vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX 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 any 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 of 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened an account with truist bank back in XX/XX/XXXX of last year, I received a check from my grandmothers estate in XXXX of XXXX. I deposited the check in XXXX, funds still have not been released as of XX/XX/XXXX. Ive called the bank on multiple occasions and have been told they would call back and nobody has ever did. Still no update on why Im not able to close the account and receive my funds.

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 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I CALLED SYNCB/CARECREDIT AND ASKED TO SPEAK TO SOMEONE IN CHARGE TO GET INACCURATE DISPUTED/ REMOVED FROM MY CREDIT REPORT AND THEY KEPT TRANSFERING ME FROM XXXX, XXXX, XXXX AND STILL GOT NO HELP WHAT SO EVER. I HAVE DISPUTED THIS 3 TIMES AND HAVE THEY DELETED THIS OF 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 2025-01-22 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: KS

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against TransUnion for FCRA 30-Day Violation Dear CFPB Representative, I am filing this complaint because TransUnion has completely disregarded their legal obligation to handle my credit disputes under the Fair Credit Reporting Act ( FCRA ). Ive been fighting with them for months, and they still havent fixed the inaccuracies on my credit report. Theyve exceeded the 30-day timeline required by law and continue to send me XXXX excuses instead of actual results. 

Since XX/XX/XXXX, Ive submitted multiple disputes, providing detailed explanations, copies of my ID, utility bills, and every piece of evidence they could possibly need. Instead of doing their job, TransUnion sends me generic-ass letters claiming my disputes are unauthorized or invalid. Thats total XXXX. 

Heres the deal : The FCRA requires them to investigate disputes and provide written results within 30 days. TransUnion has not only ignored this timeline but has also refused to take my concerns seriously. Their negligence has caused me financial harm, including denied credit applications and higher costs on existing obligations. 

The specific violations I am reporting include : 1. Failure to Investigate : TransUnion has not conducted a proper investigation into my disputes. Theyve simply ignored my evidence and relied on lazy-ass automated responses.

2. Exceeding the 30-Day Timeline : Its been over three months since I began disputing inaccuracies, which clearly violates the FCRA.

3. Failure to Provide Verification : Theyve allowed inaccurate and unverifiable accounts to remain on my credit report without proving their accuracy.

Im attaching correspondence from TransUnion, including their dismissive responses dated XX/XX/XXXX and XX/XX/XXXX, as proof of their negligence. Ive had enough of this nonsense, and I demand action. 

I am requesting the CFPB to : 1. Investigate why TransUnion has failed to resolve my disputes within the required 30-day timeframe.

2. Ensure the immediate removal of all inaccurate and unverifiable information from my credit report.

3. Hold TransUnion accountable for their continued violations of the FCRA. 

Its time for TransUnion to be held accountable for their XXXX. I trust the CFPB will take this complaint seriously and force them to comply with federal law. Please let me know if you need additional information or documentation to support this case. 

Sincerely, XXXX XXXX XXXX Attachments : TransUnion Correspondence ( XX/XX/XXXX, XX/XX/XXXX ) Dispute Letters and Supporting Evidence Proof of Identity and Address

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 2025-01-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio recovery XXXX XXXX XXXX
I dont owe third party

Hard injury. Not me
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CO

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

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 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 2025-01-22 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: CO

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX 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 any 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 of 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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XX/XX/XXXX a duplicate credit card charge for the amount of {$1100.00} was made to my XXXX XXXX XXXX  account ending XXXX by FNBO ( First National Bank of Omaha ) credit card company for my card ending in XXXX. I have called them the same day, they admitted an error on their behalf and I was promised that within XXXX days my business bank account will be refunded. 
On XX/XX/XXXX I called again to follow-up and was told that it will take an additional XXXX business days to get refunded for the duplicate charge. This is causing financial strain on my business cash flow.

