vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I went to the atm on XX/XX/year>, at XXXX at the XXXX XXXX in XXXX XXXX NY to deposit cash ( as I usually do ). I inserted the atm card and proceeded with my pin and then inserted the cash when instructed. I have no idea what happened after! the screen went back to the beginning without confirming the transaction or giving me a receipt. I checked by balance on my phone app and the funds were not deposited. I immediately called customer service ( at the spot ), time by then was exactly XXXX. I spoke to them for 22 min and 32 sec. They checked their system and told me that they don't see any transactions at that specific atm nor my card. I suggested that I was going to withdraw {$20.00} to see if he can see it, and he did. He asked me how much did deposit, but I was not sure because I juft grabbed the money from my purse without counting it. ( I had just left work, I do taxes and had a lot of cash payments and rushed to the bank before going home ) Also, I never use to count before this incident trusting the system will do it correctly. I told him that it was more or less {$1200.00} but it could be more ( diffidently not less ). The Bank deposited {$1200.00} and started a dispute which took about 45 days. On XX/XX/year> I received a letter stating the investigation was completed and no trasactions were found and that the provisional credit of {$1200.00} was going to be reversed on XX/XX/year>, which it was. I am asking for you to please take control of this and investigate. The Bank needs to check the camera and see when I inserted the cash and check that I did not get anything back. This is not fair nor right. Thank you so much. My Card number is 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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
Requested a contract ( multiple times ) with wet ink signature of both parties ; XXXX XXXX and TEK-COLLECT INC . This was not provided.

TEK-COLLECTXXXX HAS FRAUDULENTLY ACCESSED MY CREDIT REPORT WITHOUT CONSENT from XXXX XXXX. Proof of consent to access credit report with signatures of both parties ; XXXX XXXX and TEK-COLLECT INCXXXX needs to be provided. Random docs of signature is FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
This is a formal follow-up regarding a dispute letter I submitted on XX/XX/year>, concerning unauthorized inquiries on my credit report. The letter was dated, time-stamped, and included a filed FTC Identity Theft Report. As of today, more than 30 days have passed with no action or response from XXXX, in violation of the FCRA. 

These inquiries do not meet the permissible purposes under 15 U.S. Code 1681b and are unauthorized. I am requesting their immediate removal from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please see the attached letter and data breach confirmation for reference. I expect these unauthorized inquiries to be deleted, and confirmation sent upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding a disputed charge of {$2800.00} from XXXX XXXX, which was processed through my Chase credit card. This charge was made in error, and I have been attempting to resolve it with both XXXX XXXX and Chase Bank since XX/XX/year>. 

Despite repeated calls and follow-ups, XXXX has denied the claim, and the Chase Disputes Department has not provided a satisfactory resolution or a clear path forward. I was recently informed that the dispute may not be successful and could take more time, with no guarantee of outcome. This lack of transparency and urgency is deeply concerning given the significant dollar amount involved and the length of time that has passed. 

I am requesting that Chase be held accountable for investigating this matter thoroughly and fairly, and that they credit the disputed amount while continuing their investigation, as outlined in the protections under the Fair Credit Billing Act ( FCBA ). 

Please assist me in resolving this matter. I am seeking a full refund of the {$2800.00} that was incorrectly charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MN

Complaint narrative:
I submitted a dispute to Transunion on XX/XX/XXXX regarding an XXXX XXXX credit union account being inaccurately reported. For example in XXXX of XXXX the payment history shows 30 days late, but then the very next month in XXXX of XXXX the account is reporting as 90 days late, which is obviously not accurate or possible. I received the dispute results on XX/XX/XXXX. While some updates were made such as the account now reflecting as " paid. Closed. Was 60 days late '' the payment history was not updated and continues to reflect two 90 day late payments that are not possible because the month prior it was reported as 30 days late. I want these corrected and accurately reported.

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 2025-04-10 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-04-10 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-04-10 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: AZ

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.

