vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
My original request dated XX/XX/year>, in which I requested validation of the accounts currently being reported on my credit file. Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are legally required to investigate and respond to my dispute within XXXX  days of receiving the initial notice. 

To date, I have not received any written response or documentation validating these accounts, nor have you provided sufficient evidence that confirms the accuracy and ownership of the information being reported. Furthermore, the accounts in question are reporting inconsistent and conflicting information across different credit bureaus, which constitutes inaccurate and misleading reportinga direct violation of 15 U.S. Code 1681s-2. 

As outlined under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an investigation does not verify the disputed information within XXXX  days, the credit reporting agency and furnisher are required to delete or correct the information. Your failure to investigate or remove these unverifiable and inaccurate items is a breach of your obligations under federal law. 

At this point, you are in noncompliance, and I am demanding that these negative and inaccurate accounts be immediately removed from my credit report. If you fail to take corrective action within XXXX  days of receiving this notice, I will be forced to pursue legal remedies for your willful neglect and continued reporting of unverifiable information. 

This includes, but is not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Submitting a claim to the Federal Trade Commission ( FTC ) Seeking civil damages under 15 U.S. Code 1681n and 1681o, which allows for recovery of actual damages, punitive damages, and attorneys fees I expect written confirmation of your compliance and deletion of the disputed accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in addressing inaccuracies on my credit report ( s ). I have contacted the three major credit bureaus Equifax, Experian, and TransUnion regarding [ Specifically list the inaccurate item ( s ) on your credit report. I have provided documentation to support my disputes.

Despite my attempts to resolve these issues directly with the credit bureaus, I have received no response from any of the credit bureau ( s ). My initial dispute letters were sent on XX/XX/year> and I have yet to receive the required investigation results or deletion of the inaccurate information. This lack of response is causing significant harm to my credit score and my ability to secure a loan, rent an apartment, obtain favorable interest rates.

Furthermore, I am formally requesting, pursuant to 15 U.S.C. 1681i ( 7 ), a description of the reinvestigation procedures that the credit bureaus are employing to investigate my disputes. Section 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) explicitly requires that, upon request from a consumer, a consumer reporting agency must provide " a description of the procedure used to determine the accuracy and completeness of the information '' within 15 days of the request.

I am formally requesting that the CFPB investigate this matter. I believe that the credit bureaus are failing to comply with their obligations under the FCRA by : * Failing to adequately investigate my disputes.

* Failing to provide timely responses to my dispute letters.

* Failing to remove inaccurate and unverifiable information from my credit report ( s ).

* Failing to provide me with a description of their reinvestigation procedures as required under 15 U.S.C. 1681i ( 7 ).

I have attached copies of the dispute letters.

I urge the CFPB to intervene on my behalf to ensure that the credit bureaus conduct a thorough reinvestigation of my disputes and comply with the requirements of the FCRA. I look forward to hearing from you regarding the steps you will take to address this matter. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been a XXXX XXXX XXXX with Bank of America for 20 years. Recently, I fell on some hard times financially and entered into a debt relief plan with XXXX XXXX in XX/XX/XXXX. Bank of America was notified that my credit card accounts and balances were in this plan and were just pending settlement. They withdrew {$1500.00} on XX/XX/XXXX from my checking account and then another {$1500.00} on XX/XX/XXXX as an " offset payment '' to my credit card account without my consent. I'm paying over $ XXXX into the debt relief plan and to be hit with another {$1500.00} when I'm struggling financially is not acceptable. I called bank of America on 4/7 to request the money be returned. The representative I spoke with said that the money should be refunded as they were notified that I was in the plan and the money should not have been deducted. When I called today, they said the request was denied, which was not what I was told by the previous agent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-15 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: MN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: OH

