vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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 a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my MULTIPLE submissions over the course of five years, XXXX consistently responds within an unreasonable 24 hours stating the account is accurate, without providing ANY evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the necessary proof of investigation. 

The accounts I REQUEST BE REMOVED are as follows : -Account XXXX, an illegal Collection not belonging to me ( Reported a total of TEN times since 2019 that XXXX unethically " investigates '' each time ) -Inquiry from XXXX XXXX XXXX XXXX -Inquiry from XXXX XXXX  XXXXEmployer XXXX XXXX -Invalid Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXInvalid Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX -Invalid XXXX  XXXX Personal loan -Account 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 2025-01-25 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 a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my MULTIPLE submissions over the course of five years, XXXX consistently responds within an unreasonable 24 hours stating the account is accurate, without providing ANY evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the necessary proof of investigation. 

The accounts I REQUEST BE REMOVED are as follows : -Account XXXX, an illegal Collection not belonging to me ( Reported a total of TEN times since 2019 that XXXX unethically " investigates '' each time ) -Inquiry from XXXX XXXX XXXX XXXX  -Inquiry from XXXX XXXX  XXXX XXXX XXXX -Invalid Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX -Invalid Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX -Invalid XXXX XXXX XXXX XXXX -Account XXXX XXXX XXXX XXXXAccount XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: DC

Complaint narrative:
I am writing to file a formal complaint against Equifax for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, in addressing disputes regarding inaccurate information on my credit report. Equifax snegligence has directly impacted my financial well-being and access to essential opportunities, including credit, employment, and housing. 
I was also exposed to the XXXX Equifax Data Breach. 
I have submitted a dispute to Equifax regarding inaccurate or false information on my credit report. The disputed items include XXXX. XXXX  XXXX XXXX XXXX XXXX has a balance of {$610000.00} but also a high balance of {$550000.00} However it was discharged on XX/XX/XXXX and currently has a {$0.00} Balance. 
Extra ACCT XXXX has a past due reporting dates of 30,60, and 120 days in XXXX. It was never late and the high balance of {$62.00} is incorrect XXXX XXXX  XXXX : XXXX refuses to provide a debt release by the original creditor. This violates FCRA XXXX XXXX : XXXX, XXXX, XXXX XXXX ( b ) ; XXXX XXXX XXXX  XXXX XXXX  : XXXX It is being reported as a Charge off. That is incorrect. The account has been paid in full since was closed on XX/XX/XXXX Despite my efforts to provide detailed explanations and supporting documentation, Equifax failed to fulfill its responsibilities under the FCRA, including : XXXX. Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i ( a ) ( XXXX ), XXXX is required to investigate disputes within 30 days. However, XXXX failed to conduct a proper investigation, which is a violation of this provision. 
XXXX. Failure to Notify Consumers of Investigation Results : According to 15 U.S.C. 1681i ( a ) ( 6 ), XXXX must notify consumers of the results of their investigation within five business days of its completion. I did not receive adequate communication regarding the status or results of my dispute. 
XXXX. Failure to Correct or Delete Inaccurate Information : As mandated by 15 U.S.C. 1681i ( a ) ( 5 ), when information is found to be inaccurate, incomplete, or unverifiable, XXXX must promptly delete or correct it. The disputed items remain on my report despite clear evidence demonstrating their inaccuracy. This has caused me denial of credit, higher interest rates, loss of job opportunities, and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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 filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds with 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore I am requesting XXXX to show necessary proof of investigation.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of Equifax 's failure to properly manage my credit information, which severely impacted my financial stability. Despite submitting disputes regarding inaccuracies on my credit report, Equifax did not conduct a thorough investigation into these claims. This lack of diligence meant that critical issues remained unaddressed, causing significant stress and confusion. 

Furthermore, when I attempted to safeguard my financial identity by requesting a security freeze and an identity theft notice on my account, Equifax failed to implement these protective measures. This oversight left my personal information exposed, making me vulnerable to further identity theft and fraud. 

My experience was compounded by Equifaxs consistent failure to update and correct the inaccurate information on my credit report. A particularly glaring error was the listing of a mortgage service provider with a transfer date recorded as 1896, a clear indication of negligence. Such inaccuracies can have severe consequences on my creditworthiness, affecting my ability to secure loans or credit at favorable terms. 

To add to my frustrations, Equifax has not provided adequate support or fraud services for victims of identity theft. This lack of assistance left me feeling abandoned and overwhelmed as I navigated the aftermath of these issues, without the necessary resources to recover my stolen identity or rectify the misinformation on my report. The ongoing inaccuracies and the absence of effective remedies from Equifax have created significant barriers to my financial well-being and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: AR

