vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I went through the purchase process with XXXX XXXX XXXX in XXXX. They caused me XXXX, repeated issues by lying about their in home insurance Ive paid to have my licenses reinstated after they failed to send registration info out to dmvs, was never taking the payments for the car or insurance and applying them to the car itself, repossessed the car illegally, and then shut their doors down. Every time I dispute this issue, it remains on my credit and XXXX XXXX XXXX just started reporting on my credit XX/XX/XXXX. When I reach out to XXXX XXXX, whom have taken over XXXX XXXX XXXX accounts, they also agree to not having an account with me because there was nothing to be transferred over since I had ended business with them after so many negative experiences

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I went through the purchase process with XXXX XXXX XXXX in XXXX. They caused me XXXX, repeated issues by lying about their in home insurance Ive paid to have my licenses reinstated after they failed to send registration info out to dmvs, was never taking the payments for the car or insurance and applying them to the car itself, repossessed the car illegally, and then shut their doors down. Every time I dispute this issue, it remains on my credit and XXXX XXXX XXXX just started reporting on my credit XX/XX/XXXX. When I reach out to XXXX XXXX, whom have taken over XXXX XXXX XXXX accounts, they also agree to not having an account with me because there was nothing to be transferred over since I had ended business with them after so many negative experiences

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 2025-02-04 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: FL

Complaint narrative:
Below is a draft letter addressing Equifax, Experian, and TransUnion 's failure to perform a proper investigation under the Fair Credit Reporting Act ( FCRA ). It includes citations of relevant laws to ensure compliance : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, Transunion, Experian Subject : Failure to Conduct Proper Investigation Under the FCRA I am writing to formally dispute the accuracy of certain information in my credit report. I previously submitted a dispute regarding [ specific account ( XXXX ) or issue ( XXXX ) ] and provided supporting documentation. However, your investigation, as detailed in your response dated [ date ], failed to meet the standards required under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation of disputes : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : This section mandates that, upon receiving a dispute from a consumer, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 


2. 15 U.S.C. 1681i ( a ) ( 4 ) : This section specifies that the credit bureau must review all relevant information provided by the consumer during the dispute process.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the disputed information can not be verified, it must be promptly deleted from the credit report. 



Despite these legal requirements, your investigation appears to have been inadequate and failed to address the specific evidence I provided. For instance, [ explain why you believe the investigation was inadequate, e.g., failure to contact the data furnisher, ignoring evidence provided, etc. ]. 

Additionally, your failure to properly investigate my dispute is causing harm to my creditworthiness and violates my rights under the FCRA. I request that you : XXXX. Immediately reopen the investigation into the disputed information. 


XXXX Review all evidence and documentation I previously provided, and contact the furnisher of the disputed information as required. 


XXXX. Correct or delete the inaccurate information if it can not be verified. 



Failure to comply with the FCRA may result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. I hope we can resolve this matter promptly and amicably. 

Please provide a written response detailing the steps you will take to address this issue within 30 days as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Sincerely, XXXX XXXX Account in question : XXXXXXXX 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 2025-02-04 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:
Below is a draft letter addressing Equifax, Experian, and TransUnion 's failure to perform a proper investigation under the Fair Credit Reporting Act ( FCRA ). It includes citations of relevant laws to ensure compliance : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, Transunion, Experian Subject : Failure to Conduct Proper Investigation Under the FCRA I am writing to formally dispute the accuracy of certain information in my credit report. I previously submitted a dispute regarding [ specific account ( XXXX ) or issue ( XXXX ) ] and provided supporting documentation. However, your investigation, as detailed in your response dated [ date ], failed to meet the standards required under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation of disputes : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : This section mandates that, upon receiving a dispute from a consumer, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 


2. 15 U.S.C. 1681i ( a ) ( 4 ) : This section specifies that the credit bureau must review all relevant information provided by the consumer during the dispute process.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the disputed information can not be verified, it must be promptly deleted from the credit report. 



Despite these legal requirements, your investigation appears to have been inadequate and failed to address the specific evidence I provided. For instance, [ explain why you believe the investigation was inadequate, e.g., failure to contact the data furnisher, ignoring evidence provided, etc. ]. 

Additionally, your failure to properly investigate my dispute is causing harm to my creditworthiness and violates my rights under the FCRA. I request that you : XXXX. Immediately reopen the investigation into the disputed information. 


XXXX Review all evidence and documentation I previously provided, and contact the furnisher of the disputed information as required. 


XXXX. Correct or delete the inaccurate information if it can not be verified. 



Failure to comply with the FCRA may result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. I hope we can resolve this matter promptly and amicably. 

Please provide a written response detailing the steps you will take to address this issue within 30 days as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Sincerely, XXXX XXXX Account in question : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am writing to formally dispute the restriction placed on my Apple Pay account without prior notice, justification, or due process. Despite multiple attempts to seek clarification and resolution, Apple has remained unresponsive and unwilling to provide assistance. 

