vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I filed a dispute on { XXXX FNB OMAHA } ( XXXX, XXXX XXXX XXXX XXXX ) ( XXXX, XXXX XXXX XXXX ) due to incorrect reporting. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. XXXX violates incorrect reporting. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. XXXX violates my rights as a consumer, as well as federal laws. 

I would like all reported accounts to be removed corrected immediately!

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 2025-03-31 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:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX NY 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 2025-03-31 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: PLS GROUP, INC
State: TX

Complaint narrative:
XXXX XXXX $ unauthorized transactions dispute claim denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
In XXXX  I was an XXXX seller and paypal was the payment processor. I was selling my old collection of XXXX XXXX XXXX I had about {$3300.00} in my paypal account at the time. I forgot the exact number as paypal doesn't keep logs past 3 years, but it is not more/less than {$100.00} off from that number. Paypal limited my account and said I am not welcome to use their platform anymore, but they will release my funds in 180 days. They gave me no reason for the suspension. On day XXXX, paypal deducted the $ XXXX from my account balance and sent it to enrich themselves. I contacted them and they said they we're legally allowed to do this under their AUP - Accepted Use Policy terms of service. I contacted paypal many times to resolve this, eventually hiring a law firm last year to try to get my funds back, but the law firm dissolved. Now I am left fighting for my funds back by my lonesome. I am one of many that have gotten scammed by paypal under AUP. If you search the web there are many with the same story as me. Here are the potential legal laws they broke : Breach of Contract : By unilaterally seizing funds without valid cause or due process, PayPal has violated its own User Agreement and acted in bad faith. The Acceptable Use Policy does not grant PayPal the unrestricted right to confiscate funds without transparency or due process.

Unfair and Deceptive Practices ( UDAP ) Violations : Under 15 U.S.C. 45 ( FTC Act ) and relevant state consumer protection laws, PayPals withholding of funds without clear justification constitutes an unfair and deceptive trade practice.

Potential Violations of the Electronic Fund Transfer Act ( EFTA ) : Under 15 U.S.C. 1693 et seq., PayPals unauthorized withdrawal and retention of funds may constitute a violation of federal protections against unauthorized electronic fund transfers. 


I would like the funds that they stole/ transferred to themselves back into my account. Thank you for taking the time to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
This background screening agency is reporting a judgment that is currently being challenged in court and can not be verified under FCRA 611. I have disputed it and demand removal due to lack of certified evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies.

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued.

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a Chase Sapphire Reserve cardholder, and booked a flight on the Chase XXXX XXXX using Chase Ultimate Rewards points. I redeemed XXXX points to book a roundtrip XXXX  flight for 2 passengers. A week before traveling, I needed to cancel the flight due to personal reasons. I called Chase travel, and was informed the flight can be canceled and the points refunded for {$260.00} per passenger i.e. {$520.00} total. I agreed and provided a credit card to charge the fees. Upon checking my account after a few hours, I realized Chase charged the cancelation fee but also didn't cancel the flight. 

So Chase charged me cancelation fees, and also didn't return the points to my account. I contacted them 2 times again - I was informed that they couldn't cancel the flight because my Chase credit card is not active anymore. However they also can not refund the cancellation fee and couldn't give me a reason why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am sending this complaint to formally dispute and request the removal of certain inquiry from my credit report. This inquiry, initiated by Equifax, was made without my authorization and are negatively affecting my credit profile. I believe this inquiry were either made in error or without my consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of this inquiry. The FCRA mandates that any unauthorized or erroneous inquiry must be corrected to maintain the accuracy of consumer credit reports. To assist with your investigation and verification process, I have attached the relevant supporting documents. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc.
State: CA

Complaint narrative:
Order # XXXX or phone number XXXX to locate order. I applied for a car lease from Tesla on XX/XX/year>. Tesla ran a hard inquiry on my credit. I was APPROVED & sent loan terms, including payment amount, interest, all the details. Prior to confirming and accepting. I applied with a strong co-signer with and XXXX credit score to potentially lower the payments I was offered. My application with the co-signer was denied, so on XX/XX/year>, I contacted Tesla and accepted the initial approval w out a co-signer. I accepted the terms on the app as directed by Tesla rep. I scheduled a delivery date for the car for XX/XX/year>. I uploaded my insurance as required. Then on XX/XX/year>. My approval changed to decision pending and on XX/XX/year>XXXX  I was informed I was no longer approved, my application was denied. I was told that unless I found alternative funding I would also lose my {$250.00} deposit for the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: DE

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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 a documented victim of identity theft. I submitted a formal dispute to Equifax, including my FTC Identity Theft Report ( Report ID # XXXX ), a notarized affidavit, and documentation identifying numerous fraudulent accounts and unauthorized credit inquiries. 

Despite this, Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). The response I received from Equifax was clearly a boilerplate, auto-generated result. For example, Equifax stated : Inquiries are a factual record of file access and will remain on the credit file for two years.

This response was repeated for every disputed inquiry with no proof of reinvestigation, no verification documents, and no explanation of how the information was validated. Equifax also refused to block or remove multiple fraudulent accounts that I disputed under FCRA 605B, despite having received my identity theft documentation and proper identification.

Equifax Has a History of Similar Conduct : Equifax has previously been sued by the federal government and multiple state attorneys general for failing to conduct proper investigations and using automated dispute response systems that violate consumer rights.

For example : In XXXX, the New York Attorney General investigated Equifax for sham investigations in which consumer disputes were processed by algorithms, not people. 
In XXXX  v. Equifax, a federal court held that failure to investigate disputes can amount to a willful FCRA violation. 

My dispute experience aligns with this same pattern : automated replies, no investigation, no verification, and no removal of fraudulent data. 

FCRA Violations Committed : FCRA 605B Failure to block fraudulent accounts/inquiries after receiving identity theft documentation FCRA 611 Failure to conduct a reasonable reinvestigation of disputed information FCRA 609 No evidence or verification was provided for accounts or inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
This is one of my multiple attempts to notify credit bureau that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance {$750.00} XXXX  XXXX Balance {$110.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: GA

Complaint narrative:
They claimed to have repossessed the vehicle but the vehicle is still in my possession. The transmission in the car went out and it cost XXXX to fix so I told them to come get it and they never did. My loan amount was close to {$15000.00}. I paid XXXX a month for XXXX years every month and was late one time totaling in {$23000.00} to pay From XXXX to XXXX and still had {$14000.00} left on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 demand the swift removal of these inaccuracies from my credit report. These entries violate the Metro 2 Credit Reporting Guidelines and are severely damaging my financial standing. Under Section 623 ( a ) ( 1 ) ( A ), information furnishers must provide accurate data, and it is clear that this obligation has not been met.

Additionally, under Section 623 ( b ) ( 1 ) ( A ), you are obligated to investigate and correct any inaccuracies, and failure to comply with these requirements will result in liability under Sections 616 and 617 of the FCRA. Legal action will be pursued if these errors arent swiftly removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

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 2025-03-31 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: TX

Complaint narrative:
I am demanding the removal of this incorrect and misleading information from my credit report. It blatantly violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Under Section 604 ( a ), you are only permitted to allow access to my credit report for specific, permissible purposes. Im questioning whether this data even meets that standard.

Under Section 611 ( d ), any unverifiable information must be removed from my credit report during the reinvestigation process. I expect a thorough and immediate review of this data, and the deletion of anything you can not verify.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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