vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX RE : COMPLAINT AGAINST CHEXSYSTEMS, INC. - FCRA, METRO 2 FORMAT, AND REPORTING VIOLATIONS To Whom It May Concern : I am writing to file a formal complaint against ChexSystems , Inc. regarding numerous violations of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Metro 2 Format reporting standards in my consumer disclosure report. I recently received a Consumer Score Disclosure Report dated XX/XX/year>XXXX  ( Consumer ID : XXXX ) that contains several critical compliance issues requiring immediate investigation and correction. 
IDENTIFIED VIOLATIONS 1. DATA ACCURACY AND INTEGRITY VIOLATIONS ( FCRA Section 623 ) The report shows a significant date discrepancy : The score creation date is listed as XX/XX/year>, but the Last Revision Date shows XX/XX/XXXX, XXXX nearly two-year difference that raises serious questions about data accuracy and timeliness. 
This violates FCRA requirements that furnished information must be complete and accurate, and that reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 
2. METRO 2 FORMAT COMPLIANCE FAILURES The report uses cryptic codes ( XXXX, XXXX, XXXX ) with vague descriptions that fail to provide sufficiently clear information to the average consumer. 
According to Metro 2 Format standards established by the XXXX XXXX XXXX XXXX ( XXXX ), data furnishers must ensure information is reported in a standardized manner that enables clear understanding by consumers. 
The report fails to adequately explain the specific impact of each factor on my score in compliance with Metro 2 requirements. 
3. INSUFFICIENT DISCLOSURE OF CONSUMER RIGHTS ( FCRA Section 609 ) The report does not adequately explain my right to dispute inaccurate information. 
No clear instructions are provided on how to initiate a dispute or the timeline for investigation. 
No explanation of my right to add a consumer statement to my file is included. 
4. ADVERSE ACTION NOTICE DEFICIENCIES ( ECOA/Regulation B ) The report does not provide sufficient information about what specific actions I can take to address the factors that negatively affected my score. 
This violates the spirit of adverse action notice requirements designed to help consumers understand and address negative factors.

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 2025-04-10 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: NM

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
My name is XXXX XXXX and I am an XXXX XXXX XXXX in Louisiana and I am trying to apply the XXXX to my apple credit card and they said that I do not apply for this. I am tracking that all service member that live in Louisiana can have the interest not matter if they have their credit card before or after the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: AL

Complaint narrative:
I submitted a Method of Verification ( MOV ) request to TransUnion after disputing a tradeline that I believe is inaccurately reported. They marked the item as " verified as accurate '' but did not provide details on how they verified it. As required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I requested the name, contact information, and method used to verify the item. TransUnion failed to provide this information. I am requesting the CFPB ensure TransUnion complies with the FCRA and either provides proper MOV documentation or removes the item.

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 2025-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Rosebud Economic Development Corporation
State: SC

Complaint narrative:
Applied for an XXXX XXXX  loan with this company. They called me and said congratulations I was approved. So they then asked me for my banking info such as my routing and account number. Then they proceed to tell me they couldnt get the link to verify my bank account so could I give them my online banking info ( which should be illegal ). Against my better judgement I gave them the info for them to look into my bank account. Again they tell me Im approved and began to tell me my payment schedule. So we were disconnected and I called back only to a automated voice telling me my application was declined

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 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
car transmission went out 4 months after buy car loan company insurance did not want to cover told company to come get the car agreed to until i notify to them that the car was at dealership with a bill of XXXX they called me back saying they didnt want the car anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I disputed a collection account from LVNV Funding LLC through XXXX XXXX on XX/XX/year>. The dispute was not completed until XX/XX/year> over 100 days later in violation of the FCRAs 30-day limit. 

On XX/XX/year>, I mailed a certified debt validation request to LVNV. They responded, but failed to provide required documentation like a signed agreement, itemized balance, or proof of ownership. I followed up with a second letter and received no response. 

I also sent certified dispute letters to XXXX and XXXX XXXX in late XXXX. As of today, the account is still being reported as verified, despite lack of proper validation. 

I am requesting removal of this account due to failure to validate and violation of the FCRA and FDCPA. 

I have included tracking numbers and documentation in the attached file to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-10 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 violates 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 for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: WI

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$260.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1300.00} XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I opened a phone line with XXXX 8 years ago and they sold my information to XXXX XXXX without my consent theyre trying to get {$460.00} from me when the original amount was about {$200.00}. 
And the other company that I would like to report is LVNV funding LLC {$610.00} another company sold my information to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX An online purchase of {$4200.00} was made for a XXXX from XXXX with a My Best Buy Visa Platinum card # XXXX and possibly XXXX was involved XXXX. I never have seen or opened acct for. I later received letter of notification from Best Buy Credit Services about the purchase and desire for collection. I do not see this card on my XXXX credit card report of current cards used or closed. Another letter with all documents from purchase from Best Buy Credit Services was received XX/XX/XXXX after I disputed charges and called to notify it was an acct not opened by me. I put a freeze on my credit and contacted all credit bureaus, when loggin into XXXX I noticed an email confirmation which was one used in this purchase XXXX, not my email... they hacked all my info and opened this card obviously. On my experian profile of residence there is now a New York address, I have never been to New York!!! Now Best Buy Credit services tell me in letter this purchase was confirmed and authorized and I owe!! I disputed this twice and did not work. The IP address they were made, name and address are not me. Please help

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 2025-04-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the regulations governing the collection, sharing, and use of consumer credit information are not upheld. Under the FCRA, consumer reporting agencies ( CRAs ) are required to take reasonable steps to ensure the accuracy of information in credit reports. If a consumer experiences financial harm due to an FCRA violation, they have the right to pursue legal action against the CRA for actual damages, statutory damages, and attorneys fees. The accounts mentioned in my letter contain inaccuracies, and I am requesting a comprehensive investigation to address and correct these issues.

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 2025-04-10 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: KY

Complaint narrative:
I SENT IN DISPUTES FOR SEVERAL ACCOUNTS THAT WERE INACURATE. I REQUESTED DELETION OF THESE ACCOUNTS BECAUSE THEY WERE IN VIOLATION OF THE FCRA. THE ITEMS I DISPUTED CAME BACK UPDATED AND VERIFIED WITH THE SAME INACCURACIES.

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 2025-04-10 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: GA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-04-10 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: NC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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