vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: IN

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: Central Portfolio Control Inc.
State: MD

Complaint narrative:
is a fraudulent entry and does not accurately reflect my financial history. According to the law, if any information on my credit report is found to be inaccurate or unverifiable, it must either be corrected or removed from my report. 
As per 15 U.S.C. 1681e ( b ), I am entitled to have my credit report accurately reflect my true credit history, and under 15 U.S.C. 1681i ( a ) ( 5 ), Hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXunrise Credit Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Demand for Immediate Removal of Stated Debt To whom it may concern ( Sunrise Credit Service ) I am writing to formally dispute the negative item that your company has reported on my credit report. This inaccurate and unverified reporting of {$760.00} has directly impacted my ability to obtain credit for the purchase of a vehicle, which is essential for me to earn income and support my family. Your actions are not only causing financial hardship but may also constitute violations of federal law under : 15 U.S.C. 1692 et seq. ( Fair Debt Collection Practices Act - FDCPA ) : This law prohibits debt collectors from engaging in unfair, deceptive, and abusive collection practices.

15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act - FCRA ) : This law mandates that all information reported to consumer credit agencies must be accurate, complete, and verifiable.

I demand that you provide written validation of this debt, including but not limited to : 1. Proof that your company has the legal right to collect this debt. 2. A complete itemization of the
alleged debt, including the original creditor and any payments made.

3. Sunrise Credit Svcs. notified me within 5 days of this new debt to dispute with Creditor 4. A copy of any signed agreement obligating me to this debt.

5. Documentation proving that this negative item was legally reported in compliance with FCRA regulations. 

I must now demand such validation within 17 days, as I have requested confirmation from your company on XX/XX/year>, you are legally required to remove this negative item from my credit report immediately. I have made the XXXX aware of this situation. Additionally, I will be reporting your actions to the FTC and Attorney General on XX/XX/year>. Additionally, I will explore legal options, including seeking damages for financial harm caused by your unlawful reporting. 

I expect a written response within 17 days to confirm the removal of this negative item or providing the requested verification. You may contact me by writing at the address provided above. 

Sincerely, 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 2025-03-11 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: PA

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 explanation
Consumer complaint received 2025-03-11 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:
I deposited XXXX $ into atm branch on XX/XX/year> @ XXXX here in XXXX XXXX code XXXX, it did not go through into my account my cash deposit ate the atm machine so I reported this on the spot one of the representative in that branch and they told me to call the customer service so I called the customer service and they created ticket for me and I have to wait XXXX business days so last week I called again the customer service and theyve told me to wait this week so today I called again they told me they can only give me XXXX $ credit since the branch only approve XXXX $ and they told me to go branch and ask why so I went to the branch they told me they can only give me XXXX $ since thats the only money they see in their atm machine with XXXX $ bills, but I did not deposited XXXX $ bills I deposited XXXX pcs. XXXX $ bills with XXXX XXXX $ bill and XXXX XXXX $ bill and XXXX XXXX they told me they cant do anything anymore and I will not get my money back since the only money that they have in their atm machine is XXXX $ XXXX told them to check the cameras they said even they look into camera they will not be able to trace they just told me they cant do anything anymore, thats not even helpful I need my money back thats my earned my money they just took it like that. I need to pay my rent on that day thats why I deposit my cash but it happen like that I have to borrow money from my friend to pay this week but now they told me they cant do anything anymore. 

When I went to branch today XX/XX/year> XXXX of the bank teller there told me that he only have XXXX $ into that atm machine bills are XXXX $ bills so Ive told him to check the camera and he told me even they check camera they will not know how much I really deposited on that day so I told him that XXXX $ bills of XXXX $ is not mine I have XXXX of XXXX $ and XXXX $ remaining and I told him even the customer service I called that day know the exact amount that I deposited because on that day I told them it was XXXX $ something and customer service told me the exact amount which is XXXX $ I was in recorded line on that day so I have a proof. Even that day I was talking to customer service one of the teller named XXXX XXXX here in XXXX XXXX went to checked the atm inside where the money goes while I was talking to customer service he gave me thumbs up that he found my money in there that I still need to continue talking to the customer service because they need my reference number and now today it change that the money I deposited on the XXXX is only XXXX $ and its XXXX $ bills why it change now. This is suspicious from the branch where I deposited my cash.

