vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I am writing to formally dispute the late payments reported on my credit report, in accordance with my rights under federal law. The reporting of these late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the FCRA XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a XXXX XXXX account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b. The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ). I request that you conduct a thorough investigation of the reported late payment. If the information is found to be inaccurate or unverifiable, I expect it to be corrected or removed from my credit file promptly, as required by law. Please provide documentation verifying the accuracy of the late payment, including but not limited to : 1. Proof of the payment due date and the date payment was received. 2. An explanation of how the payment was deemed late, in light of the statutory requirements. 3. Confirmation of compliance with the legal grace period outlined in 15 USC 1666b. Failure to address this matter accurately and promptly may constitute a violation of federal law, and I reserve the right to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. Please respond to this letter within 30 days as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your resolution.

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 2025-04-14 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX according to 15 U.S. code 1681s-2 they have charge off the account XXXX. But written off at XXXX inaccurate 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 non-monetary relief
Consumer complaint received 2025-04-14 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:
XXXXXXXX XXXX XXXXXXXX according to 15 U.S. code 1681s-2 they have charge off the account XXXX. But written off at XXXX inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally request the removal of a bankruptcy currently listed on my credit report. The bankruptcy filing number is XXXX. This record should no longer be reported under the federal guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681c ( a ) ( 1 ) of the FCRA, civil judgments and bankruptcies may only be reported for a maximum of seven ( 7 ) years from the date of filing, except in the case of a XXXX XXXX bankruptcy, which may be reported for up to ten ( 10 ) years. In this case, more than seven years have passed, and this record should have been removed from my credit file. Continuing to report it past the allowable time limit is a direct violation of the FCRAs permissible reporting periods. 

Additionally, I have contacted the bankruptcy court directly, and they confirmed that they do not furnish information to credit reporting agencies, which means any reporting on this item must be independently verified by TransUnion and supported with a current legal basis. If TransUnion can not provide documented evidence that continued reporting of this bankruptcy is lawful and within the allowed timeframe, it must be removed immediately. 

In accordance with 15 U.S.C. 1681i, I am exercising my right to dispute this information and request that a reasonable reinvestigation be conducted. If the information can not be verified, it must be deleted from my file within the 30-day period allowed by law.

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 2025-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Originally debt was added to credit report under my sons name XXXX XXXX in collections. Several years back. I had it removed twice. Now years later trans union has added this back on my credit report now in my name. Its my only collection on any of my three credit reports. Saying its a new debt from XX/XX/XXXX when XXXX does not even have cable in XXXX Florida. I have lived here since XXXX. I have disputed this at least five times they refuse to remove it or even allow me to dispute it anymore.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email from Chime stating that a hold was placed on my account due to " unusual activity '' and that I could not access my funds or use my account. 

The email requested various documents to verify the origin of deposits, including government-issued ID, proof of address, and explanations for deposited funds. I was unable to provide all requested documents, as some were not applicable or available to me. 

In XX/XX/XXXX, I contacted Chime to inquire about the status of my account balance, which I was told would be mailed to me after my account was closed. Chime responded that my account was closed for non-compliance with their policies and was ineligible for a refund unless I provided specific documents, including a W2, paystub, or unemployment benefit verification, which I could not provide. 

I clarified that I was not seeking a refund for a purchase but the return of funds I had deposited into the account. Chime maintained that they could not release the funds without the requested documents and cited their account agreement. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I repeatedly contacted Chime, emphasizing that my deposited funds were still not returned, despite their initial assurance that a check would be mailed within weeks. Chimes responses remained consistent, stating that no funds would be released without additional documentation. As of XX/XX/XXXX, I have not received the funds that were in my account when it was closed in XXXX, nor have I received further explanation beyond references to their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
They want a picture of my drivers license, but I dont have it. All I have is a picture of my drivers license on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: PA

Complaint narrative:
I paid off my XXXX visa credit card over a month ago... They, and the credit collection agency they allegedly sold my account to, have failed to report that I paid the account off in full .... 

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
Consumer complaint received 2025-04-14 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: AZ

Complaint narrative:
My personal information was exposed in a data breach and I don't know the creditors of the accounts listed below. But Experian and TransUnion refuses to remove these accounts from my credit report. 

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

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 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Loan With Chase Bank. paying For my car loan.. I've been having a problem paying my loan. I have reached the banker in person. in XXXX XXXX XXXX. Chase bank branch. to request changing. of. the day of the payment. 

They promised me to do this instead of paying the loan on the XXXX to change it to the. XXXX of each month. I've been noticing late payment fees. which raised the concern. after I reached out to the bank. to the banker to ask him. how can we resolve this issue? He promised to change this as soon as possible. And to waive the fees. I have noticed no change. on my statement. And they still charge me for the late fee. And including. not charging me for the. loan which I. scheduled. through their website to make a payment. on the XXXX. ordered the XXXX of each month. 

Their customer service. was terrible. where the put me through the phone. with their finance loan department. He refuses to make any changes unless I pay the fees, which he said. this fees because I was late for buy payment. I explained that I requested to change the payment day. I kind of fit up with the games they play and I do not have any help or support. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
Experian, TransUnion & Equifax has failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable 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 dispute outcomes. These failures align with my experience, where said companies has 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, TransUnion and Equifax 's inaction violates federal law and my rights as a consumer. 

. 

This has been an ongoing issue for several years, and despite repeated disputes, the inaccurate information remains on my credit report. I am requesting that a full investigation be conducted, and that these fraudulent or erroneous entries be removed immediately in accordance with the Fair Credit Reporting Act ( 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 2025-04-14 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The U.S. Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {XXXX XXXX in damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. Equifax Info. Servs., LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against XXXX XXXX XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) fined XXXX XXXX XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( XXXX ) : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: AZ

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate, incomplete, or unverifiable. I am requesting that you investigate this matter and remove or correct the inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NJ

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NJ

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records.

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 2025-04-14 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: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; 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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-14 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: MS

Complaint narrative:
I am filing a complaint because my creditor is reporting a collection on my account by the name of XXXX XXXX XXXX. Collection agency is not even properly reporting an account number as well as the account being on my report twice. This account is inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the collection account remains without proper validation or documentation. Under 15 USC 1681 S 2A furnishers must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

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