vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$280.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I wrote a check ( XXXX ) to the XXXX XXXX XXXX XXXX XXXX$30.00} for certified marriage certificate. The funds were debited from my account against my check. XXXX XXXX has not confirmed receipt of my payment. XXXXXXXX XXXX issued a check image with missing information. The image provided by XXXXXXXX XXXX shows a JP Morgan stamp with a hand written account number. There is no other information to show date and time of deposit, no payee account number or identification and my account number as payer is missing? XXXX XXXX can not confirm if they had received the payment from me. I want JP Morgan to provide the missing information or an explanation why my check was not deposited into XXXX XXXX account? Otherwise refund my {$30.00} back into my XXXXXXXX XXXX account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
Dear LVNV FUNDING LLC I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with [ Account Number, if available ].

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all contact with me immediately. This includes, but is not limited to, phone calls, letters, emails, or any other form of communication.

If you believe this debt is valid and intend to take legal action, you may communicate with me only for the purpose of informing me of such action. Otherwise, any further contact from your agency will be considered harassment and a violation of federal law, for which I will not hesitate to take legal action. 

Please provide written confirmation that you have received this request and that all collection efforts on your part have ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: FactorTrust, Inc.
State: NJ

Complaint narrative:
Factor Trust has denied me access to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX  Date of Birth : XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Employers XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I deposited {$11000.00} in XXXX into Robinhood to start trading. I requested a small withdrawal which needed identity verification. I submitted my driver 's license and selfie photos to prove my identity, only to be denied. I retried a few times because I thought maybe the picture was blurry or had a little glare, only to find that my account had been restricted towards the end of XXXX. I could not withdraw or trade any stocks/crypto. When I call Robinhood customer support, I am asked to verify my name, date of birth, and email, only to be told my info doesn't match my accounts info ( impossible ). The Robinhood app told me my account review would be finished by XX/XX/XXXX. On XX/XX/XXXX, the date changed to the XXXX on the app, and today on the XXXX, it changed to the XXXX. I have heard that this cat-and-mouse game never ends unless a complaint is submitted. I have submitted my passport as another form of identification today as a last hope. My money is being held hostage by Robinhood for reasons undisclosed to me, and customer support does nothing but read a script telling me to submit identification proof, which I have done over 5 times. I have lost out on income and can not access my life savings which I have put into this investment App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX - XXXX - {$8300.00} XXXX XXXX XXXX - {$7300.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchase a photoshoot package for XXXX for my wedding on XX/XX/2024 in XXXX. However, on the day of the event the photographer cancelled the photoshoot due to the weather. The photographer tried to reschedule the photoshoot but I was not able since I was leaving XXXX the very next day. When I got back home I submitted a claim with my bank ( Bank of America ) and explained that the company had cancelled the photoshoot. I provided support. However, the bank declined my claim and sided with the company stating that they charge was legitimate. I followed up with the bank and explained that I did make the purchase but the service was never provided and was canceled by the company. The bank has refused to to help me get my money back even after providing proof of the cancellation.

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 2025-02-04 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: NC

Complaint narrative:
I

have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so.

NAVY 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 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX Subject : Dispute Under Section 605B Dear CFPB, I am writing to formally dispute the inaccuracies associated with my credit report as outlined under Section 605B of the Fair Credit Reporting Act. I am appalled by the negligence displayed in reporting my credit information, which has resulted in significant damage to my creditworthiness.

Upon reviewing my credit report, I discovered XXXX XXXX XXXXXXXX Acct # XXXX. This information is not only erroneous but also misleading, and I demand an immediate investigation into this matter. 

According to Section 605B, I have the right to dispute any information that I believe is incomplete or inaccurate. I expect a thorough investigation to be conducted, and for the inaccurate information to be corrected or removed promptly. Furthermore, I require written confirmation of the actions taken regarding this dispute within 30 days of receiving this letter. 

I am particularly frustrated by the lack of due diligence exercised in maintaining accurate records. This oversight is unacceptable, and I will pursue all legal avenues available to ensure that my rights are protected. If I do not receive a satisfactory resolution, I will not hesitate to escalate this matter to the appropriate regulatory agencies. 

Please consider this letter a formal notification of my dispute. I expect immediate action on your part to rectify this situation. 

Sincerely, 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 2025-02-04 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:
Subject : **Immediate Deletion Demand for Inaccurate Information on Credit Report** To Whom It May Concern, I am writing to formally dispute the inaccurate information related to the account referenced below. This account has been previously disputed, yet you have failed to correct the inaccuracies. I now demand the **immediate deletion** of this account from my credit report due to numerous glaring discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and infringe upon my consumer rights. 

**Account Information : ** - Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX - Reporting Agencies : TransUnion , Experian, Equifax **Inconsistencies Noted : ** XXXX. **Account Status Discrepancy** : The account is reported as " Charged Off '' on different dates across agencies. TransUnion and Experian indicate a charge-off date of XX/XX/XXXX, while Equifax shows a different date. This blatant discrepancy violates 607 ( b ) of the FCRA, which mandates maximum accuracy in reporting.

2. **Balance Inconsistency** : The reported balance varies significantly across agencies. TransUnion states the balance as {$19000.00}, while Experian lists it as {$10000.00}. This misrepresentation of my financial obligations is unacceptable and violates 623 ( a ) ( 1 ) ( A ) of the FCRA.

