vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX inaccurately reported XXXX late payments on my private student loan accounts. These reported delinquencies are incorrect and have caused significant harm to my credit profile. 

On XX/XX/XXXX, I formally disputed these inaccuracies with both XXXX XXXX and the three major credit bureaus ( XXXX, XXXX, and TransUnion ). I provided clear documentation, including payment records, demonstrating that these late payments were incorrectly reported. Despite my formal dispute, XXXX XXXX failed to correct the inaccuracies or provide valid documentation supporting their reporting. 

I followed up multiple times with XXXX XXXX and the credit bureaus, yet the erroneous late payments remain on my credit report. This failure to correct the issue has resulted in financial hardship, including denied credit applications, increased interest rates on existing accounts, and potential loss of housing opportunities. 

I am requesting immediate action from the CFPB to ensure that XXXX XXXX removes these inaccurate late payments from my credit reports within three days. If XXXX XXXX can not verify the accuracy of the reported delinquencies, the entire XXXX XXXX account must be deleted from my credit report to prevent further harm. Additionally, I seek a formal confirmation from XXXX XXXX and the credit bureaus stating that my credit report has been fully corrected. 

If this matter is not resolved within the requested timeframe, I will escalate the issue further through legal action under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). This complaint requires urgent attention to prevent continued financial harm.

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 2025-03-17 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: PA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX inaccurately reported XXXX late payments on my private student loan accounts. These reported delinquencies are incorrect and have caused significant harm to my credit profile. 

On XX/XX/XXXX, I formally disputed these inaccuracies with both XXXX XXXX and the three major credit bureaus ( Experian, XXXX, and XXXX ). I provided clear documentation, including payment records, demonstrating that these late payments were incorrectly reported. Despite my formal dispute, XXXX XXXX failed to correct the inaccuracies or provide valid documentation supporting their reporting. 

I followed up multiple times with XXXX XXXX and the credit bureaus, yet the erroneous late payments remain on my credit report. This failure to correct the issue has resulted in financial hardship, including denied credit applications, increased interest rates on existing accounts, and potential loss of housing opportunities. 

I am requesting immediate action from the CFPB to ensure that XXXX XXXX removes these inaccurate late payments from my credit reports within three days. If XXXX XXXX can not verify the accuracy of the reported delinquencies, the entire XXXX XXXX account must be deleted from my credit report to prevent further harm. Additionally, I seek a formal confirmation from XXXX XXXX and the credit bureaus stating that my credit report has been fully corrected. 

If this matter is not resolved within the requested timeframe, I will escalate the issue further through legal action under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). This complaint requires urgent attention to prevent continued financial harm.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
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. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

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 2025-03-17 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-17 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: MA

Complaint narrative:
I am filing this complaint under FCRA 605B ( 15 USC 1681c-2 ) to request that Equifax block fraudulent information appearing on my credit report. These accounts resulted from identity theft, the Equifax data breach, and fraud and must be removed within four ( 4 ) business days of receiving this request.

The fraudulent accounts and inquiries include : 1. Request for Account Blocking and Deletion Due to Data Breach XXXX Date of inquiry : XX/XX/year> Please Delete this account. The account statuses do not match on each bureau. The bureaus are violating the XXXX by providing inaccurate information. 
2. Request for Account Blocking and Deletion Due to Data Breach XXXX  XXXX XXXX Date of inquiry : XX/XX/year> Please Delete this account. The account statuses do not match on each bureau. The bureaus are violating the XXXX by providing inaccurate information.

3. Request for Account Blocking and Deletion Due to Data Breach XXXX  XXXX XXXX Date of inquiry : XX/XX/year> Please Delete this account. The account statuses do not match on each bureau. The bureaus are violating the XXXX by providing inaccurate information. 
4. Request for Account Blocking and Deletion Due to Data Breach XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. Request for Account Blocking and Deletion Due to Data Breach COLLECTION Account Number : XXXX Please remove it from my credit report. 
6. Request for Account Blocking and Deletion Due to Data Breach COLLECTION Account Number : XXXX Please remove it from my credit report. 
I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer FICO credit report.

