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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding XXXX installment loan accounts with XXXX XXXX XXXX, both of which are marked as paid and closed. However, both accounts are still reporting late payments ( XXXX and XXXX days past due ), despite the fact that I have fully repaid both loans in full. 

Account # 1 : Opened : XX/XX/year> Late Payments Reported : XXXX days in XX/XX/year>, and XXXX days in XXXX and XX/XX/year> Account # 2 : Opened : XX/XX/year> Late Payment Reported : XXXX days in XX/XX/year> I contacted Possible Finance to request a goodwill adjustment or removal of these late marks, due to my full repayment and the fact that the accounts are now closed. I have not received a response. I also filed disputes with the credit bureaus, but the results did not correct or remove the negative items. 

These derogatory marks are negatively affecting my credit even though I acted in good faith and repaid what I owed. I am respectfully asking the CFPB to assist in having these late payment entries removed or corrected to reflect paid as agreed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding XXXX installment loan accounts with XXXX XXXX XXXX, both of which are marked as paid and closed. However, both accounts are still reporting late payments ( XXXX and XXXX  days past due ), despite the fact that I have fully repaid both loans in full. 

Account # 1 : Opened : XX/XX/year> Late Payments Reported : XXXX days in XX/XX/year>, and XXXX days in XXXX and XX/XX/year> Account # XXXX : Opened : XX/XX/year> Late Payment Reported : XXXX days in XX/XX/year> I contacted Possible Finance to request a goodwill adjustment or removal of these late marks, due to my full repayment and the fact that the accounts are now closed. I have not received a response. I also filed disputes with the credit bureaus, but the results did not correct or remove the negative items. 

These derogatory marks are negatively affecting my credit even though I acted in good faith and repaid what I owed. I am respectfully asking the CFPB to assist in having these late payment entries removed or corrected to reflect paid as agreed.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
Name-Almamy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Re-Reported Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to dispute a collection account that has been re-added to my Equifax credit report without proper validation. The account in question is listed under the name Caine & Weiner, with Account Number XXXX. 

This account was previously removed from my credit file. However, it has since been reinserted without notice or validation, which is a violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 611 ( a ) ( 5 ) ( B ), if an item is reinserted into a credit report after deletion, the consumer must be notified in writing within 5 business days. I received no such notification.

In addition, the furnisher ( Caine & Weiner ) responded to my complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, stating that they would provide verification of the debt by mail. As of today, I have not received any verification.

1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from t
he original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor Because this account has not been validated and was reinserted improperly, I respectfully request that XXXX  : Remove the collection account from my credit report immediately. 
Provide documentation showing that Caine & Weiner properly verified the account before it was reinserted. 
Confirm that XXXX  followed FCRA notification requirements. 
Attached are : A copy of my original complaint to the CFPB. 
The companys response stating verification would be mailed Please conduct a reinvestigation and remove the account until it is validated according to federal law. I appreciate your prompt attention to this matter. 

Original form complaint ID : XXXX Sincerely, XXXX XXXX

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: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied for the Citi XXXX XXXX card on XX/XX/XXXX, and was denied the same day. I immediately called XXXX reconsideration line twice and was told they could not discuss my application at all, even to verify my identity or confirm a reason. I was stonewalled from any meaningful dialogue, despite making a good-faith attempt to understand the decision. 

On XX/XX/XXXX, I received XXXX formal adverse action notice, which stated the following as reasons for denial : " Length of time accounts have been established, Too many recently opened accounts, and ; XXXX few bank revolving accounts. 

It also listed score impact factors from Experian, including : Too many inquiries in the last 12 months, XXXX many accounts with balances, and ; Proportion of loan balance to loan amounts is too high. 

These statements were factually inaccurate and misleading. At the time of application I had only one hard inquiry on my credit report, my total credit utilization was 6 %, I had only two accounts in my name both in excellent standing, I had a perfect payment history on all accounts, and my auto loan opened in XX/XX/XXXX was in good standing. 

Citis use of phrases like too many inquiries and too many accounts with balances mischaracterized my credit report and failed to meet the accuracy standards under FCRA 615 ( a ). Likewise, the vague reasoning of too few bank revolving accounts offers no meaningful transparency.

Critically, Citi 's Executive Response Unit responded to my complaints by providing a different set of denial reasons, omitting the too few bank revolving accounts justification WITHOUT issuing a corrected adverse action notice. This is a DIRECT VIOLATION of XXXX XXXX XXXX ( XXXX XXXX XXXX ( b ) ( XXXX ) ), which requires that creditors clearly state the principal reasons actually relied upon and issue corrected notices if those reasons change. Citi claims to have reconsidered my application, but the reasoning they provided is inconsistent, inaccurate, and unsupported by my credit report. They have refused to acknowledge or correct these issues, and have left a hard inquiry on my credit file as a result. 

