vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
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 2025-03-10 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX ss # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name, XXXX XXXX XXXX has violated my rights. 
Original Creditor : XXXXXXXX XXXX XXXX  Balance {$100.00} Account # XXXX Date Opened XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).


And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I'm concern with the current interest rate on my credit card. Given my loyalty and payment history I would like to get reduction on my rate as it isn't in my highest of interest. With your help looking into this it would be highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My payment due date as stated on my statements and terms is the XXXX of each month by XXXX. My payment was due XX/XX/year>XXXX  and on the same day, XX/XX/year>, I logged on to pay at XXXX EST, 29 minutes before the payment was due. I tried to pay but the system had the same day grayed out and would only let me choose payment from XX/XX/year>. I chatted with someone immediately and was told that " payment was due by XXXX EST '' that day or it was late. However, this is not anywhere in my agreement or on their site when paying or terms. I was forced to schedule it for XX/XX/XXXX. I asked a different rep for help who told me not to worry and that they would remove the fee if I chatted later and that my credit score would not be affected which is false. I think Synchrony intentionally violated our agreement to deceive customers into paying late fees by removing the option to pay at all on the same day after some undetermined time that is not stated. They expect the customer to reach out later and fix their mistake when they had no lawful reason to charge one in the first place. They are hoping we don't reach out. My screenshot metadata proves it was XX/XX/XXXX when I tried to pay and was denied.

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 2025-03-10 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:
In accordance with the fair credit Reporting XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may nok treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. All late payments should be remove from my credit report.

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 2025-03-10 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:
Transunion has removed two collection accounts from XXXX XXXX and then reinserted them. This is in violation of FCRA and metro 2 requisite guidelines. This is clearly an example of how TransUnion does not comply with FCRA LAWS AND performs sham investigations of consumer disputes. I have no signed agreement or contract with XXXX XXXX  at all.

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 2025-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am being made responsible for a fraudulent transaction on my account. A close relative with my personal passcode information gained access to my phone and purchased tickets under my name and arm account without my permission. They had previously requested for me to do this for them but I declined. XXXX : XXXX for {$1300.00}. Please find an ID theft report enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I was a victim of identity theft and this is my request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXXXXXX XXXX XXXX Balance Owed : {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: AZ

Complaint narrative:
My personal Information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX XXXX ACCT # XXXX, Bal- XXXX, opened : XX/XX/XXXX # XXXX ACCT # : XXXX, Bal- {$0.00}, opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX - ACCT XXXX XXXX, Bal- {$2400.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX, Bal- {$660.00}, opened : XX/XX/XXXX # XXXX : ACCT # : XXXX, XXXX {$460.00}, opened : XX/XX/XXXX XXXX XXXX - ACCT # : XXXX, Bal- {$1200.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX Bal- {$900.00}, opened : XX/XX/XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX {$300.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT # : XXXX, Bal- {$600.00} XXXX opened : XX/XX/XXXX Credit XXXX - ACCT # : XXXX, Bal- {$3000.00}, opened : XX/XX/XXXX 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: AZ

Complaint narrative:
My personal Information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX XXXX ACCT # XXXX, Bal- XXXX, opened : XX/XX/XXXX # XXXX ACCT # : XXXX, Bal- {$0.00}, opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX - ACCT XXXX XXXX, Bal- {$2400.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX, Bal- {$660.00}, opened : XX/XX/XXXX # XXXX : ACCT # : XXXX, XXXX {$460.00}, opened : XX/XX/XXXX XXXX XXXX - ACCT # : XXXX, Bal- {$1200.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX Bal- {$900.00}, opened : XX/XX/XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX {$300.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT # : XXXX, Bal- {$600.00} XXXX opened : XX/XX/XXXX Credit XXXX - ACCT # : XXXX, Bal- {$3000.00}, opened : XX/XX/XXXX 2022

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: NY

Complaint narrative:
Dispute XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX : Source of dispute information : Credit Report Type of disputed information : Accuracy of Reported Late Payments and Remarks Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. 
The report shows I was late on above mentioned dates, The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. Please find a history of my payments with XXXX XXXX XXXX, indicating no late payments. 
I have attached a copy of my report with the accounts in question circled. 

Dispute XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Source of dispute information : Credit Report Type of disputed information : Accuracy of Reported Late Payments and ReMarks Dates associated with item being disputed : XX/XX/XXXX, and XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. I dispute these charges and I dont recognize the late charges in question. 
Please find my bank statements from XX/XX/XXXX and XX/XX/XXXX, disputing the charges in question. 
Dispute XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Type of disputed information : Accuracy of Reported Late Payments and ReMarks Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. I dispute these charges and I dont recognize the late charges in question. There are conflicting reports on the accuracy of a false late between on the other 2 credit bureaus as well. 
Please find my bank statements from XX/XX/XXXX, disputing the charges in question.

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 2025-03-10 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: NJ

Complaint narrative:
This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NJ

Complaint narrative:
This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

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 2025-03-10 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:
I am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Here are the account marked inaccurate. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: RI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or 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 furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes 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 Experians 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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 2025-03-10 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: Paypal Holdings, Inc
State: CT

Complaint narrative:
So I opened a XXXX  account and everything was normal I asked a family member to add {$15.00} to my account which they did and when I tried to withdraw it to my debit card it wont let me I added multiple cards and it still wont let me I added a bank account to transfer it to it wont do the transfer for me it keeps declining I opened a XXXX debit card so I can use it and the card wont add to my apple wallet I called XXXX they were not of any help and I can not access my funds but Im able to add it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
I am writing to demand the immediate deletion of any collections entries 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 collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I assert that these collections entries are inaccurate and violate 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 these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided 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 non-monetary relief