vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: 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 15 USC 1681. Account name : XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX listed on Equifax, Experian, and TransUnion Account Name : XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Listed on TransUnion, Equifax and Experian. Account name : Contract Callers Account Number : XXXX Account Opened : XX/XX/XXXX Listed on TransUnion, Equifax and Experian, Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Account opened : XX/XX/XXXX Listed on Equifax, Experian, and TransUnion, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 if 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. I am requesting to have these items removed off all my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: 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 15 USC 1681. Account name : XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX listed on Equifax, Experian, and TransUnion Account Name : XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Listed on TransUnion, Equifax and Experian. Account name : Contract Callers Account Number : XXXX Account Opened : XX/XX/XXXX Listed on TransUnion, Equifax and Experian, Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Account opened : XX/XX/XXXX Listed on Equifax, Experian, and TransUnion, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 if 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. I am requesting to have these items removed off all my credit reports 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 2025-04-26 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: VA

Complaint narrative:
I need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts 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 explanation
Consumer complaint received 2025-04-26 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 need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts 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 2025-04-26 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: PA

Complaint narrative:
I am submitting this complaint to TRANSUNION regarding inaccurate information on my credit report that has not been validated, certified as accurate, or physically verified. 

I have identified potentially erroneous and questionable entries on my credit file that have not been properly verified. As a consumer, I am entitled to request the immediate removal of these entries in accordance with my federal and state consumer rights. This complaint also serves as a reminder to ensure that the items reported to you adhere to the requirements outlined in FACTA Title 1, Section 151, which specifies the procedures for handling such matters. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$430.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$650.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} Date Opened : XX/XX/XXXX Open Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/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 2025-04-26 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I am filing this complaint regarding inaccurate and unfair credit reporting practices by TD Bank USA/Nordstrom regarding my account ending in XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX, I was a victim of XXXX XXXX resulting in severe financial hardship. This has been documented through my self-attestation letter. Despite notifying Nordstrom/TD Bank USA and requesting goodwill adjustment for the XXXX late payment reported in XX/XX/XXXX, my efforts have not yielded a fair resolution. 

Given the documented extenuating circumstances, I respectfully request the CFPB to intervene and assist in removing the negative reporting to allow me a fair opportunity to rebuild my financial life. 

I am available for any further information at ( XXXX ) XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened the Chase XXXX XXXX card last year. A few months ago, the company increased the annual fee on this card and added new benefits. XXXX of the benefits was receiving XXXX separate {$50.00} credits for hotel stays booked on XXXX XXXX. I made XXXX separate bookings on XXXX XXXX to receive these credits on XX/XX/year>, but I only got the {$50.00} credit for XXXX of my bookings. I tried calling Chase customer service for help on XX/XX/year> and they told me to call XXXX XXXX who told me to call XXXX XXXX who told me to call Chase like I originally did. The hotel reservation was nonrefundable and I only made it through XXXX XXXX to get the advertised benefit of the {$50.00} credit. No one I called was able to help and it seems like their strategy is to keep telling me to call someone else to get help on this until I give up. I have tripled checked the terms and conditions of the hotel credit and my purchase meets all of the requirements to get the credit. Why are they falsely advertising benefits but making it impossible for consumers to receive these benefits?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Remove outdated closed loan accounts under early exclusion policy per FCRA 605 ( a ) ( 5 ).

I am requesting an investigation and correction concerning several outdated Dept of EDXXXX XXXX XXXX accounts that are still appearing on my credit report. These accounts are closed but still appear with " ND - no data '' and potential negative information. 

The loans in question originated around XXXX or earlier, and according to the Fair Credit Reporting Act ( FCRA ), most negative information should only remain for 7 years from the date of first delinquency. 

Because these loans are now approaching or past 6 years, I am requesting early exclusion ( early removal ) to prevent continued damage to my credit profile. This is consistent with standard practice for TransUnion and Experian under FCRA guidelines. 