The denial appears to have been based on template logic, not an individualized review of my actual credit profile. This undermines the purpose of both the XXXX and FCRA, and leaves me with no remedy unless regulatory authorities intervene. 

I am naming CITI CARDS CBNA in this complaint because they appear on the hard inquiry on my Experian report and processed the application. I am also naming CITIBANK , N.A . because they issued the adverse action notice and responded to my XXXX XXXX XXXX inquiries, and are responsible for XXXX compliance.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reporting XXXX XXXX for failing to properly investigate and respond to my identity theft claim. I received a letter dated XX/XX/year>, stating that no fraud was found on an account I had flagged as unauthorized. However, I have already completed and submitted a valid FTC Identity Theft Affidavit and was told over the phone that someone from XXXX  XXXX would contact me with an email or secure method to submit my documents. That never happened. 

Despite multiple attempts to follow up, I have received no communication from XXXX XXXX and have now received the same denial letter twice. This is unacceptable and is preventing me from resolving fraudulent activity that is affecting my credit. I am requesting immediate attention to this matter, acknowledgment of my submitted identity theft documentation, and full removal of the fraudulent account.

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: MS

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX * * * * * * * * * * Balance Owed : {$420.00} Date Opened : XX/XX/XXXX Payment Status : Current Late Days : XX/XX/XXXX XXXX OF XXXX XXXX * * * * * * * * Balance Owed : {$23000.00} Date Opened : XX/XX/XXXX Payment Status : Late XXXX  Days

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: 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 XXXX XXXX XXXX. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXXXXXX XXXX  - XXXX XXXX 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 non-monetary relief
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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Additionally, any information determined to have resulted from a data breach must be deleted or blocked within four ( 4 ) business days of your receipt of this letter. If verification can not be completed, federal law requires the immediate removal of the item from my credit report.

I have submitted a sworn affidavit confirming that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Therefore, I formally request that you take immediate action to delete or block the disputed items to prevent further escalation. If you fail to verify the item as required under the FCRA and continue
reporting it, I will be left with no choice but to pursue legal remedies. This includes seeking actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. For your reference, a copy of the applicable statute is enclosed.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00} Date Opened : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} Date Opened : 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 non-monetary relief
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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I made a complaint against a firm loan services for some negative reporting of an alleged account that they were reporting on my credit report. They responded to the complaint by claiming that they verified the information and that I am liable for the accounts and that they are not removing the accounts. However, they violated fcra by taking more than 30 days to investigate and respond to the request. Furthermore, According to their own response to my complaint, this company stated the following : " Loan XXXX processed on XX/XX/XXXX, for a purchase with the merchant, XXXX, in the amount of {$240.00}. This loan has terms of 34.39 % Annual Percentage Rate ( APR ) and 12 monthly payments of {$24.00} due on the 1st of each month. The payment due on XX/XX/XXXX became over 30 days past due and was reported to Experian accordingly. The loan was paid off on XX/XX/XXXX. '' According to their statement, this alleged account was processed in XXXX of XXXX, and became delinquent in XXXX of XXXX. However, according to credit reporting from experian, equifax, and transunion there was never any reporting of this account on my credit report up until XXXX of XXXX after the alleged account purportedly became delinquent. As the company stated in their own response message that they have an obligation to report accurately on a monthly basis. If the account was established in XX/XX/XXXX and not reported at all whether positive or negative in standing until XX/XX/XXXX, then they have violated the fcra rules by not reporting the account details for the month of XXXX, XXXX, XXXX, XXXX, XXXX, and continuing into XXXX and not reporting in XXXX, XXXX, until XXXX of XXXX .. As they stated in their own response, they have an obligation to report. They did not report. That there is a violation of their obligation. Please remove this account and any negative reporting immediately or I will have to have my attorney get involved, and will be seeking legal fees and monetary compensatory damages..

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America checking account in the amount of {$5000.00} I received a text alert that the large charge had been made and was declined. Due to the prolonged financial hardship, emotional distress, and deceptive treatment | have endured throughout this process, I am formally requesting compensatory damages in the amount of XXXX XXXXunder the CFPB authority to provide consumer relief for UDAAP violations. 4. I am also requesting that the CFPB refer this case to the XXXX XXXX XXXX for further investigation into whether Bank of America is engaging in systemic deceptive practices to avoid reimbursing customers in fraud claims. 
Supporting Evidence : Denial letter received via email Previous denial letters from Bank of America Detailed dispute documentation previously submitted to Bank of America Confirmation of address update submitted to Bank of Americas Risk Department Final Statement : I believe Bank of Americas actions in this case are not only deceptive but outright predatory and I am requesting that the CFPB investigate this matter to the fullest extent of the law. I respectfully request that this case be referred for UDAAP violations and compensatory.

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