vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX D.C. XXXX Subject : Formal Complaint Against Equifax for Inaccurate Credit Reporting XXXX XXXX XXXX ( Account # XXXX ) Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Equifax for its continued reporting of inaccurate and unverified information concerning a collection account placed by XXXX XXXX XXXX, referenced under account number XXXX. 

Despite multiple good-faith efforts to dispute this account and request debt validation from both Equifax and XXXX XXXX XXXX , the incorrect information remains on my credit report without correction or justification. 

Under 15 U.S.C. 1681s-2, furnishers of credit information are legally required to report only accurate data and to correct or delete any information found to be inaccurate or unverifiable upon receiving notice of a dispute. The continued reporting of this account suggests that neither Equifax nor XXXX XXXX XXXX is in compliance with this federal requirement. 

Further, 15 U.S.C. 1681e ( b ) obligates consumer reporting agencies to employ reasonable procedures to ensure the maximum possible accuracy of the data they furnish. Equifaxs ongoing failure to address this discrepancy demonstrates a clear lack of adherence to this statutory obligation.

Additionally, under 15 U.S.C. 1681i, Equifax must conduct a reasonable investigation within 30 days of receiving a formal dispute. To date, no meaningful investigation appears to have been conducted, and no verifiable documentation has been provided to substantiate the validity of the alleged debt. The responses I have received from both Equifax and XXXX XXXX XXXX have been vague, insufficient, and noncompliant. 

My Requests : A full and independent investigation by the Consumer Financial Protection Bureau into Equifaxs handling of this account and the procedures used to verify the accuracy of the reported information. 

A formal correction or removal of the XXXX XXXX XXXX account from my credit report if it can not be properly validated with appropriate documentation. 

A complete and detailed disclosure of my Credit Management Information ( CMI ) file as maintained by Equifax.

Given the CFPBs role in enforcing the Fair Credit Reporting Act ( FCRA ) and protecting consumers from unlawful or negligent credit reporting practices, I respectfully request that your office hold Equifax accountable for its failure to comply with federal legal standards.

Thank you for your time and attention to this matter. I am prepared to provide any supporting documentation you may require to assist in your investigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I dont know who these company is, my best guess is that it is XXXX because Ive searched up the collection office for them. Although Ive never opened an account around that time the collection was opened on my account, I dont know if someone used my social for said account, if someone used my name or anything. I have an active spectrum account and I always make on time payments, never have a negative balance, certainly not XXXX XXXX I shouldnt have to pay this because Ive never had this until a year later! This isnt my responsibility to pay for something that I have nothing to do with, my score shouldnt have to be low because of this especially because Im starting off as well. I hope this can be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a derogatory collection account placed on my credit report by BMW Financial Services in XXXX for lease account number XXXX. I believe this negative mark is the result of a miscommunication and improper notification process following the total loss of my leased BMW vehicle. 

After my vehicle was involved in a severe accident, my insurance company paid off the balance in full. I was informed by the insurance company that the deductible would be handled by the other motorists insurance, and I was under the impression that this settlement closed the account in its entirety. At no point did I receive any communication from BMW regarding an outstanding balance. BMW claims to have sent letters, but they admit these were sent to the wrong address. I did not receive any notice or bill, and only became aware of the derogatory mark after being alerted by a credit monitoring service. 

Upon learning of the outstanding balance, I immediately paid it in full in an effort to resolve the situation-even though I was not at fault and the amount was minimal. Despite my prompt payment and good faith effort to rectify the matter, BMW refuses to acknowledge their error or update my credit report to remove the derogatory remark. I have requested that BMW correct this mistake, but they have declined to do so. 

I have been a loyal BMW customer for nearly a decade, consistently maintaining an excellent payment history and never missing a payment. It is deeply troubling that a long-standing customer with a previously spotless record would be treated in this manner, especially when the negative mark resulted from a lack of proper notification and a situation beyond my control. 

I respectfully request the XXXX XXXX XXXX assistance in having this collection account removed from my credit report, as it was placed in error and without due notification. 

Thank you for your attention to this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Request for Method of Verification Account with XXXX XXXX XXXX Accounts of unverified debt : XXXX, XXXX, XXXX Dear Experian, I am writing regarding the results of your reinvestigation of the above-referenced account, reported by XXXX, which continues to appear on my Experian credit report despite my dispute. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with the method of verification used to verify this account.

Please provide me with : 1. The name, address, and telephone number of each person, company, or entity that you contacted during your reinvestigation.

2. A description of the procedure used to determine the accuracy and completeness of the disputed information, purchase agreements, bill of sale and FFA.

If you can not provide this information within 15 days, please remove this account from my credit report as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

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 2025-05-09 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score.