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 2025-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX Account number : XXXX 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 
Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-04-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing this letter requesting to remove the fraud alert on my personal credit report. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
Equifax is reporting a completely unauthorized and fraudulent collection accountN/A XXXX my credit report, and despite being notified multiple times, theyve failed to correct it. Whats even more concerning is that both XXXX and XXXX already deleted this account with no issue, yet Equifax keeps verifying it without providing a single piece of supporting documentation. Theres no name of a collection agency, no original creditor, and no proper breakdown of the debtnothing. That makes the reporting incomplete and unverifiable, a direct violation of 15 U.S.C. 1681e ( b ) of the FCRA. This is not just a credit reporting issueit also violates my rights under the FDCPA. Under 15 U.S.C. 1692g ( b ), I have the right to receive validation of the debt after disputing it. Ive received none. And 15 U.S.C. 1692e ( 8 ) prohibits any agency from reporting a disputed debt without noting it as disputedwhich Equifax has allowed to happen. On top of that, this account was added to my report without my knowledge or permission, violating 15 U.S.C. 1681b ( 2 ). Equifax is failing to conduct a lawful reinvestigation under 15 U.S.C. 1681i and continues to report incomplete and damaging information. The account is bogus, unverifiable, and harming my credit. If the other bureaus could remove it, Equifax has no excuse. Their negligence and lack of accountability need to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

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 I 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. 

Account : XXXX {$2200.00} XX/XX/year>

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 2025-04-10 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: CA

Complaint narrative:
This tradeline is not reported with the maximum possible accuracy, and its clear that the information provided is flawed. As a result, its affecting my credit report in a way that it should not be, and it doesnt reflect the true status of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
Transunion is not allowing me to see my credit report or score, but they are sharing my information with creditors and reporting false information. I have asked for months if they could verify, provide proof or please remove immediately! None has been done

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-10 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This is a formal and pre-litigation complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding its handling of a dispute I filed concerning an account reported by XXXX XXXX ( Account # : XXXX ). 

Experian has violated my rights under the FCRA in the following ways : XXXX. Unlawful Verification of Legally Defective Reporting Experian reported that the XXXX account had been verified as accurate, despite the fact that XXXX failed to provide me with the mandatory written notice before reporting the initial 30-day late payment in XX/XX/XXXX, as required under 15 U.S.C. 1681s-2 ( a ) ( 7 ). 

By verifying this account, Experian is asserting that XXXX complied with all legal obligations including the requirement to notify me prior to any negative information being reported. That claim is demonstrably false. 

No such notice was ever sent or received, and Experian has produced no documentation to support its so-called verification. Therefore, Experian is now liable for knowingly or negligently reporting inaccurate and unlawfully obtained information, which is actionable under FCRA 1681n and 1681o.

2. Failure to Provide Method of Verification ( MOV ) Following Experians reinvestigation, I submitted a formal request for the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Experian failed to : Identify the source of the verification Describe the procedures used to verify the charge-off and delinquency Provide any proof that the required FCRA notice was sent by XXXX before reporting the late payment This refusal to respond to a lawful consumer request is itself a violation of the FCRA.

3. Bad Faith and Pattern of Noncompliance Experians refusal to provide documentation, along with its vague and templated dispute responses, demonstrates a pattern of bad faith dispute handling. This pattern was already addressed in the CFPBs XXXX Consent Order against Experian for sham investigations and failure to comply with the FCRA. 

Experians conduct in my case is consistent with the same unlawful behavior that led to federal enforcement action and clearly demonstrates ongoing, willful noncompliance with consumer protection laws. 
Consumer Harm : Experians reckless and unlawful verification of this account has materially harmed my creditworthiness and exposed me to ongoing financial damage. This complaint serves as formal notice that if Experian does not fully comply with its obligations under the FCRA, I will pursue private legal remedies under FCRA 1681n and 1681o. 

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