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 2025-03-11 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/XXXX Claim number : XXXX Amount : {$650.00} XXXX, were unable to approve your recent claim. 
Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The charge was authorized by you or made by someone who has permission to use the card or account. 
For updates on your claim If you d like copies of the documents we used to make this decision, please call us at XXXX, Monday through Friday, from XXXX XXXX to XXXX XXXX XXXX. Please have your claim number when you call. 
Thank you for your patience during our review.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccuracy in my credit report regarding my auto loan with XXXX XXXX XXXX. Upon reviewing my credit report, I noticed that the payment history for this account inaccurately reflects late or missed payments. This is incorrect, and my account should reflect that I have always paid on time, with no late payments or delinquencies. 

The details of the account in question are as follows : Date ( XXXX ) of Disputed Payment : XX/XX/XXXX and XX/XX/XXXX I would like to point out that I have always made my payments on time and that the reported late payments are erroneous. This inaccuracy is affecting my XXXX XXXX and is damaging my financial reputation. I request that this information be corrected to reflect that my payments have always been made on time, and my account is in good standing with XXXX XXXX XXXX. 

Furthermore, I believe that the reporting of this inaccurate information may constitute a violation of the Privacy Act, as it reflects a failure to maintain accurate information, and possibly a failure to follow proper procedures in terms of privacy notice and consent. I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and accurate report of my credit history, and I believe this inaccuracy may indicate a failure in adhering to the requirements of this act, particularly in regard to the handling of my personal financial data. 

I kindly request that you investigate this matter promptly and update my credit report to show that my account with XXXX XXXX XXXX is in good standing, with no late payments. I have attached supporting documents, including proof of payments and bank statements, which show that I have consistently made all payments on time. 

Please provide confirmation of the correction of this inaccuracy and update my credit report as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt resolution and an updated report reflecting accurate information.

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 2025-03-11 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: FL

Complaint narrative:
I am writing to formally dispute the inaccuracy in my credit report regarding my auto loan with XXXX XXXX XXXX. Upon reviewing my credit report, I noticed that the payment history for this account inaccurately reflects late or missed payments. This is incorrect, and my account should reflect that I have always paid on time, with no late payments or delinquencies. 

The details of the account in question are as follows : Date ( XXXX ) of Disputed Payment : XX/XX/XXXX and XX/XX/XXXX I would like to point out that I have always made my payments on time and that the reported late payments are erroneous. This inaccuracy is affecting my credit score and is damaging my financial reputation. I request that this information be corrected to reflect that my payments have always been made on time, and my account is in good standing with XXXX XXXX XXXX. 

Furthermore, I believe that the reporting of this inaccurate information may constitute a violation of the Privacy Act, as it reflects a failure to maintain accurate information, and possibly a failure to follow proper procedures in terms of privacy notice and consent. I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and accurate report of my credit history, and I believe this inaccuracy may indicate a failure in adhering to the requirements of this act, particularly in regard to the handling of my personal financial data. 

I kindly request that you investigate this matter promptly and update my credit report to show that my account with XXXX XXXX XXXX is in good standing, with no late payments. I have attached supporting documents, including proof of payments and bank statements, which show that I have consistently made all payments on time. 

Please provide confirmation of the correction of this inaccuracy and update my credit report as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt resolution and an updated report reflecting accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XX/XX/year> Experian Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-03-11 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: MA

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.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-11 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: MD

Complaint narrative:
My credit report dropped XXXX points from inaccurate reporting. Ive requested several times to update my personal information and its still incomplete. 

I called and no representative could explain why my score dropped. I pay all my bills on time always.

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