vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
I submitted a dispute to Transunion and Experian on XXXX XXXX XXXX after receiving a credit alert notification of a derogatory item being reported on my TransUnion and Experian credit report. 
Transunion and Experian are reporting inaccurate information that my XX/XX/XXXX payment status is " 30 days late ''. 
The account is with XXXX XXXXXXXX ACCOUNT # XXXX. Transunion and Experian are reporting the XX/XX/XXXX payment status as " OK '', however, Transunion and Experian also report the last payment date was XXXX XXXX, XXXX. There were not even 30 days in XX/XX/XXXX to have been 30 days late, in addition to the account already being paid in full XX/XX/XXXX. 

After contacting Transuion and Experian, I was told to file an online dispute.

In the dispute submitted to Transunion and Experian on XXXX XXXX XXXX, I included proof of the XXXX XXXX account being paid off in full on XX/XX/XXXX. Transunion and Experian responded to the dispute as " accurate and verified ''. Transunion and Experian are still reporting inaccurately by reporting XX/XX/XXXX as 30 days late. 

I have been denied credit by two companies on XX/XX/XXXX and XX/XX/XXXX, due to Transunion and Experian reporting this inaccurate information. I will include the denial letters. Both denials state the first reason for the denial was based on recent delinquent reporting on my credit report.

My credit payment history is excellent and has been for many years. Transunion and Experian 's inaccurate reporting is causing me unnecessary hardship and undue stress.

Please have Transunion and Experian report this account as " Ok '' current, or remove the inaccurate reporting of 30 days late.

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 2025-03-16 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: IL

Complaint narrative:
I recently reviewed my credit report and found several inaccurate items that do not belong to me. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 1681i ( 5 ) ), credit reporting agencies are required to ensure maximum possible accuracy and remove any unverifiable or inaccurate information from consumer reports. 

I am formally requesting that you investigate and remove the following inaccurate items from my credit report : 1. [ XXXX XXXX. Doing Business as XXXX XXXX ] Enclosed, I have included copies of my credit report with the disputed items highlighted, as well as any supporting documentation to assist in your investigation. Please conduct a reinvestigation and, if you can not verify the accuracy of these items, remove them from my report immediately. 

As required by the FCRA, please provide me with the results of your reinvestigation in writing. If the information is not corrected, I request that you include a statement of dispute in my credit file. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe outlined in the FCRA.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The inaccurate information pertains to a charge off, that appears on my credit report. According to the information provided. The charge off doesn't belongs to me. And I believe that it has been mistakenly reported The specific details of the charge-off that I disputes are. 

1.Date Last reported 2.Date Open 3.Date of last activities 4.Date of last payment 5.Payment History 6, XXXX 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 2025-03-16 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: TX

Complaint narrative:
The inaccurate information pertains to a charge off, that appears on my credit report. According to the information provided. The charge off doesn't belongs to me. And I believe that it has been mistakenly reported The specific details of the charge-off that I disputes are. 

1.Date Last reported 2.Date Open 3.Date of last activities 4.Date of last payment 5.Payment History 6, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CT

Complaint narrative:
Every month for six months since XXXX of XXXX my employer has paid $ XXXXtowards my student loan debt. On XX/XX/year> I was asked how I wanted the funds distributed. The form I completed indicated that the entire amount was to be applied to the principle balance of the account with the higher balance. Instead, my student loan servicer has been applying the funds towards my monthly principle and interest payments on both accounts every time my employer made a payment. The servicer has been contacted twice about this error yet has never responded nor corrected the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TransUnion Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX I discovered discrepancies in the following account 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TransUnion Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
RE : Expedite Needed : 2nd Dispute of Experians Failure to Properly Investigate Tenant Information To Whom It May Concern, Im writing again to dispute information on my tenant screening report that I believe is inaccurate and unverified. I reviewed my credit reports from all 3 major credit bureaus and associated tenant screening companies, and this account does not appear to have been properly investigated. 

Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ), you are required to ensure the accuracy of any information you report and conduct a thorough investigation when a consumer disputes the validity of an account. Based on my review of reports available to me, I believe this account is inaccurate and your failure to properly verify it is unfairly affecting my ability to secure housing. It is ruining my credit and my life! 

The investigation was completed without updating the information PROVING that a thorough investigation did not happen. The recent lawsuit involving the Consumer Financial Protection Bureau ( CFPB ) and Experian, highlights failures in proper investigations and handling of consumer disputes. My case is proof of this. 

Experians actions appear to violate the following : -FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information. 
-FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
-CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 

I previously disputed the following information on my Experian credit report : XXXX XXXX XXXX XXXX XXXX  XXXX -Account Name -Disputed Issue : Excessive inaccurate late payments/outstanding balances - should be updated to Paid To resolve this matter, I demand the following : -Remove Inaccurate or Unverifiable Information : If Experian can not verify the disputed account, and provide me the name and title of the person who certified this account, delete it from my tenant report immediately. 

