vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In regards to complaint number XXXX A complaint I submitted on XX/XX/year>XXXX  in regards to inaccurate items reporting on my credit file with Experian Credit Bureau , They have not responded to my dispute. I demand that these Items be DELETED permanently from my credit file. Experian is in violation of the FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) XX/XX/year>XXXX  Subject : Request for Verification of Accounts Under Section 609 FCRA Dear Credit Bureau, I am writing to formally dispute and request verification of the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) Section 609. According to the FCRA, I am entitled to full disclosure of the records and sources used to report these accounts. If you can not verify them, they must be removed immediately from my credit file. The following accounts require verification : [ XXXX XXXX ] Account # [ XXXX ] [ XXXX  XXXX ] Account # [ XXXX ] [ XXXX  ] Account # [ XXXX ] [ XXXX XXXX ] - # [ XXXX ] [ XXXX  ] - # [ XXXX ] I am requesting the following : A copy of the original signed contract or agreement proving I authorized these accounts. The method used to verify the accounts. The name and contact information of the entity that verified them. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681g & 1681i ), if you can not provide proper verification, the disputed items must be deleted from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). As proof of identity, I have attached a copy of my government-issued ID. I expect a response within 30 days as required by law. Please send all correspondence regarding this dispute to my address above.

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 2025-05-19 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: GA

Complaint narrative:
I mailed dispute letters to Equifax and Experian disputing the inaccurate accounts with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I am filing this formal complaint against EXPERIAN for the inaccurate and incorrect reporting of the following tradelines : Creditor Name : U S DEPT OF EDXXXX Account Number ( Partial ) : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$870.00} ; XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} ; XXXXXXXX XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXXXXXX  ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number ( Partial ) : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1400.00} These accounts are being reported inaccurately for the following reasons : Balance Inaccuracy : The reported balance is not verifiable, and I have received no recent disbursements or communications validating this amount. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report accurate and complete information. Lack of Permissible Purpose : I have not authorized or consented to the reporting of this account under FCRA 604 ( a ), and this tradeline appears without my direct engagement or benefit. Metro 2 Non-Compliance : The date formatting and status codes for this tradeline do not align with Metro 2 guidelines and appear to be improperly formatted, further impairing automated dispute resolution and scoring. I have submitted disputes to EXPERIAN, but no reasonable investigation was conducted as required under FCRA 1681i ( a ). The failure to correct or remove this information constitutes willful noncompliance with the Fair Credit Reporting Act, entitling me to relief under FCRA 616 and 617. Violations Summary : FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation ; FCRA 623 ( a ) : Furnishing inaccurate or unverifiable information ; FCRA 604 ( a ) : No permissible purpose to furnish or maintain incorrect data ; Metro 2 Reporting Standards : Inconsistent and nonstandard coding ; Possible Duplicate Reporting inflating debt and damaging credit profile ; No verification of consumer responsibility or legal obligation.

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 2025-05-19 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: OH

Complaint narrative:
I did not authorize these inquires, please remove immediately. 
Personal information reporting incorrectly on credit 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have two separate transactions from a company called XXXX. XXXX and XXXX I did not make this transactions. They were charged on my cashapp account. I have contacted cash XXXX  about receiving a refund for these transactions totaling XXXX. I left my card in the store on XX/XX/year>XXXX  I didnt notice the charges until XX/XX/year>. The company will not refund me. I have filed a complaint/ dispute with cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx, XXXX XXXX XXXX XX/XX/year> EQUIFAX LEGAL XXXX XXXX XXXX XXXXXXXX, GA XXXX 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 right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act these two accounts have violated federally protected consumer rights to privacy and confidentiality. 

1. Department of Education XXXX XXXX Account number XXXX. 
2. Department of Education XXXX XXXX Account number XXXX. 

In a response to a claim filed with the CFPB, XXXX XXXX failed to address the numerous consumer violations against XXXX XXXX. I don't have a contract with XXXX XXXX. XXXX XXXX claim they gave me a promissory note but consumer never received a promissory note signed with 2 wet ink signatures between 2 agreeing parties. This violates the XXXX XXXX. Under 15 USC 1681 section 602 ( a ), I have the right to privacy and XXXX XXXX reporting late payments directly or indirectly to 3rd parties without my written consent is considered adverse and violates this act. 

