made it out to him and deposited into his account at XXXX XXXX XXXX XXXX. We bank with Sandy Spring Bank. The check should have been looked at a little more closer before accepting it. We have been with Sandy Spring Bank for 20 years. We trust our money with them. We feel we should be given back our money while an investigation is going on. Why should we have to wait 90-120 days to possibly get our money back? I know check fraud is extremely high, but 120 days is a ridiculous amount of time to wait while they do their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
The debt was paid in full on XXXX XXXX XXXX  ( via XXXX ) XXXX reported it to credit bureaus as unpaid after XXXX XXXXXX/XX/year> You disputed it directly with them and the bureaus They failed to remove or correct the false tradeline This resulted in loan denials, bank account closures, and financial harm BELOW IS LINK OF MY PATIENT PORTAL LIVE SHOWING XXXX HAS BEEN PAID https : XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-25 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Driveway Finance Corporation
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
For many years Ive maintained two accounts with Capital One. This first time, they claim my payment was never made. I gave them the information verbally with dates and verified the bank I used. They refused me and then started the phone calls and the threats. Like I said normally I maintain a XXXX balance. This time I carried a balance but paid the amount off, when they supposedly did not receive payment they hit me with a {$40.00} late fee on both accounts when I verified and provided proof on both accounts of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
The delay in my payment was unintentional and occurred due to a misunderstanding I had with a customer service rep within the collections team. They called me around the beginning of XXXX asking when I will be able to make a payment and advised that I could set up a payment over the phone. I told them I could make the payment on a Saturday when I get paid and it would have directly pulled out of my chase checking account on that day if I made the payment myself. The agent did not advise me that he would only be able to pull out the payment the following Monday and this information led to the funds not being in my account on this day because I was under the assumption that it shouldve been taken out on Saturday. I then made the payment 4 days late after I noticed the payment did not go through and it is now reporting as late on my credit report. I had someone at the executive team look at this and they did a call review but they are stating that they found no error on Chase and therefore can do nothing for me. I would like to dispute their findings because I believe an error did occur. The error that occurred misguided me as a customer. The collections agent kept pushing me to schedule a payment on the phone when I stated multiple times I would like to make the payment on a Saturday. He clearly knew my intention was to pay that Saturday but proceeded to convince me to schedule a payment on the phone with him knowing that the payment would not be made until the following Monday. I feel like misguiding a customer into making a payment 2 days later than they wanted to is an error on Chase. I understand this is the job of the collection team but in this specific case this caused my payment not to go through and therefore my payment was late. If I would have made the payment like I wanted to and stated multiple times to the agent I would on that Saturday, I would not be in this position now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: OK

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
HE WHO COMES INTO EQUITY MUST COME WITH CLEAN HANDS THEIR INVESTIGATION DID NOT REMOVE THIS ACCOUNT FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
HE WHO COMES INTO EQUITY MUST COME WITH CLEAN HANDS THEIR INVESTIGATION DID NOT REMOVE THIS ACCOUNT 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 non-monetary relief
Consumer complaint received 2025-06-25 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: AR

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have called the company 2x in the last 2 years and asked them to remove a bankruptcy statement that is on our bill each month. They tell me I have to have an attorney send a letter. This bankruptcy happened in XXXX XXXX and this loan company was not included in the bankruptcy. We've had our mortgage transferred or sold two or more times since the bankruptcy. 
On XX/XX/XXXX I sent SPS a letter requesting this information be removed from our billing and they didn't bother answering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MD

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
On XX/XX/year>, Santander agreed in writing to apply a {$1500.00} tax refund credit to fully cover my XXXX and XX/XX/year> payments. This agreement was submitted and confirmed in writing inside my Santander online account under Payment Arrangements. 

Despite this, Santander later applied part of the funds to XXXX and the remainder to principal without my consent, directly violating the prior written agreement. 

I contacted Santander multiple times to have this corrected. They have now refused to honor the previously documented agreement. I am requesting that Santander correct this and apply the funds as originally agreed : to cover my full XXXX and XXXX payments. 

I have written proof of the original agreement and can provide documentation.

Company response to consumer: Closed with explanation