vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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:
Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my right under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as XXXX by federal law. 
Recently, the Consumer Financial Protection Bureau files a lawsuit against XXXX for its failure to properly investigate consumer disputes citing, sham investigations and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previous disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
The allegations highlight systemic issues that directly undermine consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-01-28 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:
Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my right under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as XXXX by federal law. 
Recently, the Consumer Financial Protection Bureau files a lawsuit against XXXX for its failure to properly investigate consumer disputes citing, sham investigations and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previous disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
The allegations highlight systemic issues that directly undermine consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: SC

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>, I received a letter from Citi Card regarding my credit card ending in XXXX. Citi Card notified me that two payments, one on XX/XX/year>, and another on XX/XX/year>, for {$150.00} each ( totaling {$300.00} ), had been credited to another card member 's account. On XX/XX/year>, I received another letter saying that one payment of {$12000.00} had been credited to another card member. However, after reviewing my account online, I discovered that Citi Card had reversed and rebilled my account {$620.00} without explanation. I have statements from my State Employees ' Credit Union confirming that Citi Card withdrew all the payments for the mentioned months of 2024. Citi Card has been harassing another customer ( my wife, for instance ) with this type of scam, which resembles banking fraud. I want Citi Card to credit my account with {$620.00} as well as an additional {$300.00} for damages. I had to spend several hours of work time addressing this issue : making phone calls to Citi Card and my State Employees XXXX XXXX XXXX, reviewing bank statements, and writing letters to various government agencies to stop this harassment from Citi Card.

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 monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Subject : Unauthorized Contact of Third Party Regarding Debt Complaint : I am filing this complaint against Comenity Capital Bank for contacting my ex-boyfriend regarding a debt I owe. I did not provide his contact information when I signed up for the credit card, nor have I authorized the company to discuss my financial matters with him or any other third party. 

On XX/XX/year>, Comenity Capital Bank contacted my ex-boyfriend, with whom I share a child. This is a clear invasion of my privacy and an inappropriate practice. I am deeply concerned about how the company obtained his contact information, as I never disclosed it to them. 

This contact has caused me significant distress and has created unnecessary conflict between myself and my ex-boyfriend. I believe this action may violate privacy laws and potentially the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from sharing details about a debt with unauthorized third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: CT

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-01-28 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: LA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-28 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: NC

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

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 2025-01-28 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: DE

Complaint narrative:
In response to errors present in my escrow analysis dated XX/XX/XXXX, I submitted a written " notice of error '' dated XX/XX/XXXX. Several written notices were sent disputing errors within the escrow analysis within the next 2 months with no response from Fay Servicing till XX/XX/XXXX, after having requested involvement by CFPB. Since no response had been received recalculating the escrow analysis, I submitted the payment of {$1400.00}, check number XXXX ; on XX/XX/XXXX as the continued monthly payment directly to Fay Servicing customer service with yet another written notice disputing the escrow analysis. After receiving the corrected escrow analysis dated XX/XX/XXXX I submitted an additional check, # XXXX, totaling {$95.00} directly to Fay Servicing customer service as the balance for XXXX XXXX. To date Fay Servicing has not cashed either check. They have charged my account a {$59.00} late fee. I expect this late fee to be reversed. The errors resulting in this dispute were the fault of Fay Servicing. The two checks being held by Fay Servicing are expected to be deposited as the XXXX XXXX payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: VA

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XX/XX/year> filed dispute and requested documentation to verify debt, never received any then within 3 days experience dismissed within any proof of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for and was approved for a Bank of America XXXX XXXX in XX/XX/year>. As part of the application process, I provided all my personal information, including my long-term personal phone number ( XXXX ), which has an active fraud alert. Bank of America verified this number with me during the application process. 

I received the card approximately 10 days later and was able to use it without issue for in-person ( card-present ) transactions. Since I am currently serving overseas, this card seemed ideal for my needs while traveling. 

However, when I attempted to make a large online purchase using XXXX XXXX, I encountered a significant issue. Upon calling Bank of America, I was informed that they could not send me a one-time code to verify the transaction. I was advised to call through the app to resolve the matter. I followed their instructions, calling through the app, and provided all the personal information they requested. 