Per 15 USC 1681 section 604 ( a ) section 2 states that a agency can not furnish an account without my written instructions. Any transaction between me and a creditor are required to be excluded from my credit report. Consumer was not given full disclosure that consumer would be giving up all Rights which is also a violation.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: MI

Complaint narrative:
In the accordance with the fair credit reporting act. The list below violates my federal protection, consumer rights To my privacy and confidentiality Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number XXXX, Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, had violated my rights 15 U.S.C. 1681 section 604 A, states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, states consumer reporting agency can not furnish an account without my writing instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section states no consumer reporting agencies may make any consumer report containing of the following items of the information : other than records of convictions and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Received phone call threatening me on XXXX with jail if I didnt pay on a XXXX yr old loan I thought was paid. Gave them bank info then called them right back and told them they didnt have permission to withdraw from my account I have to work to compensate for social security they called me back an hour later and I told her they didnt have permission to get in my account she informed me to late they already did it now sign the receipt they emailed me I told her no.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a business account with Bank of America XXXX XXXX XXXX and I have investors who send money in my acccount. I was making transfers to XXXX and It was to my account instead they rejected one of the transfers and it happened on XX/XX/year>XXXX  I went to the bank to get answers about my account and they were rude and then blocked my account. I talked to bank of america 6 times on Friday and they gave me twp verificatios that my wire willl be sent instead they decided to close my ccount then they want to send my money back on XX/XX/XXXX I told them i want it sooner so i filed to get it sooner

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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
an account was opened without my permission as I am XXXX with a judge ruling this was not my account yet the account was sent to collections and no investigation was preformed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: NC

Complaint narrative:
My partner left me, so the household income was cut in half, and I became behind on my mortgage. Selene offered me a mortgage modification trial plan that included paying almost double my mortgage rate. I was sent out a mortgage modification package in the mail, but never received it. I verbally accepted the mortgage trial plan over the phone and they explained everything in detail and I agreed to it. 

I made a payment on XX/XX/XXXX ( {$1200.00} ) via wire. 

I made a payment on XX/XX/XXXX because I was told that only the first payment needed to be certified funds, which turned out to be incorrect. The payment for XXXX ( {$1200.00} ) was an XXXX draft from my account. 

I was told over the phone on XX/XX/XXXX, towards the end of the call that since my XXXX payment was OUTSIDE of the trial payment window of time, they were going to move the XXXX payment to cover XXXX. I was told by a couple of other people as they opened tickets on my account. The tickets on my account were left open and untouched until they wrongly filed for foreclosure here recently. In fact, XXXX of the customer service people was a man that saw my account and said " I was the one who put the first ticket in for this account back in XXXX. Why haven't they gotten to this yet? '' I sent my XXXX payment ( {$1200.00} ) in on XX/XX/XXXX. I got a call a week later by a customer service representative that was asking for my XXXX payment. When told her that I actually made the payment already, she had to go find it. What she told me she saw was that the system had divided my payment as {$5.00}, then {$1100.00}. Which flagged my account for them to call. The payment was sent via wire, so I'm not sure how that could happen. It was also around this time that I received a letter stating that they would be charging my account {$100.00} for a 'Foreclosure Attorney ''. This is the ONLY letter that I received hinting ANYTHING about a foreclosure. I called the following Monday and they confirmed the status and auction date that my house was in active foreclosure. 

I sent my XXXX payment ( {$1200.00} ) in on XX/XX/XXXX via wire. They sent it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
On XX/XX/year>2024, XXXX XXXX XXXX reported a late payment on my account, even though the account was already closed and paid in full by XX/XX/year>2024. This late payment was reported after the account was closed, which is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 

I previously disputed this directly with the credit bureaus, and the company failed to correct or remove the information. Reporting a delinquency on a closed account violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and the Metro 2 Compliance Guidelines, which prohibit furnishing inaccurate or outdated data to consumer reporting agencies.

I am requesting a formal investigation and the immediate removal of this derogatory mark from my credit report, as it is damaging my credit unfairly.

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 2025-05-19 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: M. G. Credit, Inc.
State: TX

Complaint narrative:
I have observed a collection entry from your agency on my credit file that was not previously communicated to me, and I have serious concerns about the accuracy of the claimed debt. In accordance with the Fair Debt Collection Practices Act, I am exercising my right to request validation of this debt and ask that you address this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: eMortgage Funding LLC
State: IL

Complaint narrative:
I got a random marketing call from E-Mortgage XXXX person Named XXXX XXXX XXXX ). He connected me with Loan Officer XXXX XXXX XXXX # XXXX Company NMLS # XXXX. They offered me refinancing to lower down my monthly payment and asked for my complete social for a soft pull which will not hurt my credit score for calculations at their end. Later I got notification about hard inquiry to my credit report which was with my consent. After receiving the alerts I tried to reach the agent XXXX XXXX and she did not respond me whole day next day after several attempts I got connected and she claimed I gave her my consent which is not true. I am unemployed now a days and father of XXXX XXXX kids. Struggling with my finances and trying to rebuilt my credit score as after losing my job my credit cards are exhausted due to which my credit score is not good anymore and this un consent hard inquiry done more damage. I would request to get a proper proof of my consent which they will surely unable to provide and take action against the agent and company as well so they dnt do it as routine practice

Company response to consumer: Untimely response
Consumer complaint received 2025-05-19 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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