Complaint narrative:
I am a XXXXXXXX XXXX and they told me for a week my direct deposit would be in my account and it's not and they told me to be there tomorrow such and such time and I was told to be there on the XXXX and it's not now they're telling me it's the XXXX bam I need the money my truck got hit I'm walking no vehicle no food and they're telling me it'll be there on Monday the XXXX which I usually get paid on the XXXX and then I had some one tell me cuz I'm getting a temporary refund that it would be here on the XXXX and then I called on the XXXX about the XXXX and they're telling me Monday now I have been lied to by these people I'm tired of it I've been with them for five years and something needs to be done because I'm not the only veteran and XXXX Arkansas it has been lied to so I need to file a complaint and I'd like to have my money but they're not going to do it on the weekend if they don't have people that know what they're doing they need to farm fire them so I'm stuck with no food no vehicle because I've been lied to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Date XX/XX/year> I was trying to deposit a check into my account which I had for over 28 years. The check was from chase bank going into another chase account, the amount was XXXX and was told that I couldnt cash it or deposit XXXX and withdraw XXXX. 
I am from the XXXX XXXX and been discriminated against before with same establishment before. 
Manager and 2 tellers that helped me were completely XXXX They lied to me and said they couldnt access the account on the check. 
I asked them to cash the check and forget that I am also use chase, they said its too late because I filled out a deposit slip already. 
As soon as I left the branch I called the XXXX number and asked if I can go back and reverse the deposit and get the check back and ask the issuer for a different method of payment credit card or even a cashier check I was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C, S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Below are the accounts that are marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
I have learned that my credit report contains some incorrect information. I am requesting that the three bureaus remove this incorrect information. Such misinformation damages my credibility. If the three bureaus do not take action, I am prepared to file a case against them

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 2025-01-25 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: NC

Complaint narrative:
I have learned that my credit report contains some incorrect information. I am requesting that the three bureaus remove this incorrect information. Such misinformation damages my credibility. If the three bureaus do not take action, I am prepared to file a case against them

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to dispute inaccurate information that appears on my credit report. The items in question are [ describe the inaccurate account and collection ]. These items are inaccurate and do not reflect my actual credit history. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccuracies be investigated and corrected as soon as possible. The FCRA requires consumer reporting agencies to ensure that consumer reports are accurate and to conduct thorough investigations of disputed information. Furthermore, it mandates that consumer reporting agencies follow specific procedures before reinserting previously deleted information into consumer reports. 

According to the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to conduct faulty investigations that fail to address consumer disputes properly. It has been reported that XXXX uses flawed intake procedures and does not convey all relevant information to the original furnishers. Additionally, XXXX has been known to reinsert inaccurate information without matching it with records of previously deleted information. 

Therefore, I am providing the necessary documentation to support my dispute, including [ list of supporting documents ]. I expect XXXX to conduct a proper investigation and provide me with the results. 

If these inaccuracies are not promptly corrected, I will consider taking further action, including filing a complaint with the CFPB and seeking legal advice. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block information from my credit report within four business days, pursuant to section605C of the Fair Credit Reporting Act. I am A victim of XXXXXXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
From XXXXXXXX XXXX XXXX  my credit report consistently reported information about my accounts that I was not responsible for. I have tried many times with XXXX, XXXX, and Transunion throughout the years. Telling them that the credit card accounts were not mine. Eventually, I was sue by these debt collectors in lawsuits. I had 4 lawsuits by the end of next year against me for something that I have been trying to fight. One lawsuit is stressful enough for one person, imagine 4 lawsuits at the same time from these predatory lenders and debt collectors. I had to file for bankruptcy from all the pressure of the lawsuits. All three of these credit reporting companies did not do anything before I was sued. They let all these debt collectors was able to have access to my personal information and these credit reporting companies had data compromised.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I was working as a XXXX with a partner who began to do bad deals and I walked away from him and that journey on XX/XX/scrub>XXXX XXXX XXXX  I asked for the money I was promised to receive for my work but was never given, so therefore I had to miss my payment of {$460.00} to XXXX XXXX XXXX. I called XXXX XXXX XXXX but I couldnt get an extension, I also called the 3 credit bureaus to remove that late payment on my credit report but I was denied and some times I heard nothing back from Experian, XXXX, XXXX, and 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 2025-01-25 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: MI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that Ive marked as inaccurate XXXX 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 2025-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TN

Complaint narrative:
WRITTEN LETTER I SENT TO THE CREDITOR NO ONE RESPONDED Subject : Request for Investigation and Removal of Inaccurate/Unverified Student Loan Information from Consumer Report To Whom It May Concern : I am writing to formally request the removal of inaccurate or unverifiable student loan information from my consumer report pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ). Upon reviewing my credit report, I identified student loan accounts that I believe are inaccurate, outdated, or unverifiable according to the standards set forth under the FCRA.

Legal Basis for My Request Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to maintain accurate and complete information. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies investigate disputed information within 30 days and delete unverifiable information.

Further, 15 U.S. Code 1681c ( a ) outlines limitations on the reporting of certain information, including outdated accounts, while 15 U.S. Code 1681s-2 ( a ) prohibits furnishers of information from reporting inaccurate data. Based on these provisions, the continued reporting of inaccurate or unverified student loan data violates my rights under federal law. 



Details of Disputed Accounts {$17000.00} SLOAN/NELN XXXX DATE OPEN XXXX XXXX ALSO HAS IT REPORTING MORE THAN ONCE XXXX XXXX XXXX XXXX XXXX XXXX Actions Requested I am requesting the CFPB to initiate an investigation into the reporting of these student loans by the consumer reporting agencies and/or furnishers of information. Specifically, I ask that : XXXX. The consumer reporting agencies ( e.g., XXXX, XXXX, and XXXX ) be directed to provide verification of the student loan accounts within the legal timeframe. 

XXXX. Any unverifiable or inaccurate information be permanently removed from my consumer report. 

XXXX. Furnishers of information comply with their obligations under the FCRA to ensure the accuracy of data being reported. 



Supporting Documentation I appreciate your attention to this matter and trust that you will uphold the consumer protections guaranteed under the FCRA. Please provide a written response detailing the results of your investigation and any actions taken to address my concerns. 



Thank you for your assistance. I look forward to resolving this issue promptly.

Company response to consumer: Closed with explanation