vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: NY

Complaint narrative:
Dear Equifax, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvesting of disputed information on my credit report, leaving inaccurate or unverified 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 furnishes, 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 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing several accounts on my credit report that I believe to be inaccurate or unverifiable. Please provide the source of this information and the methods used to validate its accuracy. 

Due to the XXXX XXXX Data Breach in XX/XX/year>, which exposed sensitive personal information, including Social Security numbers, I have reason to believe these derogatory accounts may result from compromised data. This breach has significantly increased identity theft and fraudulent activity, raising serious concerns about the integrity of the reported information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing several accounts on my credit report that I believe to be inaccurate or unverifiable. Please provide the source of this information and the methods used to validate its accuracy. 

Due to the XXXX XXXX Data Breach in XX/XX/year>, which exposed sensitive personal information, including Social Security numbers, I have reason to believe these derogatory accounts may result from compromised data. This breach has significantly increased identity theft and fraudulent activity, raising serious concerns about the integrity of the reported 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern upon reviewing my recent credit report, which revealed inappropriate, misleading, inaccurate, and incomplete information. The presence of such information is causing considerable inconvenience and harm to my credit, employment opportunities, and rental prospects.

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
Description of the Issue ( Complaint Against Square , Inc. ) On XX/XX/year>, Square , Inc. placed a hold on XXXX $ from my account without providing a clear justification. I have been informed that my funds will be held for 90 days, despite my business operating in full compliance with Squares terms of service. 

Timeline of Events : XX/XX/year> A payment of XXXX $ was processed through Square. 
XX/XX/year> Square placed a hold on my funds, stating that my account required further review. No specific reason was provided. 
XX/XX/year> I contacted Squares customer support to inquire about the issue. I was told that my account was under review, and I would receive an update soon. 
XX/XX/year> I made multiple attempts to resolve the issue, including submitting all requested verification documents. Despite this, Square continues to hold my funds and has not provided a definitive timeline for their release. 
XX/XX/year> I sent a formal demand requesting the immediate release of my funds. Square has yet to respond with a resolution. 
Actions Taken & Business Impact : I have attempted to resolve this issue through Squares customer support, but my inquiries have not been addressed in a meaningful way. 
The withheld funds have significantly impacted my business, causing financial strain and preventing me from covering essential expenses.

Squares lack of transparency and failure to provide a resolution is unacceptable and may violate consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Asked titlemax several times would it be possible for a hardship or a settlement because I wasn't told about hidden fees, then was told to make a payment then you can apply for hardship/settlement. Made payment then asked again, was told to get something from my job by then another payment was due, call to make a {$250.00} payment over the phone was told I had to come in to refinance, I told her I was out of town working, then I took off work the following XXXX  to make a payment, so I go in the store to make my payment just for them to say now your payment is {$310.00}. I explain i tried to make the payment over the phone and you wouldn't take now I have to pay {$310.00}, I replied ma'am I don't have that much could you just take {$250.00} she said no! Go get the rest of it. They wouldn't work with me at all! I then file a complaint with titlemax headquarters, overtime I call they keep transferring me to someone else, then phone hangs up! I would like to settlement this matter as soon as possible. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: PA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to find multiple unauthorized inquiries that I did not approve. These inquiries should never have been recorded and are unfairly impacting my financial standing. I refuse to allow inaccurate and unauthorized inquiries to remain on my report, and I demand an immediate investigation. The disputed inquiries include XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all reported inquiries are accurate and authorized. If these inquiries can not be substantiated with verifiable documentation proving my explicit consent, they must be removed immediately. This is not a requestit is a demand for compliance with federal law. I expect prompt corrective action, along with a detailed response outlining the verification process used to validate these inquiries.

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 2025-03-04 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXngelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I was shocked to find the following account reported negatively : Creditor : XXXX XXXX  Account Number : 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 2025-03-04 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: CL Holdings LLC
State: TN

Complaint narrative:
My data was breached and collection on my credit report that dont belong to me. i contact company n ask for original paperwork the tep hung up on me i called again and for 1099 c n they hung up on me. This is Jefferson Capital Systems llc. They was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 accounts 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 to be removed/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. 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!