I URGENTLY need a response with the requested information no later than 7 days of your receipt of this letter. This affects my ability to secure housing so I desperately need it to be expedited. If you can not verify this account, I demand its immediate deletion of payment history from my tenant screening report. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

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 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Banking with TRUIST BANK On XX/XX/XXXXXXXX XXXX XXXX XXXX transaction placed to business checking ( an account I own ) for {$2500.00} - The payment was placed on hold, I called to verify my account and the payment completed successfully On XX/XX/XXXX - Another XXXX payment for the same amount ( {$2500.00} ) - Payment placed on hold, removed after calling and verifying. Payment completed successfully On XX/XX/XXXX - Another XXXX payment for the same amount ( {$2500.00} ) - Payment placed on hold, removed after calling and verifying. Payment completed successfully on XX/XX/XXXX - Another XXXX payment for the same amount ( {$2500.00} ) - Bank does not release the money, returns the payment and locks me out of my account after providing all the same verifications. 

I am XXXX XXXX XXXX  account that I own and moving money to my XXXX XXXX account. The advertised XXXX limit is $ XXXX and I am not able to do this causing hardship with my business. The company will not accept online measures to verify my identity, and because they have shut down many locations/have no locations in XXXX XXXX , they are requesting I fly back which I did not need to do to fund the account. I was not given any notice that my account would be locked after moving my savings into another account.

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 2025-03-16 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: MA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: MA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$0.00}

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 2025-03-16 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: Foris DAX, Inc.
State: TX

Complaint narrative:
I show a balance of XXXX in my XXXX wallet thru Crypto.com. ( XXXX XXXX XXXXXXXX ) I was lead thru this process by a lady I had been talking to online for quite q while. At first it seemed all legitimate. But I reached a point where they said they would take my money if I did not deposit another XXXX. ( XXXX XXXXXX/XX/XXXX ) That would fulfill my obligation and then I could withdraw it all. My " friend '' who lead me into this said she would loan me the money and sent it to my account at the site. Again I tried to withdraw my money nothing happened for four days. ( Tuesday XXXX XXXX ) I sent an inquiry, and they came back and said I had made an entry error and locked my account. They required another XXXX to free it up and correct the error. I borrowed the money and and deposited it as required. Friday XX/XX/XXXX ) Again they said i had erred in my withdrawal data and would require XXXX to free it up. At this point I am broke and in debt and unwilling to try anymore. They did not notify me of a problem until I asked them where my money transfer was. They will not let me see the data as entered on the site. And now when try to look at the site my XXXX XXXX  says it is unsafe and blocks it. I feel that this site is intentionally trying to steal my money by making unreasonable demands for a simple clerical error of one or two characters.

I was not aware that there was even anyone to ask about this situation. The site ( a part of Crypto.com ) barely responds to my inquiry 's and the " friend '' is pressing me for her money back. I would note that this " friend '' is online and refuses to meet me in person. I asked her and pressed for a meeting and she got nasty very quickly threatening me with lawyers. 
A close friend whom I have know personally for over 20 years showed me a video about crypto scams from XXXX in Oregon which sounds exactly like what happened to me. I will attach a link to the brief article at the end of this missive. So I am asking you if I have been scammed or if something is different? Where can I turn for help? Any advice you can offer would be beneficial to me as I am desperate. This whole thing has seemed surreal. Thank you very muchXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Meta Payments Inc.

Complaint narrative:
Dear Customer Support Team, I hope this message finds you well. I am writing to formally report an issue I am experiencing with bank in XXXX regarding a transaction dispute that they are refusing to process. 

I have a credit card issued by bank, which I used for XXXX ads. Over two months, I added funds to my XXXX advertising account using the Add Money button, accumulating a significant balance. However, due to XXXX algorithm, my advertising account was suddenly shut down, which is a common issue. As a result, my unused balance remains locked inside the account. 

When I was unable to contact XXXX in the U.S. for assistance, I reached out to banks XXXX XXXX in XXXX. Additionally, I managed to contact XXXX representatives at their XXXX office in XXXX. Although they were unable to assist me directly due to jurisdictional limitations, they confirmed that I have the right to dispute the transaction, and in such cases, the receiving bank and XXXX would review and resolve the issue. 

I have all relevant documents, including emails, invoices, and other evidence, yet bank refuses to process my dispute and is treating me unfairly. Even when I offered to facilitate direct communication between bank and XXXX XXXX office, they declined. 

This refusal to assist me violates international financial regulations, leaving customers unprotected and financially disadvantaged. 

I urgently request your intervention in ensuring that my dispute is processed before the deadline, so the appropriate parties can investigate and resolve the matter accordingly. 

Thank you in advance for your support. 

XXXX XXXX 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 explanation
Consumer complaint received 2025-03-16 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: NY

Complaint narrative:
i am a victim of data breach and identity theft please block and delete these unauthorized accounts with unauthorized charges as well frca usc 1681c-2

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 2025-03-16 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 not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-16 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief