vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions and attempts to submit, TransUnion consistently responds within 24 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, TransUnion 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 proceedings XXXX XXXX XXXX XXXXXXXX ) against XXXX for similar violations XXXX I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. Below is a list of accounts I have marked as inaccurate ; 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 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 2025-02-25 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-25 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: FL

Complaint narrative:
want to description under this law 15 u.s.c1681 A this information is inaccurate and want to delete from my report 15 u.s.c 1681 A4 you are reporting old information out dated and it a violation of my privacy 15 u.s.c. 1681 EB the consumer must have reasonable process ensure that maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I have Bill payments sent up with my credit union. The water bill was set up to be sent electronically. However as of the first of this year, they started to send a paper check, not electronic payment, to the XXXX XXXX XXXX for my bill. I called my bank, XXXX XXXX, to ask why. They said they use 3rd party XXXX XXXX software and an 'algorithm ' determines if a paper check or electronic payment is sent, and that they have no control over it. I said it had been previously working, but they would not troubleshoot the problem further, just saying basically 'the algorithm decides " even though previously it had worked fine. The problem with the paper check is that it takes longer and creates a late payment because of the extra time to mail a check. I checked with the Water department and they said no updates had been made on their end that should be causing a problem. Although my bank should troubleshoot this more, ultimately this is FiServe and their 'algorithm ' who is causing the problem because they built the software.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

Employers : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MI

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXXXXXX XXXX XXXX Employers : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the errors remained. Since the inaccurate accounts are still present, I request a thorough review of the documents I have submitted to ensure I wont have to deal with this issue again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX admitted that my wet signature was unavailable yet they continue to have this on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX I need a update on this complaint u submitted I never got a email or call from my caseworker please help me etc Complaint about XXXX corporate or yall local branch in my area where I live at called the adult protection services on me about a XXXX dispute claim they didnt want to help me with and I need help trying to find out who called if it was my local bank in my area or yall corporate call on me for no reason and why the local bank I deal with is M & T Bank and address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and their phone number is ( XXXX ) XXXX and I want to make a complaint against who ever call on me for no reason I want them to be investigated and punishment at the local bank and at the corporate and punishment and investigate too and I want them to be both contacted and provide me a sorry apologize letter at yall corporate and at the local bank too and from yall too and I want yall to contact the local bank I have give yall their information too by calling them and writing to them or call them or do both and investigate them and punishment them and do the same to the corporate and have them both send me a apology letter my name is XXXX XXXX XXXX XXXX is XXXX my contact is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and email is XXXX and phone number is XXXX etc.

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 2025-02-25 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: GA

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 explanation
Consumer complaint received 2025-02-25 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: MS

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX, XXXX XXXX, XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in to be removed.

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. 

XXXX, XXXX XXXX, XXXX XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AR

Complaint narrative:
Aldous & Associates is attempting to collect a debt that resulted from XXXX XXXX 's failure to properly process my membership cancellation. I followed the cancellation instructions provided by a XXXX XXXX employee, but due to their misrepresentation and error, my membership was not properly terminated. As a result, I was wrongly billed, and Aldous & Associates is now pursuing an invalid debt. 

On XX/XX/year>, I sought to cancel my XXXX XXXX membership. I followed the instructions provided by a XXXX XXXX employee, who explicitly directed me on how to proceed. 
I completed the cancellation as instructed, believing my account was closed. 
However, XXXX XXXX later claimed that my membership was not properly canceled, despite the fact that I followed their employee 's guidance. 

Due to the gym 's error, they continued billing me for a membership I had already attempted to cancel. 
I never used the gym services after my cancellation request, confirming my intent to terminate the membership. 
Instead of properly resolving the issue, XXXX XXXX transferred this invalid charge to Aldous & Associates for collections, resulting in harassment and undue stress. 

When Aldous & Associates attempted to verify the debt, they did not address the wrongful nature of the charges-only that an amount was due. 
XXXX does not change the fact that the debt should not exist in the first place due to XXXX XXXX XXXX failure to honor my cancellation. 

XXXX XXXX misrepresented the cancellation process, leading to an unfair financial burden. 
Aldous & Associates continued to demand payment for a debt that was created due to improper business practices, not legitimate charges. 
If this debt has been reported to credit bureaus, it constitutes false reporting under the Fair Credit Reporting Act ( FCRA ), harming my credit for a debt that should never have existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/year> I made an appt to meet face to face in the bank office about my account as I had multiple charges to dispute as well as an imposter scam. After the 1st call, and submitting/discussing all the claims, I didn't feel right and had a lot of questions as far as how they could make decisions with the little information he asked. Fortunately, the lady helping called back, and when the next rep looked up my information there was NOT ONE dispute claim filled from the call we just hung up from. So, had to go through it alllll again. They did not offer any help, assistance with the imposter scam nor would they dispute any of the XXXX payments. In the meantime, even when specifically requested, I have not received any letters in the mail or the app ( which they keep telling that is where they are ) about the disputes. For one of the disputes I was asked to submit a contract and receipt. After reaching out to the company ( again ), they stated that they do not have a receipt and they do not provide a contract. This is for {$5500.00} plus an additional {$870.00} in over charges. After talking to XXXX 's claims dept again tonight to let them know this information, they have said that since I can not provide a receipt they will do a charge-back. However, under the FTC guidelines, this business has violated 5 reasons to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX CC : TransUnion Consumer XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Complaint Investigation Request Regarding Unauthorized Collection Accounts Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion, Equifax, and Experian for failing to remove multiple unauthorized collection accounts from my credit report, despite my formal disputes and supporting documentation proving identity theft. 

After being denied credit, I obtained my credit report and discovered the following fraudulent collection accounts that I did not open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidence of identity theft. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) and California Civil Code 1785.16.2, I formally requested the removal of these fraudulent accounts. However, despite my dispute, these credit bureaus continue to report the false information, negatively impacting my creditworthiness. 
Additionally, under California Civil Code 1785.25 ( a ), data furnishers are prohibited from reporting inaccurate information. These collection agencies are in clear violation of this law by failing to correct fraudulent data after being notified. The refusal of TransUnion, Equifax, and Experian to delete these accounts also violates FCRA ( 15 U.S.C. 1681i ( a ) ), which requires credit bureaus to investigate and correct inaccuracies within 30 days. 

I am requesting the CFPBs immediate intervention to ensure that all three credit

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-25 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:
Experian and XXXX have failed to full fill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence. I am requesting immediate corrective action to remove the disputed accounts as Experians inaction violets federal law and my rights las 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