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 2025-01-22 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: GA

Complaint narrative:
Request for Full Investigation and Verification of Credit Report Discrepancies ( YES THIS IS INDEED THE REAL XXXX XXXX ) I am writing to formally request a thorough and complete investigation into discrepancies on my credit report that I have raised multiple times in the past. Since my identity was stolen in 2012, unauthorized accounts, collections, late payments, and inquiries have appeared on my profile. Despite numerous attempts over the years to have these items properly investigated, the issues remain unresolved. 

XXXX years ago, my credit report directly impacted my ability to secure a career opportunity, and I am still dealing with the consequences of these errors. Despite providing police reports, FTC reports, and evidence from XXXX XXXX, which confirm that my personal informationincluding my driver 's license and Social Security numberhas been involved in multiple data breaches ( such as XXXX, XXXX, Equifax, and XXXX XXXX  ), the disputed accounts remain on my credit report. 

I have repeatedly requested documentation verifying how these accounts were authenticated, including proof that my identity, signature, and authorization were used to open the accounts. Unfortunately, I have only received vague responses stating that the accounts were " verified '' and " accurate '' without any supporting documentation or evidence. 

This lack of proper investigation is not only frustrating but also a violation of my rights under the law. I am being unfairly held accountable for fraudulent accounts and inquiries that I did not authorize. As a result, I have been unfairly restricted from obtaining a new car, home, and, most importantly, a job at a credit union that I was offered and truly wanted. 

I respectfully request that you conduct a thorough, detailed investigation into the following accounts, inquiries, and past-due payments on my credit report that I have no knowledge of or authorization for. I require full verification and evidence of your investigation, including how these accounts were verified and authenticated. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- showing closed like it should on Equifax but others not Accounts are being taken off and placed back on my credit profile without any explanation Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. I look forward to receiving your response and the necessary documentation to resolve this issue. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
This is in direct response to the ineffectiveness of the Investigation of the credit reporting agencies. My name is XXXX XXXX XXXX and this is not a third party. At this moment I would have to demand all attached accounts be removed immediately. I have given them well over 60 days to investigate this matter and they have not done an accurate investigation. I have attached all those accounts in question with proof. 
Please review.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint regarding a delayed payroll payment that was due to me on XX/XX/year>, in the amount of {$1300.00}. Due to an ongoing issue with Capital One Bank, which my employer uses for payroll, I was informed that the deposit would be available on the evening of XX/XX/year>. However, as of today, XX/XX/year>, at XXXXXXXX XXXX XXXX, I have still not received my paycheck. 

I have been told that the payroll was submitted to Capital One last week and that Capital One subsequently sent it to the Federal Reserve for ACH processing. Despite this, I have contacted both of my bank accounts, and neither shows any record of an ACH deposit coming from Capital One.

While I understand that system issues can occur, I believe this situation violates the Electronic Funds Transfer Act ( EFTA ), which mandates timely access to funds. This delay has caused significant hardship, and I request a full investigation into this matter. 

Thank you for your attention to this issue. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I XXXX XXXX XXXX XXXX XXXX  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 2025-01-22 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase and XXXX XXXX with constant overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXXXXXX 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 2025-01-22 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: PR

Complaint narrative:
accordance with the fair credit reporting act account XXXX XXXX XXXX has violate my rights 15 u.s 1681 secction 602 a.states i hace the rights to privacy 15 u.s.c 1681 section 2 : it also States a costumer reporting agency can not furnisha account whiout my written instruccions.

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 2025-01-22 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: PR

Complaint narrative:
accordance with the fair credit reporting act account XXXX XXXX XXXX  has violate my rights 15 u.s 1681 secction 602 a.states i hace the rights to privacy 15 u.s.c 1681 section 2 : it also States a costumer reporting agency can not furnisha account whiout my written instruccions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PR

Complaint narrative:
accordance with the fair credit reporting act account XXXX XXXX XXXX  has violate my rights 15 u.s 1681 secction 602 a.states i hace the rights to privacy 15 u.s.c 1681 section 2 : it also States a costumer reporting agency can not furnisha account whiout my written instruccions.

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