vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: LA

Complaint narrative:
Cash App has closed my account without explanation after I filed a dispute over a {$42.00} XXXX charge, and {$320.00} from a third party website. I made the purchase, but I did not receive the food, and XXXX would not refund me. I submitted a legitimate dispute through Cash App, and instead of resolving it, they froze and then closed my account this is the second time this has happened. I had already verified my identity and submitted my ID, and I did not violate any policies. I believe they are retaliating against me for disputing the charge. I want my funds returned and my account access reinstated or a full explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: GA

Complaint narrative:
Re : Demand for Immediate Deletion of Inaccurate Bankruptcy Information FCRA Violation Dear Sir/Madam, I am writing to formally demand the immediate deletion of a XXXX  XXXX bankruptcy entry that was inaccurately reported on my consumer report and to address violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by LexisNexis Risk Solutions , Inc. ( " LexisNexis '' ). 

Background : XXXX. Inaccurate Reporting and Re-Insertion : In XXXX, I successfully disputed a XXXX  XXXX bankruptcy entry that was inaccurately reported on my consumer credit reports with XXXX XXXX XXXX XXXX This dispute was resolved through the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX, resulting in the removal of the erroneous entry. 
In XXXX, the same XXXX  XXXX bankruptcy entry was re-inserted into my XXXX  credit report without prior notice, despite its prior removal and the absence of any new information justifying its re-insertion. 
XXXX. Failure to Investigate Dispute : Upon discovering the re-insertion, I promptly disputed the inaccurate information with LexisNexis, providing evidence of the prior removal and the resolution through the CFPB and XXXX. 
LexisNexis failed to conduct a reasonable investigation into my dispute, relying solely on the XXXX systema fully automated electronic platformto verify the information. This system does not ensure 100 % accuracy and lacks human oversight, leading to potential violations of the FCRA. 
Legal Violations : Re-Insertion Without Notice : Under the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 5 ), if information that was previously deleted is re-inserted into a consumer 's file, the consumer reporting agency must notify the consumer within five business days. LexisNexis violated this provision by re-inserting the bankruptcy entry without prior notice. 
Failure to Conduct Reasonable Investigation : The FCRA mandates that consumer reporting agencies conduct a reasonable investigation when a dispute is filed. LexisNexis ' reliance on the XXXX  system without human oversight constitutes a failure to meet this requirement, as automated systems can not adequately assess the nuances of individual disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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: NY

Complaint narrative:
In accordance with the fair credit reporting act SYNCB/XXXX, account # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A state I have the right to privacy. Section 2 : it also states a consumer reporting agency can not furnish an account without my writing instruction.

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 2025-05-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
PennyMac mortgage was originally requested to do a refinance. We also inquired with XXXX XXXX. After consideration due to fees and the unprofessional behavior of the PennyMac loan officer, we chose to go with XXXX XXXX. However, PennyMac already ordered an appraisal, but it was never actually done. XXXX XXXX needed the appraisal order to be transferred to them, but PennyMac has not complied after numerous requests by phone & email. According to the VA, PennyMac must transfer this to XXXX XXXX. PennyMac refuses to transfer and this is delaying our refinance of our house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX FS XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Account XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Please consider this as my formal complaint to the NORDSTROM/TD BANK USA for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO

Complaint narrative:
Im POA and successor trustee for my mother, XXXX XXXX, who has XXXX. CIT bank requested copy of trust. I faxed trust on XX/XX/year>. They have frozen her account. The contact they gave me in estate and trusts said he can not provide any information as the account is under review. They will give me no timeline as to how long this review will take. They have not asked for any additional documentation. I have no idea why the account is still frozen and they will not give me any other contacts. My mom lives in XXXX XXXX and will be evicted without access to her funds. Im legally authorized to act on her behalf and should have access to her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I previously disputed a Capital One account listed as a business credit card with a charge-off of {$1000.00}. It was marked as verified without any documents or verification method provided. 

This violates FCRA 611 ( a ) ( 7 ), which allows consumers to request how an account was verified. Since no such explanation or documentation was given, this item is not in compliance with the Fair Credit Reporting Act and should be removed from my file. 

I am requesting the CFPB to intervene and ensure compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Mortgage Agency
State: NV

Complaint narrative:
XX/XX/XXXX I called CBC Mortgage Agency ( in Utah ) why my loan, which originated in XX/XX/XXXX, is not being reported to the " big 3 '' credit reporting bureaus. Their answer is " They're a small company and choose not to. '' This feels like very unfair practices because : 1. I was required to have a certain credit score to be approved for the loan. My credit report was accessed in order to determine if I qualified for the loan at that time. 
2. I am being charged interest on the loan.

3. If at anytime I may become delinquent on this loan, that surely will be reported to the credit bureaus. 

If feels very unfair that the company benefits financially from the interest being collected yet I do not get to benefit by being financially responsible over the term of the loan ( 10 years ) because future loan agencies will never know this loan existed.

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: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple Card did not contact to me or try to solve the issue of my card not working. Ive contacted apple numerous times and their customer service line never has an option to help, they escalate it and nothing is done.. This is an ongoing issue that the company has failed to fix. The card does not activate or is able to be used in Apple Pay. Goldman Sachs closed my account without authorization, reinstated once a complaint was made and now it is being reported on my credit report as Late payment. I WILL NO LONGER MAKE PAYMENTS UNTIL MY ACCOUNT IS FIXED AND IN GOOD STANDING. THERE IS NO CUSTOMER SERVICE NO ONE IN THAT OFFICE CAN REINSTATE MY CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MA

Complaint narrative:
The personal information on my credit report were outdated.The personal information on my credit report were outdated.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc.
State: IL

Complaint narrative:
I paid off this loan on XX/XX/XXXX. My credit report has not be updated to reflect paid in full and it's been 60 days since the day I paid it off the loan. Aside from that, the last payment reported to the credit bureaus was payment I made in XXXX of XXXX. The company has not reported any of the payments I made in XXXX ( XXXX, XXXX, and XXXX ). I called the company twice, XX/XX/XXXX and XX/XX/XXXX, to complain about inaccurate information about the account showing on my credit report. I have even disputed the loan through XXXX XXXX XXXX and still the information has not been updated. On the first call to Happy Money, the representative said it can take up to 30 days for credit report to be updated and sent me this in writing via email. Today, during the call, another representative said it can take up to 90 days for credit report to be updated. I also received this via email. I told the representative, based on my compliance trainings I am required to complete since I work for a credit union, financial institutions are required to report every 30 days any payment historty or update on an account. The representative said my statement is not true and because of credit reporting errors Happy Money did customers ' accounts, they are reporting every 90 days to ensure accuracy. So basically the representative told me, because of Happy Money 's internal mistake, customers have to wait a long period for accurate credit reporting of payment history and/or paid in full status of loans. I do not feel what they are doing is correct.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have filed several disputes on late payments on my account and inaccurate accounts on my credit report. After XXXX  days I have no yet heard from the agencies when I contacted them they said it was verified and representative said they will file another dispute. Also I on their website everything is inaccurate because it has XXXX collections in XXXX bureau and when I called for them to look at my account they verified that it was only XXXX collections and if the account was deleted why wasn't I notified and my report reflect it. This is causing a lot of distress going back and forth and nothing is deleted and score either the same or decreasing. I also had an account Disputed and they turn around and added XXXX dolalrs to teh account balance

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have filed several disputes on late payments on my account and inaccurate accounts on my credit report. After XXXX  days I have no yet heard from the agencies when I contacted them they said it was verified and representative said they will file another dispute. Also I on their website everything is inaccurate because it has XXXX collections in XXXX bureau and when I called for them to look at my account they verified that it was only XXXX collections and if the account was deleted why wasn't I notified and my report reflect it. This is causing a lot of distress going back and forth and nothing is deleted and score either the same or decreasing. I also had an account Disputed and they turn around and added XXXX dolalrs to teh account balance

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 — Investigation took more than 30 days
Company: Experian Information Solutions 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 2025-05-09 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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