vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ). Despite a formal dispute, Experian continues to report inaccurate late payments and unauthorized credit inquiries on my credit report. These items were not verified with proper documentation, as required by law, and remain unresolved. 

Under FCRA Section 611 ( 15 U.S.C. 1681i ), Experian is obligated to conduct a reasonable reinvestigation of any disputed items. Under Section 609, they must provide full documentation to validate the accuracy of any information reported. No such evidence has been provided in this case. 

Disputed Late Payments XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Inaccurate late payments Requested Resolution : Remove all negative payment history. Do not close the accountonly correct the reporting. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Inaccurate late payments Requested Resolution : Remove all negative payment history. Do not close the accountonly correct the reporting. 

Disputed Inquiries ( No Permissible Purpose ) The following hard inquiries were made without signed authorization and lack documentation to justify a permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ) : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX These inquiries must be removed immediately unless Experian can produce legally valid documentation showing my express consent or permissible purpose. 

FCRA Violations by Experian 611 : Failure to perform a lawful and independent reinvestigation of disputed items.

609 : Failure to provide verification documents used to support disputed data.

623 : Continued reporting of information from furnishers without ensuring accuracy or completeness.

604 : Reporting unauthorized credit inquiries without evidence of permissible purpose. 

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : A credit bureau must independently verify disputes, not rely solely on the furnisher. 

XXXX v. Experian ( XXXX ) : Failure to correct false information was found to be negligent and actionable. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) : Confirmed that minor inaccurate derogatory reporting can result in financial and emotional damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against Cash app ( Block inc ) Due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: DC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-05-06 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called them multiple times to get an explanation on how the new ARM rate would be calculated. I was given multiple answers and mislead several times. Today i talked to them for over two hours and finally found out that the rate calculation was NOT done on XX/XX/XXXX when the new rate becomes effective but it was actually calculated back on XX/XX/XXXX. None of their notices mentioned the date or the index rate. Now those rates are held my the XXXX in XXXX and told me to look it up on the internet myself. A manager finally gave me a website to go to, however, that site requires you to sign up with XXXX to get historical rates and informs you that they can start marketing to you and so on. The only way around it is to have a commercial license with them. I'm a single retired individual and I just want my bank to give me the data they used to calculate my new mortgage rate so that i can personally verify it was done correctly.

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 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/year>, I called JCPenney ( Synchrony Bank ) to settle a debt. I was placed on hold for over 15 minutes during the call, and the call was eventually disconnected with no further follow-up from their side. On XX/XX/year>, I called again and successfully negotiated a settlement payment of {$500.00}. I requested a written letter or email confirming that the payment would settle the debt in full. 

The representative I spoke with, named XXXX, initially stated that the letter could be provided. I made it clear that I would file a complaint if they failed to send this documentation. XXXX reassured me that it would be taken care of, so I proceeded with the payment. The confirmation number for the transaction reference XXXX XXXX 

However, after the payment was processed, XXXX informed me that the letter would not be sent immediately as promised, and instead, I would have to wait 21 days for the letter to arrive. This directly contradicted what I was told before I paid. The sudden change in their response after receiving payment feels misleading and dishonest. I believe I was given false or deceptive information to convince me to complete the payment.

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 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
We closed on a house for a purchase price of XXXX, mortgage amount of XXXX on XX/XX/XXXX using Guaranteed Rate and XXXX title in XXXX IL. The closer was XXXX XXXX XXXX. At closing the seller did not have transfer stamps from the municipality. We asked if we should pause and come back and the closer told us this happens some times and they would come the following week. The closer held back 5K and funded the rest of the transaction. The following week we learned the XXXX denied the stamps due to violations and unpermitted construction. We have not been able to record a deed or get title to the property. We asked immediately to rewind the transaction. Rate said there was nothing they could do to help. XXXX said the seller was open to it, however we never got a response from XXXX on a pathway to do this. Its 60 days from closing and we are paying the Mortgage. We can not live in the property. It will likely take more months before this situation with the municipality and the seller can be resolved. We have asked Rate multiple times of our title policy which they did not provide. We asked XXXX for the same. They finally gave it to us the week of XX/XX/XXXX, however they have not begun to process our title claim. XXXX sold our loan to XXXX Bank despite there being no legitimate title. We created complaint with XXXX, they did nothing. XXXX sold our mortgage to XXXX XXXX. We created a complaint at XXXX XXXX who told us they can do anything with a loan origination issue since they only service the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Received escrow shortage letter dated XXXX. Paid shortage of {$600.00}, and they received on XX/XX/year>. Emailed and sent letter in the mail to freedom mortgage on XX/XX/XXXX, and XX/XX/year>. No resposnse, and the money for the shortage was not applied to my escrow account, as of today. I wish Freedom mortgage would sell my loan to another company as there seems to always be a problem with them managing my loan.

