vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-06 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: CA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per federal regulations ( XXXX U.S.C. XXXX ), Equifax is required to conduct a full reinvestigation of disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : XXXX XXXX XXXX XXXX - {$410.00} Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress.

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
Transunion report file # XXXX I received my credit reort today and it's inaccurate information has runied my score. I should not have to keep submitting disputes. The followinf are inaccurate : XXXX ) XXXX - not my phone number and never been XXXX XXXX XXXX XXXX - acct # XXXX = and acct # XXXX Listed as Charged off BUT reporting BALANCE?? How is this possible? This is illegal according to FCRA US CXXXX  XXXX US CXXXX XXXX This is illegal after careful research-. I never received a XXXX NEVER -Delete this account as I will proceed with Litigation as this is not mines! Ive told you all XXXX times XXXX ) XXXX  XXXX - acct # XXXX - Account shows chared off with a balance -ILLEGAL IS Code XXXX - Account in litigation 0this is a uiness card and a partner got this card. NOT ME- Never did I sign any contracts with you all myself. Please provide me with a WET SIGNATURE CONTRACT otherwise DELETE as ligigation will start 3 ) XXXX XXXX XXXX XXXXXXXX - You delete this then readd it over and over - This is a fraud acct -not mines -victim of identiy theft and proof was sent to you all several times - delete this or I will start litigation -over it - US CXXXX XXXX XXXX P [ ease stop sharing my information and selling it! Ive been a victim of identity theft and you all know this. Ive sent every data breech letter to you all several 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 non-monetary relief
Consumer complaint received 2025-02-06 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: NM

Complaint narrative:
I am filing a complaint against Bank of America for unfairly closing my business account due to a fraudulent check that was unknowingly deposited as part of a scam targeting my company. My business, XXXX XXXX, was the victim of a business email compromise scam in which a fraudster impersonated a procurement officer from XXXX XXXX XXXX and issued a fraudulent check for {$45000.00} as payment for a medical supply order. At the time I received the check, I had no reason to believe it was fraudulent. Upon depositing the check, Bank of America flagged it as suspicious and, without providing me with adequate notice or an opportunity to resolve the issue, proceeded to close my business account. 

As a responsible business owner, I immediately reported the scam to the Federal Bureau of Investigation and the Federal Trade Commission as soon as I discovered that I had been targeted. I fully cooperated with authorities and took steps to ensure that no transactions were completed based on the fraudulent payment. Despite my due diligence, Bank of America took unjustified and extreme action by shutting down my account, even though I was the victim of the scam and had no involvement in fraudulent activity. 

The account closure has caused severe disruptions to my business operations. I have been unable to process transactions, pay suppliers, or access my business funds, leading to financial instability and reputational damage. Additionally, Bank of America has not provided a clear explanation or any supporting documentation regarding their decision. I believe this action was taken unfairly and without consideration of the circumstances. 

I am requesting an investigation into Bank of Americas decision to close my account, as well as a formal explanation of why this action was taken. If reinstatement is not possible, I request that Bank of America provide a detailed written justification for the closure and assist in mitigating the negative impact this has caused on my business. I also seek assurance that this action will not negatively affect my ability to open accounts with other financial institutions in the future.

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 2025-02-06 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: OK

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute errors and inaccurate information on my credit report. These inaccuracies are not only misleading but are also negatively impacting my reputation and financial standing.

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 2025-02-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX -- {$510.00} XXXX XXXX XXXX XXXX -- {$530.00} XXXX XXXX XXXX XXXX -- {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX -- {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX -- {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit
State: MA

Complaint narrative:
On XX/XX/2024, I sent a Freedom of Information Act requesting the following documents : 1. Loan Agreement ; 2. Payment History ; 3. Correspondences ; 4. Account Statement ; 5. Loan Modification Documents 6. Allonges and All relevant indorsement pertaining to the loan. 

To date, I have not received a response to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I am writing to bring attention to an ongoing issue regarding my credit report. In XXXX XXXX XXXX XXXX XXXX I noticed that my credit report showed a late payment, which I was certain was incorrect. I promptly contacted the corporate office, and after review, it was confirmed that no payment was due at the time, and that the late payment was the result of a system glitch. I have consistently made all payments on time or before they was 30 days late, and corporate acknowledged that this was a system error.I was assured that the issue had been resolved, so I did not investigate further until recently. Upon reviewing my credit report again, I noticed that the same late payment is still reported and not fixed. Despite multiple attempts to resolve this issue, corporate has confirmed that there is no record of any late payment on my account for XXXX XXXX XXXX. However, my credit report continues to reflect a late payment on XXXX for that period, which is a violation of the Fair Credit Reporting Act ( FCRA ) .I request immediate action to correct this inaccuracy on my credit report and ensure that it no longer reflects a late payment. I trust you will address this matter promptly to prevent further harm to my credit standing. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AL

Complaint narrative:
I am writing to bring attention to an ongoing issue regarding my credit report. In XX/XX/XXXX, I noticed that my credit report showed a late payment, which I was certain was incorrect. I promptly contacted the corporate office, and after review, it was confirmed that no payment was due at the time, and that the late payment was the result of a system glitch. I have consistently made all payments on time or before they was 30 days late, and corporate acknowledged that this was a system error.I was assured that the issue had been resolved, so I did not investigate further until recently. Upon reviewing my credit report again, I noticed that the same late payment is still reported and not fixed. Despite multiple attempts to resolve this issue, corporate has confirmed that there is no record of any late payment on my account for XX/XX/XXXX. However, my credit report continues to reflect a late payment on equifax for that period, which is a violation of the Fair Credit Reporting Act ( FCRA ) .I request immediate action to correct this inaccuracy on my credit report and ensure that it no longer reflects a late payment. I trust you will address this matter promptly to prevent further harm to my credit standing. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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 complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute fraudulent activity that has appeared on my credit report I has come to my attention that my personal information has been used in unauthorized financial transaction and I am requesting immediate removal of the fraudulent items from my credit file this matter is of upmost urgency as it is affecting my financial standing and can lead to further harm if not addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 1681eb. 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 to be removed/updated. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a complaint against Experian for failing to comply with the requirements set forth in the Fair Credit Reporting Act ( FCRA ), specifically XXXX USC XXXX ( b ), XXXX USC XXXX, XXXX USC XXXX ( 5 ), and XXXX XXXX XXXX ( c ). I have attempted multiple times to resolve inaccuracies on my credit report through formal dispute letters, but Experian has failed to adequately investigate and correct these errors. 
I have read about the recent lawsuit filed by the CFPB against Experian for sham investigations into consumer disputes and re-inserting incorrect information into consumer credit reports. Based on this lawsuit and my personal experience, I believe that Experians actions are in violation of the FCRA, and their failure to properly investigate and address the inaccuracies on my credit report is causing significant harm.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a complaint against Experian for failing to comply with the requirements set forth in the Fair Credit Reporting Act ( FCRA ), specifically XXXX USC XXXX ( b ), XXXX USC XXXX, XXXX USC XXXX ( 5 ), and XXXX XXXX XXXX ( c ). I have attempted multiple times to resolve inaccuracies on my credit report through formal dispute letters, but Experian has failed to adequately investigate and correct these errors. 
I have read about the recent lawsuit filed by the CFPB against Experian for sham investigations into consumer disputes and re-inserting incorrect information into consumer credit reports. Based on this lawsuit and my personal experience, I believe that Experians actions are in violation of the FCRA, and their failure to properly investigate and address the inaccuracies on my credit report is causing significant harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NY

Complaint narrative:
Yes I receive this money originally from XXXX XXXXXXXX XXXX  program that got send to XXXX which is not a bank but provide payment processing services, I call XXXX which provided me the tracking number which was to XXXXXXXX XXXX XXXXI called cashapp told them my name my zip code and cash tag how much money and, inform them I don't know my XXXX or number. I also told them I receive these funds in XXXX I proceeded to call them, XXXX them and contacted them for cashapp and cashapp support to tell me due to security reasons there nothing they can do about it and cant give me any information regarding to my old cashapp account and basically telling me there nothing they can do about it i proceeded to do it they way plenty of time by using cash tag calling them also doing a complaint to cashapp.

Company response to consumer: Closed with explanation