Facts of the Case : Unwarranted Restriction My Apple Pay access was unexpectedly restricted without any notification, explanation, or stated violation of terms. I was given no opportunity to rectify any alleged issue before being locked out of my own funds. 
Lack of Due Process Apple has failed to communicate any legitimate reason for the restriction or offer a pathway to resolution. This lack of transparency is not only frustrating but also raises concerns about the fairness and accountability of their enforcement mechanisms. 
Failure to Provide Support Attempts to contact Apple Support have been met with dismissiveness and an unwillingness to assist. I have been denied basic consumer rights, including access to information about my own financial transactions. 
Financial & Reputational Harm This restriction has caused significant inconvenience, including disrupted transactions and financial obligations. By denying me access without cause, Apple may be in breach of consumer protection laws. 
Legal Considerations : Unfair Business Practices Arbitrary restrictions without proper communication or recourse could be deemed an unfair business practice under consumer protection laws. 
Breach of Contract If Apple restricted my access without cause while I was in compliance with their terms, they have potentially violated their own service agreement. 
Potential Financial Damages If this restriction has resulted in monetary losses, there may be grounds for seeking compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I am writing to request a correction on my consumer credit report. Please delete of my credit history the following closed account that appears on my XXXX report, it showing incorrect information I have never given my permission to show this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 
Thank you for your assistance. 

Account name XXXX XXXX XXXX XXXX. 
Account number : XXXX Date opened XX/XX/XXXX XXXX XXXX ; {$750.00} Status ; paid, closed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I was informed that I was apart of a data breach with Equifax Data breach. Equifax failed to inform me of this information and have not provided any resolution to resolve the unverifiable accounts on my credit report. Equifax failed to properly investigate disputes and failed to provide adequate notice to consumers of the outcome of the data breach according to 15. U.S.C 1681i-Fair credit reporting act ( FCRA ) Section 611, 15. U.S.C 1681e-Fair credit reporting act ( FCRA ) Section 607 and 15. U.S.C 1681c-Fair credit reporting act ( FCRA ) Section 611. According to FCRA section 605B it is illegal to report anything on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Skopos Financial, LLC
State: CA

Complaint narrative:
Reprise financial ran my credit and took my credit without my authority. They refuse to give me access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I have disputed the address of XXXXXX/XX/XXXXXXXX XXXX tx but the credit bureaus refuse to take it off of my report. I have never lived at that address that was my father. This needs to be removed. I keep getting generic letters that the address has been validated but when i ask for proof they refuse to mail me the validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I have disputed the address of XXXXXX/XX/XXXXXXXX XXXX tx but the credit bureaus refuse to take it off of my report. I have never lived at that address that was my father. This needs to be removed. I keep getting generic letters that the address has been validated but when i ask for proof they refuse to mail me the validation.

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 2025-02-04 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: MD

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have reached out to this company several times, yet they persist in refusing to remove any items that do not belong to me. 

This account is fraud and they must remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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 have reached out to this company several times, yet they persist in refusing to remove any items that do not belong to me. 

This account is fraud and they must remove it.

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, I converted a large credit charge {$8500.00} { airline tickets } to the CHASE FLEXIBLE FINANCE OFFER. This was to allow for a predetermined monthly payment of {$420.00} for a period of twenty-four months. In the subsequent months I submitted payments, as charges appeared for all new charges along with the monthly installment of {$420.00}. In XXXX, XXXX, and XX/XX/XXXX, Chase billed me for the agreed upon plan fee of {$56.00} along with a purchase interest charge of XXXX, XXXX and XXXX [ XXXX, XXXX XXXX XXXX respectively ]. When I contacted Chase customer service in early XXXX the agent said the purchase interest was a result of not making the minimum due for the month. When the charge appeared on my XXXX statement I again contacted customer service but this time after being transferred around customer service, a representative stated " all payments made, after converting the charge to the Flex payment, are applied to the outstanding amount under the Flex Plan. This action by Chase results in a deceptive practice to consumers : believing by enrolling in this plan the amount is separate and distinct from normal purchases via the card. In essence allowing Chase to bill at a higher rate of interest and collect a fee for the Flex transaction. In my humble opinion this is a deceptive and usury situation. 
If you required addition information or clarification, please email me at XXXX. Thanking you for your attention in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions. I assert that this account entry is inaccurate and violates my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IN

Complaint narrative:
There is information in consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions tot be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
My name is incorrect on my credit report. My name is XXXX XXXX XXXX XXXX. They have it listed as XXXX XXXX and XXXX XXXX XXXX. This is my father. I have asked this be corrected as some of his debts continue to show on my report but i keep getting a generic response stating this has been verified. I am asking they do a real check and not computer generated. This information is false and is not 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 2025-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My XXXX  unemployment card closed with balance of XXXX I have only received XXXX of the balance. 

They are giving me issues The letter I received you have balance of XXXX but we can only pay XXXXXXXX XXXX Which is XXXX XXXX. 

I want my money

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I used the " pay a friend '' feature from my XXXX bank to send my mother {$800.00} in XXXX. When she entered her Capital One account number and routing number, she transposed the last two digits of the account number and the money left my account, but never made it into hers ( I have the tracer number from XXXX, the routing number, and the incorrect account number ). She has spent hours on the phone getting various answers and her claim continues to be denied. Most recently she was told she needed to go back to XXXX for a letter of indemnity. After 3 months, this is the first time we have heard about this letter. Likewise, XXXX says we need to go to Capital One and Capital One says we need to go to XXXX. 

She is a vulnerable, XXXX XXXX  woman on a fixed income who needs this {$800.00}. On top of everything, she had XXXX in the middle of this ordeal. She is not able to continue to be in this loop that brings her frustration and no results.

Company response to consumer: Closed with explanation