After completing this process, I was then informed that I would not be able to use the card until I physically visited a Bank of America financial center in the United States. This is an unreasonable requirement for someone serving overseas, as I will not be in the U.S. for several months.

As a result, the card is effectively useless to me and has become a burden. Worse yet, its mere existence has negatively impacted my credit score due to the hard inquiry from the application. This situation is both frustrating and unacceptable, particularly since none of my other credit card providers have imposed such restrictions, even for new accounts. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Bank of America rectifies this issue, as it directly impacts consumers like me who rely on their services while serving overseas. 

Thank you for your attention to this matter.

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 2025-01-28 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: IL

Complaint narrative:
Please be advised that this letter serves as my good faith effort to resolve discrepancies regarding this matter in accordance with my rights under 15 USC 1666 ( b ) and 15 USC 1692g of the Fair Credit Billing Act ( FCBA ) and the Fair Debt Collection Practices Act ( FDCPA ), respectively.

Nature of the Dispute Billing Error and Negligence ( 15 USC 1666b ) : Upon review of the account and billing details, I have identified significant inaccuracies that constitute billing errors with XXXX, XXXX, Transunion. These discrepancies indicate negligence in handling my account, which has caused undue hardship and damage to my financial standing. 

Per the FCBA ( 15 USC 1666b ), I am exercising my right to dispute these errors. I request that you investigate this matter promptly, as I was NOT provided a written clarification on the specific charges, along with evidence validating their accuracy.

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 2025-01-28 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: IL

Complaint narrative:
Please be advised that this letter serves as my good faith effort to resolve discrepancies regarding this matter in accordance with my rights under 15 USC 1666 ( b ) and 15 USC 1692g of the Fair Credit Billing Act ( FCBA ) and the Fair Debt Collection Practices Act ( FDCPA ), respectively.

Nature of the Dispute Billing Error and Negligence ( 15 USC 1666b ) : Upon review of the account and billing details, I have identified significant inaccuracies that constitute billing errors with XXXX, Equifax, XXXX. These discrepancies indicate negligence in handling my account, which has caused undue hardship and damage to my financial standing. 

Per the FCBA ( 15 USC 1666b ), I am exercising my right to dispute these errors. I request that you investigate this matter promptly, as I was NOT provided a written clarification on the specific charges, along with evidence validating their accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
I am submitting a formal complaint against Equifax for its failure to conduct a proper investigation into the inaccuracies I have disputed on my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, claiming the account information is accurate, without providing any substantive evidence of a thorough investigation. This conduct appears to violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to perform reasonable investigations into consumer disputes.

Additionally, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as demonstrated in the recent CFPB administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations . I urge the CFPB to take appropriate action to ensure Equifax complies with federal law and provides consumers with the necessary documentation and proof of a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: LendingPoint Holdings LLC
State: MA

Complaint narrative:
I took this loan out 3 years ago and i paid more than what i originally borrowed. This company is very predatorial and unprofessional. I truly am a man of honor and intended to pay off every cent.However this companies lack of professionalism and harrassment has really streesed me out mentally, emotionally and took a toll on my health physically. You keep getting different people on calls that you already explained yourself to. They take money out of your account on days that you told them not to. They give you bad information and un true about what they are reporting to your credit bureau about you. After you set up arrangements with them on certain dates, they dont honor it and they keep withdrawing money before and after that date agreed upon which puts you in more debt with different establishments and bills you owe.They harrass you with calls back to back. They also violate alot of privacy and collection Laws. Horrible experience and wouldnt advice anybody to borrow from them at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
XXXX XXXX XXXX XXXX is the account that has inaccurate information they put a repossession on my account and my car was never repossessed and the said my account was closed and it was never closed this caused my credit score to drop XXXX points over all my credit dropped XXXX points and I have disputed these facts with equifax XXXX XXXX and XXXX and they got information from XXXX XXXX XXXX that it was incorrect and they have not fixed the issue they only said they noted my account but my credit has not been restored from the loss it took due to the incorrect information that was reported

Company response to consumer: Closed with non-monetary relief