As proof, I have attached my FTC Identity Theft Report. I expect Equifax to comply with the Fair Credit Reporting Act ( FCRA ) and immediately block these fraudulent items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
This is my 3rd attempt to advise you of your consumer violations against me. Ive reviewed your response in connection with my prior dispute and your response reflects that you will continue to violate my consumer rights by reporting my credit usage and late payments to the 3 consumer report agencies. This excerpt is from the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681a ( d ) ( 2 ), which defines exclusions from the term " consumer report. '' Summary of the Exclusion : Specifically, under subsection ( A ) ( i ), a report that contains only information about transactions or experiences between the consumer and the person making the report is not considered a " consumer report. '' Im attempting to inform you of your violations, so youre able to make the corrections Im presenting to you. If you choose to continue your violations, then you are willingly and knowingly breaking the law to bear on my credit worthiness.

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 2025-03-17 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: HI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-03-17 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: CBC Companies, Inc.
State: CT

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I requested my account to be closed upon finding a subscription fee from XXXX and told them it would be refunded and it was. However the card was never canceled as requested and interest was added monthly to annually for just over 2 years. 

All in total interest accrued was {$18.00} of which no principal balance it was based. After doing my own research, I found unopened emails in my spam with old Bank of America credit card bills probably sent to spam since I had closed the account. 

Bank of America stands firm on not adjusting this balance despite my efforts and appears on my credit report. I find this more than unreasonable despite my efforts and hoping you can help.

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 2025-03-17 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: CA

Complaint narrative:
BEING A VICTIM OF XXXX XXXX HAS BEEN A VERY TRAUMATIZING EXPERIENCE FOR ME. THERE ARE ACCOUNTS WHO ARE FRAUDULENTLY REPORTING ON MY CREDIT FILE.

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 2025-03-17 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: CT

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of crimes which antedates the report by more than seven 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 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 2025-03-17 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I sent a friend {$150.00} via CashApp, which Ive used before for this person, and the recipient has been unable to collect the funds. Ive initiated several disputes, as the recipient has as well, to have the funds returned to me because they will not activate his account which prevents him from collecting the funds. Cash App has been holding my money in limbo since XXXX. They ask for information and verification from the recipient which he provided several times and still do not refund me as the sender or activate his account so he can receive the funds. Cash App made the choice to disable the recipients account, they can see the information, so I can understand why they dont automatically return funds to the sender when this happens. Its my funds and my transaction is incomplete due to the recipient account being XXXX. This should be an easy and automatic refund to the sender. I need help getting my funds back. XX/XX/XXXX and XXXX XXXX i submitted disputes and on XX/XX/XXXX. The recipient has also submitted disputes as well and nothing has worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I placed a freeze on my credit through all three bureaus after a security breach at a healthcare organization a few years ago. I am now applying for XXXX XXXX  for medical school and need to temporarily lift the freeze. I attempted to do this through Experians automated line but the system told me it was unable to process my request. This occurred on XX/XX/year>. On XX/XX/year> I attempted to unfreeze my account online and was again presented with an error. I had to call the automated line a total of 5 times before I got to an option that would not hang up on me and would put me in line to speak to a representative. When I finally got to this option, the hold was well over an hour. I still have yet to lift the freeze on my account. It should not take this long or be this difficult to access/manage your own information without paying for a premium 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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase replied to my prior complaint XXXX stating they could not respond as I am represented by an attorney. I have since fired my attorney and represent myself only in the matter. proof uploaded. 

On XX/XX/XXXX, a " duplicate '' recipient was sent {$2800.00} from my account using XXXX. I say " duplicate '' because a similar recipient was already in my registered XXXX recipients. This fraudulent similar recipient had the same entity name as another but the email identity was changed by 1 letter. I alerted J JPMorgan Chase bank XX/XX/XXXX who told me to go to XXXX, XXXX told me to go to Chase. Chase said they would send detailed documents on the transfer but have never done so. I tried to request " the money back from the fraudulent recipient and now it says " not registered with XXXX. '' Chase absolutely refuses to give me any information or contact the recipient bank to recover my money. I contacted my local congressman, and he alerted me that the CFBP is currently suing XXXX Chase and others for this exact scenario. CFPB v XXXX XXXX XXXX XXXX .... XXXX ( XXXX ) and Chase did nothing to verify the account that my money fraudulently went to nor do they even know the identity of the recipient. I know from my own personal experience that my identity is exhaustively verified in all my financial affairs. How is a transaction like this able to occur within a bank of all places. Chase and XXXX have no clue if this recipient is related to terrorism, paying taxes on the money to the IRS among many other important details let alone protecting me from the basic fraud that has occurred to me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
I just reviewed my credit report and noticed some inquiries I dont recognize. Im really anxious because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need.

Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX  XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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