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 2025-03-04 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: VA

Complaint narrative:
I dispute the accuracy of a child support account that is being reported on my Equifax credit report. After Equifaxs so called investigation they made some changes but the information is still not accurate. Equifax used incomplete information from the XXXX  of Virginia to complete their investigation. How can Equifax say that this account meets FCRA requirements when its missing key information such as payments that I have made. Payment history is a key factor in calculating my credit score and because the information provided to Equifax is inaccurate it caused an adverse effect to my credit score, which in turns effects my overall financial health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
( XXXX XXXX ) has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA XXXX ( a ) ( XXXX ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law. 
FCRA XXXX ( XXXX XXXX. XXXX ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report. 
FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within XXXX  days means this late payment must be deleted. 
Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
( XXXX XXXX ) has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA XXXX ( a ) ( XXXX ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law. 
FCRA XXXX ( XXXX XXXX. XXXX ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report. 
FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within XXXX  days means this late payment must be deleted. 
Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies.

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 2025-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
We were in the process of buying and selling a home, and XXXX was the lender for the buyers of our property. Our closing was scheduled for XX/XX/year>, but the Closing Disclosure wasnt sent out in time to meet the required three-day period. As a result, we, as the sellers, had to cover a {$500.00} cost for rent-back on the home we were purchasing by closing on XX/XX/year>. We requested reimbursement from XXXXChase Bank due to their mistake, but they refused to offer any concessions and only apologized. Its frustrating that, while in the midst of purchasing a home and already being financially stretched, Chase Bank wouldnt cover the {$500.00} caused by their own error, and make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I have been trying to resolve a student loan payment adjustment issue with SoFi for over two months. I made a payment of {$1300.00}, which was supposed to be adjusted to my new loan account, but despite multiple follow-ups, SoFi has failed to process the adjustment. 
Repeated Delays and Unfulfilled Promises : I have contacted SoFi Support multiple times via chat and phone. 
A supervisor assured me that I would receive a callback within 2 days, but it has now been over 10 days with no response. 
Support agents repeatedly apologized but provided no concrete resolution, only offering to request a callback without any guarantee. 
Financial Impact Due to SoFis Negligence : The delay in adjusting my payment has resulted in double deductions for the same loan. 
This has caused significant financial strain, as I had to make payments unnecessarily. 
Additionally, my loan continues to accrue interest, increasing my overall financial burden due to SoFis failure to correct the adjustment in a timely manner. 
Date - Payment deduction happened on XX/XX/2025, first follow up on XX/XX/2025 and multiple follow ups followed every week since then until XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX  company pressurized me to buy a travel certificate for {$290.00} promising that it will give 50 % discount on my next travel. It neither give me discount but it does not even work, It says invalid certificate. The merchant is fraudulent, I requested Bank Of America to reverse that transaction but they did not.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : URGENT DEMAND FOR IMMEDIATE CORRECTION OF CREDIT REPORT INACCURACIES Dear Sir/Madam , This letter serves as a formal demand for the immediate correction of inaccurate and outdated personal information appearing on my credit report with XXXX, TransUnion, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to investigate and correct any errors without delay. Failure to comply may result in legal action. 

Upon review of my credit report, I have identified several discrepancies that must be corrected immediately to reflect the accurate details as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX XXXX XXXX Date of Birth ( XXXX ) : XX/XX/year> Additionally, the following reporting inaccuracies require correction without delay : Open dates Last reported dates Comments Date last active Date of last payment Payment History I have enclosed supporting documentation that verifies these inaccuracies. Per FCRA regulations, you are required to conduct a proper investigation within 30 days and correct these errors. If this matter is not resolved promptly, I will have no choice but to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Furthermore, I demand written confirmation once the corrections have been made and require assurance that the corrected information is updated across all creditors and data furnishers who have received the erroneous data.

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