Accounts to be Reviewed for Early Exclusion : Dept of EDXXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late ) Dept of ED/XXXX  Account # XXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late ) Dept of ED/XXXX  Account # XXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late ) Dept of ED/XXXX  Account # XXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late ) Dept of ED/XXXX  Account # XXXX ( Opened XX/XX/XXXX Balance Closed Paid, Closed/Never Late )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX 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 2025-04-26 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:
Today, when I checked my credit report, I found several errors that I can't explain. Normally, my reports are accurate, but this time there were sudden inconsistencies. I attempted to refresh the page, assuming it might be a temporary issue, but the false accounts were still there. Because of this, I kindly ask that the documents I've provided be examined thoroughly to prevent this from happening again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
i was getting paid through there and buying stuff and paying ppl they ( cashapp ) decided to close my account for what they label activies that goes against their policies i asked what is the exact policy i broke because alot of my customers is what they use cashapp and they wouldnt tell me it seems like an automated response i had also purchased stocks and bitcoin through cashapp and i cant access that i tried reopening my acocunt and using my company information which is a registered LLC they didnt even give me a chance to open it and proceeded to send me automatically to the previoujs acct saying my account has been closed ive tried to dispute 3 differnet ocassion and no resolution. there is no live person to speak to. today i get an email saying my case was closed becauseits been 3 days since they heard back from me but they never gave me a solution just said no and there is nothing i can do to appeal or fight the decision they referenced case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: AZ

Complaint narrative:
This week XX/XX/XXXX, found my house ready to auction. I have the deed to-wit and there is no lean. Owned since 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 2025-04-26 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: Self Financial Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am respectfully requesting your assistance regarding several potential violations of the Fair Credit Reporting Act ( FCRA ) committed by multiple creditors, which have adversely impacted my credit report. 

Under 15 U.S.C. 1681, Section 602, I am entitled to the right to privacy in the handling of my personal and financial information. Furthermore, pursuant to 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing information concerning my accounts without my written authorization.

Additionally, under 15 U.S.C. 1666b, creditors are not permitted to treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, provided the payment was received by the due date and in accordance with the terms specified. 

The creditors involved in this matter are as follows : 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 

I am disputing the reporting of late payments associated with these accounts, as I believe they may have been inaccurately recorded or improperly reported in violation of my rights under federal law. 

I respectfully ask for the CFPBs assistance in investigating these concerns and ensuring that my rights as a consumer are properly upheld. I am prepared to provide any additional documentation or information necessary to assist with your review. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
my XXXX XXXX  shows me delinquent by a large sum and the lender is not explaining why. This is an urgent issue and is causing me great stress. I dont show my account delinquent at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC regarding the reporting of inaccurate and incomplete information on my credit file. Specifically, an account opened in XX/XX/XXXX and closed on XX/XX/XXXX reflects missing and incomplete details, including no reporting of last activity, terms, scheduled payments, and other important data. The high balance is reported at {$1300.00}, but the account details are insufficient and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), credit reporting agencies are obligated to maintain maximum possible accuracy and to reinvestigate disputed information. Reporting incomplete and misleading information without verifying its accuracy violates these protections.

I previously disputed this matter with Equifax, requesting either verified, complete documentation or immediate deletion per 15 U.S.C. 1681i ( a ) ( 5 ). To date, the issue has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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 REMOVE " XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report. 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 rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as federal law requires. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to investigate consumer disputes properly, 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 previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled similarly. Please review the Inaccurate Information being reported : I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESUME : NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT THEREFORE EXISTS. ( PLEASE REMOVE ALL ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ). 

PLEASE REMOVE ALL ACCOUNTS LISTED : " XXXX '' Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation clearly and comprehensively. Provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. Furthermore, I request written confirmation of the actions you take in response to the dispute. If you fail to resolve his matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe

Company response to consumer: Closed with non-monetary relief