vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
To Whom It XXXX Concern : I am writing to dispute the accuracy of the XXXX  XXXX  account you report as Open Balance {$1300.00} ( last reported XX/XX/year> ). Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) and Californias Consumer Credit Reporting Agencies Act ( CCRAA ) ( Cal. XXXX. Code XXXX ), you must : XXXX a reasonable investigation of my dispute. 
Notify me of the results within XXXX  days ( XXXX  days if you notify furnisher ). 
XXXX me with all documentation you reviewed or transmitted. 
I dispute this item because : I never applied for XXXX  with XXXX XXXX ( nor authorized any XXXX  inquiry ). 
You have never provided me a copy of an original signature or properly completed XXXX XXXX XXXX as required by FCRA XXXX ( a ) ( XXXX ) and California XXXX XXXX XXXX ( c ). 
Accordingly, please furnish, within XXXX  days of receipt of this letter : All certified documents you reviewed or relied upon in concluding your investigation, including but not limited to : Original account application or assignment paperwork. 
XXXX forms or affidavits you obtained. 
Any written communications between you and XXXX XXXX ( the data furnisher ). 
A complete copy of all information you transmitted to XXXX  XXXX  as part of your reinvestigation ( FCRA XXXX ( a ) ( XXXX ) ( A ) ). 
Investigation call log for any oral communications : Name and title/position of each person you spoke with at XXXX XXXX. 
Date of each call. 
Duration of each call. 
Telephone number dialed. 
Name and job title of your own employee ( XXXX ) who spoke with the furnisher. 
Certification under penalty of perjury that the above is a true and complete record of your investigation, as required by FCRA XXXX ( a ) ( XXXX ) and XXXX. XXXX. Code XXXX ( d ). 
Because this reporting is inaccurate and incomplete, it has caused me severe financial and emotional distress. If you can not supply the requested documentation within XXXX days, you must delete this item in its entirety from my credit file ( FCRA XXXX ( a ) ( XXXX ) ( A ) ; XXXX. XXXX. Code XXXX ( XXXX ) ). 
I look forward to your prompt compliance. Thank you. 
Sincerely,

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 2025-06-28 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: CA

Complaint narrative:
To Whom It XXXX Concern : I am writing to dispute the accuracy of the XXXX  XXXX  account you report as Open Balance {$1300.00} ( last reported XX/XX/year> ). Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) and Californias Consumer Credit Reporting Agencies Act ( CCRAA ) ( Cal. XXXX. Code XXXX ), you must : XXXX a reasonable investigation of my dispute. 
Notify me of the results within XXXX  days ( XXXX  days if you notify furnisher ). 
XXXX me with all documentation you reviewed or transmitted. 
I dispute this item because : I never applied for XXXX  with XXXX XXXX ( nor authorized any XXXX  inquiry ). 
You have never provided me a copy of an original signature or properly completed XXXX XXXX XXXX as required by FCRA XXXX ( a ) ( XXXX ) and California XXXX XXXX XXXX ( c ). 
Accordingly, please furnish, within XXXX  days of receipt of this letter : All certified documents you reviewed or relied upon in concluding your investigation, including but not limited to : Original account application or assignment paperwork. 
XXXX forms or affidavits you obtained. 
Any written communications between you and XXXX XXXX ( the data furnisher ). 
A complete copy of all information you transmitted to XXXX  XXXX  as part of your reinvestigation ( FCRA XXXX ( a ) ( XXXX ) ( A ) ). 
Investigation call log for any oral communications : Name and title/position of each person you spoke with at XXXX XXXX. 
Date of each call. 
Duration of each call. 
Telephone number dialed. 
Name and job title of your own employee ( XXXX ) who spoke with the furnisher. 
Certification under penalty of perjury that the above is a true and complete record of your investigation, as required by FCRA XXXX ( a ) ( XXXX ) and XXXX. XXXX. Code XXXX ( d ). 
Because this reporting is inaccurate and incomplete, it has caused me severe financial and emotional distress. If you can not supply the requested documentation within XXXX days, you must delete this item in its entirety from my credit file ( FCRA XXXX ( a ) ( XXXX ) ( A ) ; XXXX. XXXX. Code XXXX ( XXXX ) ). 
I look forward to your prompt compliance. Thank you. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, there are items on my credit report that are a direct result of identity theft. XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  {$130.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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:
I am a victim of identity theft, there are items on my credit report that are a direct result of identity theft. XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  {$130.00}.

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 2025-06-28 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: NCB Management Services Inc.
State: FL

Complaint narrative:
I have disputed two collection accounts reported by NCB Management Services with XXXX. Both accounts were disputed twice and came back marked as updated, but no actual changes were made to the reporting.

Neither NCB nor XXXX  has provided any documentation verifying legal ownership of the debt, an itemized breakdown of the balances, or any proof of assignment from the original creditor. Additionally, the accounts are missing standard Metro 2 reporting fields such as highest balance and monthly payment, and may be improperly re-aged.

I also requested the method of verification as required under FCRA 1681i ( a ) ( 7 ), but no response was provided. These accounts remain unverifiable and inaccurately reported.

I am requesting that both NCB Management Services accounts be permanently deleted from my XXXX  credit report due to failure to verify and non-compliance with the FCRA and Metro 2 standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
Yes it's cash app so you already know what's going on they go XXXX of my credit cards stuck on their website I can't even access it I just need to help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - DATE OPENED : XX/XX/2021 - BAL OWED : {$440.00}. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - DATE OPENED : XX/XX/2021 - BAL OWED : {$440.00}. 

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 2025-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On my XX/XX/XXXX lowes credit card statement I had a fixed payment balance of {$4100.00} ( expires when paid off ) with a 9.99 %, and {$1600.00} regular purchase for the month carrying an interest of 31.99 %. 

On XX/XX/XXXX I made a {$2000.00} payment and on XXXX I made a payment of {$1300.00}. Both payments have been applied to the balance with the 9.99 %. On XX/XX/XXXX I requested they apply the excess funds to the balance with the higher interest rate. On XX/XX/XXXX I received an electronic letter indicating Synchonry would not honor my request. By phone I was advised their system will not allow them to reverse payments. 

I am requesting CFPB to review this practice. This payment application practice will have me paying high interest for some time. It feels very bait and switch, use your card and save 5 % on everyday purchases, use your card for big purchases and have fixed payments. But never a reference to payments will always be applied to a fixed payment balance first,

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 2025-06-28 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question and I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question and I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX Citibank closed my account. There was some fraudulent transaction that were made on this account and I had disputed it with them. Then on XX/XX/XXXX I had a direct deposit scheduled to hit which it didn't and I spoke to a representative to see if it was going to reject and they said that it was but I went to my employer and received a check stub with it confirming that it was deposited into my account. I tried to withdraw the remaining funds in the account but the refuse to return money that " I've worked my XXXX off for. Everytime I call them it's the something over and over and over again. They claim that they'll send me a letter within XXXX days and it would take XXXX to XXXX days for them to send me a check for my remaining funds which is ridiculous.

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 2025-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
MOHELA and I agreed to a {$40.00} a month plan because that was all I could afford. I got a letter I was approved and payments would start XX/XX/year>. I only made three payments for the plan because when they switched platforms, my payment plan didnt transfer. I have had multiple investigations open since last XXXX!!! I have to call in every month for an update. No correspondence or anything has been sent to me regarding this matter. Every time I speak with a supervisor, nothing is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief