vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report, which has negatively impacted my financial standing. Under the Fair Credit Reporting Act ( FCRA ), I request a thorough and fair investigation into these inaccuracies. 
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing improper investigation practices, including : Conducting inadequate investigations that fail to properly address consumer disputes. 
Reintroducing previously disputed and inaccurate information without justification. 
Failing to effectively notify consumers of investigation results. 
These serious concerns make me question whether my dispute will be handled fairly. The errors on my credit report have significantly affected my credit score, which I worked hard to maintain above XXXX. 
Disputed Information : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX ] My Rights Under the FCRA : As required by law, I request that you : Conduct a thorough investigation into my dispute. 
Provide a clear and detailed response regarding the results of your investigation. 
Supply any documentation relied upon if the disputed information is verified as accurate. 
Promptly correct or remove any inaccurate or unverifiable information from my credit report. 
Requesting that my score be restored to its rightful level. And the hard Enquiry pulled on my account deleted immediately, I never sign any consent for that. 
If the disputed information can not be verified or remains inaccurate, I demand its immediate removal or correction. Additionally, I request written confirmation of the actions taken regarding this matter. 
Should this issue remain unresolved, I am prepared to escalate my complaint to the CFPB and other relevant agencies. I expect a response within the legally mandated 30-day timeframe. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-03-17 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: PA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion Credit Reporting Agency, I am writing to formally dispute several inaccuracies present in my credit report associated with my file. Under the Fair Credit Reporting Act ( FCRA ) and the regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to dispute inaccurate information and request a correction. 

Incorrect Address and Associated Accounts : The address XXXX XXXX XXXX, XXXX, XXXX  listed on my report is incorrect. Multiple accounts are inaccurately associated with this address, negatively impacting my credit score by XXXX points. This information should be removed in compliance with applicable laws. 

Inaccurate Charge Off : The debt reported by the XXXX  Department of Revenue as a charge-off is incorrect. This information must be verified and removed, as it does not reflect my actual payment history. 

Incorrect Payment History with XXXX  XXXX : TransUnion is reporting late payments on my XXXX  XXXX credit cards. However, I have never made a late payment on these accounts. This misinformation needs to be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has failed to report my loan with XXXX XXXX XXXX XXXX, which is present in reports from other agencies. The accurate balance of {$9900.00} was paid in full as agreed. Attached is a copy of the promissory note validating timely payments. 

XXXX XXXX XXXX Misreporting : I have consolidated my XXXX  loans with XXXX as of XXXX. However, TransUnion continues to report these loans as individual accounts. This misrepresentation must be corrected.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA
State: TX

Complaint narrative:
This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Unauthorized possession or use of " XXXX XXXX XXXX '' and any/all derivatives thereof may be a violation of State Code for Fraudulent Use or Possession of Identifying Information which is punishable by prison and fine. 
Any use of " XXXX XXXX XXXX '' and any/all derivative ( s ) thereof, with or without scienter, at the expense of any right, liberty, property, or any part of My estate, absent full disclosure and lacking written prior consent is strictly forbidden and chargeable to each of the users/issuers in the amount of the sum certain of XXXX XXXX ( {>= $1,000,000} ) dollars of legal and Lawful Silver Dollar Coin of the United States, convertible at the legal and lawful ratio of 24:1 to Federal Reserve Note Dollars as prescribed by law and is not limited by any past, present, or future restriction for each instance of said unauthorized use. 
Placement of " XXXX XXXX XXXX '' O on any document associated in any manner with My estate or Me, XXXX XXXX XXXX, without My written prior consent is all of the evidence required for enforcement of this agreement/contract and is evidence that any and all users and issuers are in full agreement and have accepted this agreement/contract without controversy under the conditions d terms so stated and set forth herein.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Since XXXX, I have been unable to access my Equifax and Lock and Alert. I have escalated this issue to the company multiple times and they have not fixed it. I wait on the phone nearly 30-45 minutes just to freeze and unfreeze my report when it could be easily done online. I can't see my credit report and I can see my score when I want. I csn verify and dispute inaccurate information when I want.

It's been several years, they refuse to fix the technical glitch that isn't allowing me access to myEquifax report for several years. 
I called in XX/XX/XXXX and did identify verification with the phone rep, he reset my password for both my Equifax and Lock and alert. Neither will let me login. He said he escalated it but I have not received any communication since then .... 