3. **Monthly Payment Reporting** : The monthly payment amounts are reported inconsistently. The payment frequency is confusingly marked as " Monthly '' in some reports and not in others, creating ambiguity regarding my payment responsibilities.

4. **Payment History Confusion** : The two-year payment history shows conflicting entries, with inconsistent statuses ( e.g., " 120 '' and " CO '' ). This misrepresentation of my payment behavior directly undermines my creditworthiness and is a clear violation of the FCRA 's accuracy requirements.

5. **Date of Last Payment** : The date of last payment is reported inconsistently, with TransUnion showing it as XX/XX/XXXX, while Experian and Equifax report different dates. This inconsistency further undermines the accuracy of my credit profile.

The continued failure to correct these inaccuracies after my previous dispute is unacceptable and has significantly harmed my credit report, leading to potential denials of credit and increased interest rates. Given the severity of these discrepancies, I demand the **immediate removal** of this account from my credit report. If you can not provide accurate verification, you are legally obligated to delete it as stipulated by the FCRA.

I expect a prompt and thorough investigation and resolution to this matter. Failure to comply with my request will lead to further action on my part, including contacting regulatory authorities.

Thank you for your immediate attention to this serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
Opened account on XXXX XXXX, 2025 With Citizens Access and deposited {$5000.00} from XXXX XXXX XXXX transfer. Deposited {$10000.00} again on XX/XX/XXXX but got a notice that the account was on restriction and to call their customer service number. Called the number and rep she was unable to help. Even after I answered all their Identity questions correctly, I was told to wait a week and try again because the account was under review. Rep was unable to give me any reason. I can no longer gain access to my account because I am locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Deletion of Charge-Offs from Credit Report Under 15 U.S. Code 1681 ( c ) ( 2 ) Dear Sir or Madam, I am writing to formally request that you delete certain charge-off entries from my credit report, as provided for under 15 U.S. Code 1681 ( c ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ). The entries in question are listed below : Creditor Name : XXXX  XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Date Reported : XX/XX/XXXX Under the FCRA, charge-off information that is reported on a consumers credit report can be removed after seven years from the date of the initial delinquency. Based on my records, these charge-offs should no longer be reflected on my credit report as the time limit for reporting has expired. 

As per 15 U.S. Code 1681 ( c ) ( 2 ), I am requesting the removal of this outdated information to ensure my credit report is accurate and compliant with federal law. 

Please confirm receipt of this request and provide written confirmation when these charge-offs have been deleted from my credit file. If you require any additional documentation, feel free to contact me at ( XXXX ) XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX Closed My AccountWhen Fraud was done my account and no help was given Specifically, the dispute concerns Navy Federal Closing my account. I request that you thoroughly investigate this matter and correct any inaccuracies in accordance with the provisions of Section 1681, which includes the duty to maintain accurate records, and ensure compliance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLEASE UPDATE THE PAYMENTS STATUS THIS ACCOUNTS : 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

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 2025-02-04 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: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLEASE UPDATE THE PAYMENTS STATUS THIS ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RELIANCE FIRST CAPITAL LLC
State: AL

Complaint narrative:
I initially filed a CFPB complaint against Reliance First Capital in XX/XX/XXXX and as a result of their inability and non-willingness to resolve the issues presented, I had to file a federal lawsuit case number XXXX against both Reliance First Capital and XXXXXXXX XXXX XXXXXXXX for alleged breach of contract and alleged RESPA violations on XX/XX/XXXX and because they still never resolved the issues, I filed another CFPB complaint on XXXX as the issues at hand as they relate to inaccurate credit reporting and wrongfully holding insurance proceeds were still not addressed. On XX/XX/XXXX I received an email response from XXXX XXXX at Reliance First Capital stating that they had placed a credit suppression on my account ( I was also actively attempting to negotiate a settlement with them as well at that time ). However, the credit inaccuracies have still yet to be addressed and Reliance First Capital and XXXXXXXX XXXX XXXXXXXX have resumed reporting negatively to the credit bureaus and have yet to address all of the inaccuracies. As of XXXX I still see the following discrepancies : In XXXX and XXXX of XXXX, XXXX shows me as 60 days delinquent while XXXX shows me as XXXX. 

XXXX is the only company reporting me as 60 days delinquent in XX/XX/XXXX although XXXX and XXXX show me as current. 

You'll also find attached several discrepancies in the payment history information being reported across XXXX credit reporting agencies by Reliance and XXXXXXXX XXXX  XXXX XXXX and more discrepancies starting in XX/XX/XXXX across 3 credit reporting agencies. 

Having to file the lawsuit and multiple cfpb complaints is just showing a glimpse of some of the additional and undue stress that I am having to endure. I've advised Reliance and XXXX on several occassions this undue stress is negatively impacting my personal, business life, family life, credit worthiness and financial stability yet they continue to operate in bad faith. 

I want the credit suppressed like they agreed upon while my loan is still under review and for the credit inaccuracies to be corrected accordingly. We currently have an active federal case with a hearing for preliminary injunction set on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This are the accounts that are inaccurate OPP Loans account number : XXXX ; XXXX XXXX XXXX Account number : XXXX ; XXXX  XXXXXXXX XXXX XXXX  XX/XX/24 ; XXXX XXXX XXXXXX/XX/24 ; XXXX XXXX XXXX XX/XX/24 ; XXXXXXXX XXXX  ; XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX Group

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