SYNCB/SLEEP NUMBER ALLY FINANCIAL In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank won't revise any terms for credit card repayment and is pursuing a charge-off. They refuse any payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM 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 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
My information was sold to a XXXX XXXX and its is illegally on my credit report. My Personal Information was a part of a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I hope this complaint finds you well. I am writing regarding my account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with GS Bank USA.Upon reviewing my recent credit report, I noticed a late payment reported on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to the accurate and fair reporting of their credit information. Given my ongoing commitment to maintaining a positive account history, I respectfully request a review and removal of this late payment as a goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I hope this complaint finds you well. I am writing regarding my account ( Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with XXXX XXXX  XXXX reviewing my recent credit report, I noticed a late payment reported on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to the accurate and fair reporting of their credit information. Given my ongoing commitment to maintaining a positive account history, I respectfully request a review and removal of this late payment as a goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed that an unauthorized inquiry is showing up on my credit report this morning, and I do not know why. I just checked my credit report as usual, but this time there were discrepancies out of nowhere. Kindly review all the documents I've sent in regards to this.

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 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRIMERA FINANCIAL CORP.
State: CA

Complaint narrative:
I have received a letter about late payment of {$410.00}. When I tired making it. There was issues the loan company was not trying to work a solution with me to be able to keep the car I had purchased with {$7000.00} down payment. Now the primera financial corp is asking for {$1300.00} so it turned over to the collection department but its already in affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Piease remhove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-09 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was being charged money on my TD Bank account by a fake company disguising itself as a real company that a have an account with. I have an account with XXXX, which is a money loan, credit card and credit boosting company. 
My TD Bank account is linked to my XXXX Account via auto-pay and I rarely check my account transactions ( which is why it took me so long to realize there was fraudulent activity ). I recently switched all my payments to be on my business credit cards so I went to check my TD account statement to make sure I did them all and noticed numerous charges on my account appearing to be from XXXX  I checked my XXXX statements to see if these payments were from my card and they weren't they were fraudulent. 
I spoke with XXXX and they confirmed there were no charges on my XXXX account which coincide with the ones on my bank statements. 

I filed a police report on XX/XX/XXXX as well as a claim with TD Bank. 
TD denied my claim stating " the transactions appeared to be authorized because of successful online banking log in during disputed time '' I did access my online banking during this period but because my card was on autopay I didn't think to check the transactions and even if I did check them they looked similar to what the regular XXXX payments looked like so I wouldn't have though anything of it. 

My normal payments from XXXX XXXXead as " ACH Debit, XXXX XXXX XXXX XXXX XXXX '' The fraudulent charges which read as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe fraudulent charges are from the following dates, XX/XX/XXXX, in the amount of {$170.00}XXXX XXXX XXXX XXXXXXXX, in the amount of {$240.00}, XX/XX/XXXX, in the amount of {$130.00}, XX/XX/XXXX, in the amount of {$100.00}, XX/XX/XXXX, in the amount of {$200.00}, XX/XX/XXXX, in the amount of {$220.00}, XX/XX/XXXX, in the amount of {$340.00}, XX/XX/XXXX, in the amount of {$410.00}, XX/XX/XXXX, in the amount of {$450.00}, XX/XX/XXXX, in the amount of {$440.00}, XX/XX/XXXX, in the amount of {$180.00}, XX/XX/XXXX, in the amount of {$380.00}, XX/XX/XXXX, in the amount of {$200.00}, XX/XX/XXXX, in the amount of {$200.00}, XX/XX/XXXX, in the amount of {$100.00}, XX/XX/XXXX, in the amount of {$200.00}, XX/XX/XXXX, in the amount of {$200.00}, XX/XX/XXXX, in the amount of {$260.00}, XX/XX/XXXX, in the amount of {$280.00}, XX/XX/XXXX, in the amount of {$160.00}, XX/XX/XXXX, in the amount of {$440.00}, XX/XX/XXXX, in the amount of {$200.00}, XX/XX/XXXX, in the amount of {$160.00}, XX/XX/XXXX, in the amount of {$440.00}, XX/XX/XXXX, in the amount of {$370.00}, XX/XX/XXXX, in the amount of {$290.00}, and XX/XX/XXXX, in the amount of {$420.00}, totaling an amount of {$7300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Cash Apps Terms of Service, consumers are led to believe that disputes are the responsibility of their linked bank. The Electronic Fund Transfer Act generally requires that peer-to-peer platforms, including Cash App, investigate disputes of unauthorized transactions, and a company can not simply use fine print to escape these legal requirements. When it did conduct investigations, Block used intentionally shoddy investigation practices to close reports of unauthorized transactions in the companys favor.

Block also deprived Cash App users of meaningful and effective customer service and left the network vulnerable to criminals defrauding users. While Block included a telephone number on the back of its Cash Card and in its Cash App Terms of Service, for many years this telephone number did not connect consumers to customer support Ive had this problem multiple times.

Company response to consumer: Closed with explanation