Complaint narrative:
I filing this complaint against Equifax, TransUnion, and Experian for failing to properly verify certain on my credit report within the legally mandated timeframes ( XXXX XXXX XXXX XXXX XXXX ). On XX/XX/year>, submitted a request under 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), demanding physical verification of the original signed consumer agreement for specific accounts. This is the second time addressing this issue, and despite missing the 30-day timeframe, they continue to claim that the accounts are " verified '' without completing my dispute within the timeframe required by their own policies. The credit bureaus and/or creditors persist in reporting the disputed accounts as accurate, in direct violation of federal law. By failing to comply with their stated policies and procedures, particularly verifying items within the required timeframe, they have breached the FCRA and caused harm to my credit standing by refusing to correct unverified accounts. I respectfully request that the Consumer Financial Protection Bureau intervene and require the immediate removal of these unverified accounts, ensuring full compliance with FCRA regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: OK

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: MOHELA
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Final Notice Formal Complaint Against Experian for FCRA Violations ( Supplemental CFPB Case # : XXXX ) This is a formal and final submission of supplemental evidence and legal declaration in reference to my ongoing complaint against Experian. This is not a duplicate complaint. It is an extension of CFPB Case # : XXXX, supported by newly submitted documentation and a renewed demand for immediate legal compliance. 

Experian continues to report a XXXX XXXX  bankruptcy on my credit file. I have never filed for bankruptcy. Experian has failed repeatedly to produce any court-stamped documents bearing my name and signature to verify the legitimacy of this entry, which is required under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) ( A ). Despite multiple disputes, Experian has not contacted the original furnisher of the information the court of record and instead relies on unverifiable third-party sources such as XXXX or XXXX. This is a clear violation of federal law and a failure to conduct a lawful reinvestigation. 

I have now submitted my most recent Equifax credit report showing no record of any bankruptcy. This further proves that the bankruptcy reported by Experian is false and unverified. Reporting this inaccurate derogatory information is a violation of FCRA 1681e ( b ), which requires Experian to ensure the maximum possible accuracy of the data it reports. The continued publication of this false bankruptcy is causing direct harm to my creditworthiness and constitutes negligent if not willful noncompliance under FCRA 1681n and 1681o. Experian is now exposed to liability for statutory damages of up to {$1000.00} per violation, in addition to punitive damages and full legal costs. 

I am demanding the immediate and permanent deletion of this bankruptcy entry from my credit report. I am further demanding written confirmation that it has been removed and a full explanation as to why Experian has failed to provide any valid, court-stamped documentation verifying its accuracy. If this matter is not resolved in full by XX/XX/year>, I will pursue legal action against Experian for multiple FCRA violations in federal court. Experian will be held fully liable for all damages allowed under the law. 

Attached below is my original CFPB complaint against Experian, which remains open, and a copy of my most recent Equifax credit report showing no bankruptcy on file. These documents are provided as supporting evidence and must be reviewed as part of the ongoing investigation. 

I request that this communication and documentation be added to CFPB Case # : XXXX. Please confirm receipt and ensure that this update is appended to the case file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal has failed to provide the service they claim. 

On XX/XX/XXXX, I made a purchase that I canceled through their app, via email, and through the company directly. Two minutes after. Despite my efforts, they have ignored my requests. 

The company advertised a product for {$20.00}, but when I made the purchase, they charged me {$120.00}. They added a service for six months that I did not approve, and I have been unable to use it because I canceled my order. Additionally, the package was sent to the wrong address, which is concerning due to the large number of people living there.

I have tried everything possible to resolve this issue. They promised " Buyers Insurance, '' but they have changed their position and denied my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: DE

Complaint narrative:
My personal and financial data was compromised violating XXXX. Ive requested full cancellation of my student loan debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Around XXXX of XXXX and XXXX of XXXX Bank of America closed my checking account with funds still remaining in the account. I tried to contact them at the time but didnt have any account information and they wouldnt help. I was getting unemployment at the time and my cousin filed for unemployment and got a significant payment coming and had it deposited into my account without my permission because he wasnt willing to wait. After the money was deposited into my account I had withdrawn approximately XXXX and gave it to him. I was trying to withdraw the rest for him when I found out my account had been closed and my money was taken, which was about XXXX I think. I have recently discovered that I have been reported for suspected fraud which if anything I was the victim in this situation. I lost all my money and didnt know where to turn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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