At login the error reads Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX ( XXXX ) Customer Care is available XXXX XXXX and XXXX XXXX ET, Mon-Fri ; XXXX XXXX and XXXX XXXX ET, Sat-Sun I don't know ow what else to do. I can't keep calling them waiting on the phone for 30-45 minutes and they aren't fixing the issue. Please fix the issue on my account finally. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Over a month ago, I deposited two checks using HSBCs mobile banking app. Shortly after, the bank froze my funds, including those unrelated to the deposited checks. Multiple bank representatives assured me that my other funds should not be held, yet I still can not access them.

Additionally, every time I contact HSBC, I am given different dates as to when I will be able to use my money. Today, I attempted to withdraw cash at a branch, but I was informed that my account is being closed and that I will receive a cashiers check with my remaining balance. However, this process will take approximately 90 days.

While I understand that unsuccessful check deposits may lead to account closure, it is unacceptable for HSBC to withhold my funds for such an extended period without a clear explanation or a reasonable alternative. Due to this situation, I have been unable to pay for my basic needs, including rent. As a XX/XX/XXXXwith limited income, this has placed me under significant financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: MI

Complaint narrative:
Dear CFPB Dispute Department, I am filing a formal dispute under 15 U.S. Code 1666, 1666 ( b ), and 1681n regarding an inaccurately reported late payment on my credit file for my XXXX  XXXX, Transunion, XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX The report states that my payment was [ XX/XX/scrub>30/60/90 ] days late, which I believe is incorrect. 

Under 15 U.S. Code 1666 ( b ), I am exercising my right to dispute this billing error and request a thorough investigation. Specifically, I ask that you obtain and review : 1. A detailed breakdown of my payment history, including due dates and actual received dates.

2. Time-stamped records of when the allegedly late payment ( s ) were received and processed. 
XXXX. Any supporting documentation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Transunion, XXXXXXXX XXXX, Verifying the accuracy of this reported delinquency. 

Additionally, under 15 U.S. Code 1681n, if it is found that XXXX XXXX willfully provided inaccurate information or failed to properly investigate my dispute, they may be held liable for damages. I request that XXXX XXXX be required to produce verifiable documentation proving the validity of this late payment. If they can not, I demand its immediate removal under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

I appreciate your prompt attention to this matter and expect a response within the legally required time frame. Please provide written confirmation of the resolution. Should you need any additional information, please contact me at the phone number or email listed above.

Sincerely,

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 2025-03-17 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2025-03-17 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:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2025-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FC HoldCo LLC
State: MD

Complaint narrative:
According to the fair credit reporting act ( fcra ) Section 605b it is illegal to report information on my credit report without my permission.

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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a victim of identity theft, and unauthorized accounts have been fraudulently opened in my name with JPMCB Card Services. Despite providing the necessary documentation, including an FTC Identity Theft Report and proof of identity, Chase Bank has continued to report these fraudulent accounts to the credit reporting agencies ( CRAs ). 

On XX/XX/scrub> 2025, I formally submitted a dispute to Chase Bank, requesting that they stop reporting these accounts per section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ). I enclosed supporting documents demonstrating that I did not authorize these accounts.

Despite my dispute, Chase has failed to take appropriate action, causing ongoing damage to my credit report. This negligence has resulted in unnecessary financial hardship, including difficulty obtaining credit due to inaccurate negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I was XXXX assaulted at my apartment complex which resulted in them letting me out of my lease. The complex then sold my debt to a 3rd party that is not allowed to even collect debt in my state. They can not provide me with what exactly is even on the ledger to be owed and I left said apartment with a {$0.00} account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XXXX last year, TD Bank offered an account opening bonus, but I was unsuccessful in opening an account online. After calling customer service, I was told that I could go ahead and open the account first and then call them to have the promotion code added. 

I went to a branch on XX/XX/year> to open the account and later called customer service, who confirmed that they had added the promotion codes for the {$300.00} bonuses for meeting the requirements of both the Checking and Saving accounts. 

This year, I called customer service multiple times, and each time they confirmed that I had fulfilled the requirements but needed to wait 180 days after account opening. However, now that I have met all the conditions, the bonus has not been credited. Customer service has denied responsibility, claiming that accounts can not be opened over the phone and refusing to issue the bonus.

Company response to consumer: Closed with monetary relief