vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: WA

Complaint narrative:
I am disputing the following negative items that continue to appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
An unauthorized inquiry unexpectedly appeared on my credit report this morning, and I have no idea where it came from. I regularly check my report, but this time, there were discrepancies that shouldnt be there. I refreshed my browser to see if it would go away, but it didnt. This situation is incredibly frustrating, and I need my submitted documents to be properly reviewed to prevent this from happening again.

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 2025-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I never applied for a loan with this company. I first received a notification via mail approximately early XX/XX/XXXX stating my account is past due and I owe {$300.00}. I contacted the company and asked how the loan was taken out, they wouldn't give me any information without me providing social security number, address validation and I was not comfortable doing that since I know I didn't take out this loan. I told them my name and the account number that was on the invoice but was told they need the other information to get into the account. I repeated that I will not provide that since I did not take out the loan and they should be able to retrieve the information from the account number I provided. The customer service agent told me there's nothing else she can do for me then and ended the call. 

I received the second past due notice on XX/XX/XXXX, this one is in the amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
Our mortgage was transferred to Roundpoint. We found out earlier this month. We found out several months after this had happened. After calling Roundpoint and our previous provider. We found out there was a mix up with our previous provider and our mailing address. 

After calling Roundpoint we discovered they reported us late to the credit bureaus and they had our welcome letter and all other mailers they sent which came back as undeliverable. 

Digging deeper we asked why we never received a phone call, email or a voicemail. We were told they do not leave voicemails. And the number that they provided shows up as spam on our phones so we had no clue who was calling. 


We have asked them to redact their late penalties as we just found our earlier this month our mortgage was transferred to them. We have been in limbo for a week. They are investigating and our point of contact has not been responsive in several days. 

We have been waiting on a decision for a week to redact our late penalties with the credit bureaus. As a result this has ruined our credit and is impacting us on a home purchase. Up until Roundpoint we have had perfect credit, paid every bill in full every month for years. 

Now we are unable to qualify for a loan for a house and a home equity loan we hoped. All because a company we never knew existed took over our mortgage and never contacted us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint regarding fraudulent information listed on my ChexSystems report that remains unresolved despite my attempts to dispute it directly. This inaccurate information is harming my financial standing and is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The following fraudulent accounts are detailed in my report : XXXX XXXXXXXX XXXX Reported For : Suspected Fraud Activity Reported Address : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Date of Closure : XX/XX/XXXX Account Number : XXXX Closure Status : XXXX XXXX XXXX XXXX XXXXXXXX Reported For : Account Abuse Reported Address : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX of Closure : XX/XX/XXXX Account Number : XXXX Original Charge-Off Amount : {$420.00} Closure Status : Unpaid These accounts are fraudulent and were not opened or authorized by me. Under the FCRA, specifically : 15 U.S.C. 1681i : ChexSystems is required to conduct a reasonable investigation into disputed items. 
15 U.S.C. 1681c : Negative information older than seven years or unverifiable information must be removed.

15 U.S.C. 1681e ( b ) : ChexSystems is required to maintain accurate and complete information in consumer files. 
Despite my dispute, ChexSystems has failed to fulfill its legal obligations to investigate and correct this information. I am requesting CFPBs intervention to compel ChexSystems to : Remove the fraudulent accounts from my report immediately. 
Notify all parties who accessed my report of the corrections. 
I have attached my ChexSystems report for reference. Please let me know if additional information is needed to assist in resolving 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 2025-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Colony Brands, Inc.
State: IA

Complaint narrative:
Someone in XXXX XXXX Florida has my social security and my address and opened up a Montgomery Ward in-store card and placed an order on XX/XX/year> I know this because Montgomery wards sends out an order acknowledgment and I called the business and asked how did this get set up The customer service representative said that someone called in an order with my address and my social security number and placed an order to go to XXXX XXXX Florida they ordered a pocket short and XXXX XXXX XXXXXXXX order totaling {$110.00} I do not know anyone in the XXXX XXXX Florida and I have not given out any of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from secti

on 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRA ), 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. S {$5500.00} ( 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. 


XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XX/XX/year> {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and/or incomplete information being reported on my credit file regarding the following accounts : 1. JPMCB Card XXXX XXXX XXXX Upon reviewing my credit report from XXXX, I have identified erroneous and/or unverifiable information associated with these accounts. I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including, but not limited to, 15 U.S.C. 1681o for negligent noncompliance.

The issues I am disputing are as follows : JPMCB Card : The account was closed and settled but is still being reported incorrectly. 
XXXX  XXXX : This account contains incorrect late payments. 


Under the FCRA, I request that you : 1. Conduct a thorough investigation of these accounts.

2. Provide me with documentation supporting the validity of the information being reported, including contracts or agreements bearing my signature ( if applicable ).

3. Correct or remove any unverifiable, inaccurate, or outdated information from my credit report.

If you can not verify the accuracy of the accounts, I request their immediate removal from all reporting bureaus.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter asking for XXXX XXXX to cease all calls to me or my family, and to only contact me through letter mail moving forward about negotiation of a {$3600.00} private loan debt that was transferred to them from my bank on XX/XX/XXXX. The certified letter was addressed to the mail to address listed on the debt letter XXXX XXXX had previously sent me on XX/XX/XXXX. According to USPS tracking and logistics staff I communicated with personally, the cease and desist letter was delayed due to technical issues, but after resolution it was successfully delivered on XX/XX/XXXX. XXXX XXXX has called me XXXX times since : on XX/XX/XXXX, on XX/XX/XXXX and XX/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 2025-01-24 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: PA

Complaint narrative:
My account with XXXX 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 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 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 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 2025-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Original debt was with Santander, they charged off the debt but did not provide me with a 1099-C. They in fact sold it to XXXX XXXX. Since Santander charged it off they would have received a profit loss tax credit without benefit of the 1099-C to me. I have not been able to obtain the form from them and feel that they are being fraudulent. XXXX is stating that the account was opened in XX/XX/year> when in fact Santander charged off the debt XXXX years ago. Since they wrote off the account, I no longer owe it per the above. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX EXPERIAN was never late! I have had exceptional payment history 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 to be 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. 


XXXX EXPERIAN 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! 


Update the late payments from my consumer reports

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and 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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I XXXX XXXX transfer XXXX dollar USD into my checking account ending in XXXX on XX/XX/year> from my investment account. Today Navy Federal Credit Union closed my account and took my money amount of XXXX dollar USD and I have no idea where that money is going, they refuse to tell me anything about and is asking me to call my investment account at XXXX, XXXX XXXX they do not have any information on it. Navy Federal Credit Union straight up stole my money from my checking account and close it refusing to return it. 

I have proof that this is my money, I have it list below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Even my social security is inadequate in their system I tried to dispute it. It didnt let me

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. The dispute was immediately closed with no information provided.

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