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/year>, I sent an email to American Express requesting information on a specific account about whether I was charged a late / returned payment fee, and whether I need to pay more. 

On XX/XX/year> at approximately XXXX PT, I received a call back from American Express XXXX 

In this call, the representative initially indicated that on my account, because a payment had been returned, I would need to submit payment again. This seemed strange, so I asked further questions. After I asked several questions, the representative seemed to give a response that was contrary to their initial response. When I asked the representative about the apparent discrepancy, they seemed defensive and said that they had not made an error. 

The purpose of this complaint is to determine whether the representative at any point during this call made a false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Received two different savings account statements from Marcus by Goldman Sachs. I called to cancel but said that I had to provide my address to close the accounts. I asked them why and was told they couldn't access my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am filing this complaint regarding an inaccurate late payment reported by Macys/CBNA on my credit report. The account number beginning in XXXX and was opened on XX/XX/XXXX. According to XXXX I was reported 30 days late in XX/XX/XXXX however, this is incorrect. XXXX XXXX XXXX both show the account as current with no late payments. 

This inconsistency across the credit bureaus is a clear violation of the Fair Credit Reporting Act ( FCRA ). I take my financial responsibilities seriously and believe this reporting error has caused undue damage to my credit profile. 

I disputed the late payment and asked Macys to provide documentation showing when I was allegedly late. They have not provided any proof of a missed or late payment, nor have they removed the negative reporting from Experian. If Macys can not verify this late payment with actual records ( payment history, statements, etc. ), they are required by law to delete it. 

FCRA Violations : 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy : Credit furnishers must report only accurate and verifiable information. Reporting different information to different bureaus violates this standard and results in a misleading credit history.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information : Macys/CBNA is continuing to report a late payment they can not verify, making them liable for furnishing inaccurate data. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Reinvestigate Disputed Information : Macys failed to conduct a proper reinvestigation after I disputed the late payment. If they can not confirm the accuracy of the information, the law requires it be deleted.

15 U.S.C. 1681s-2 ( b ) ( 1 ) Furnishers Duty After Notice of Dispute : Upon being notified of a dispute by a credit reporting agency , Macys was obligated to review all relevant information, investigate the claim thoroughly, and correct or delete any unverifiable data. They have failed to do 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-05-06 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-06 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: LEXISNEXIS
State: TX

Complaint narrative:
I have request my LexisNexis consumer report, however LexisNexis refuses to provide this information. 

I filled out a request for my report online twice. I provided my name, address, phone number, social security number, and drivers license number. 

On XX/XX/year>, Lexis Nexis sent me a letter, stating they could not authenticate my identity and want me to resubmit my request. However this is an endless loop of Lexis Nexis not providing the report as requested and sending me another letter saying they could not authenticate my identity. 

The letter provided by Lexis Nexis states that providing Full Name, Current Address, Current Phone, Full Social Security Number, and Full Date of Birth, can assist in authentication of your identity. 

The letter provided states that legible copies of documents MAY be needed to authenticate your identity, but states " However, this additional documentation is NOT required for a consumer to request their file '' I am attempting to request a copy of my file. All identifying information was provided in my request. The letter states, legible copies of documents are not required for a consumer to request their file. 

Lexis Nexis is preventing me from gaining access to my information violating the Fair Credit Reporting Act. A consumer should not have to jump through endless cycles and hoops to gain access to their own information.

Company response to consumer: Closed with explanation