vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
Dispute of XX/XX/XXXX Day Late Payments Account [ XXXX ] Dear Sir or Madam, I am writing to formally dispute the 30, 60, and 90-day late payments reported on my XXXX XXXX account,XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Complete-Maximum-Integrity ( CMI ) method of credit reporting. I request that you fully investigate and correct the information currently reflected on my credit report.

The reporting of these late payments is not accurate and does not reflect the true status of my account. As per the CMI method, it is your responsibility to ensure that all information reported is not only complete but also accurate, and it must maintain maximum integrity in the credit reporting process. The inaccuracies on my credit report violate the principles of fair and accurate reporting and must be corrected immediately. 

Specifically, I am disputing the following : - 30-day late payment : [ XXXX ] - 60-day late payment : [ XXXX ] - 90-day late payment : [ XX/XX/XXXX ] -120 day of late payment : XXXX Under 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate and complete information to the credit bureaus. Your failure to do so is in direct violation of the FCRA, and I demand that these late payments be removed or corrected to reflect the true payment history. This is further supported by the requirement under 15 U.S.C. 1681i, which mandates that when a consumer disputes information, the reporting entity must investigate and correct any errors or inaccuracies.

In addition to disputing these late payments, I also request that XXXX XXXX review the entire reporting for completeness and accuracy, in line with the complete and maximum integrity principle. If this information can not be verified as accurate, I demand that it be immediately removed from my credit report in accordance with 15 U.S.C. 1681c.

Please provide written confirmation of the outcome of your investigation within 30 days, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ). If the results of your investigation confirm that these late payments were reported in error or were unverifiable, I require that the information be corrected and that my credit report be updated accordingly.

Failure to comply with these requests may leave me no choice but to pursue further legal action under the FCRA, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action for non-compliance.

Thank you for your prompt attention to this matter. I look forward to your timely response.

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 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 may make any consumer report containing any of 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.

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 2025-05-16 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: MS

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 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 may make any consumer report containing any of 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here is Here items I'm asking you to verify accurate : 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 2025-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I keep being told incorrect information from the representatives when I am calling to ask for a different payment arrangement, Sallie Mae wants me to pay way more than I can afford to and they will not offer any assistance at all with it. I was originally told my forbearance would be XXXX  months, then they said it was actually XXXX  months at a time but could be requested XXXX  times in a row then they changed it and said that wasnt true. I was advised to not make a payment and try to figure it out with Sallie Mae collections department but I would rather figure it out ahead of time so nobody thinks I am avoiding paying the loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Regarding previous Complaint XXXX The company Stated " the XXXX made the decision to XXXX you the full bonus value in the amount of {$6700.00}, which was paid out on XX/XX/year>. '' Their method " You were already given the bonus at the time your funds were ACATd in. Since the terms of the promotion were not met, you would have seen a debit of {$6700.00} when your account was transferred. The XXXX proactively charged the claw-back on XX/XX/year> and immediately offset the claw-back with the goodwill funds of the same amount. '' To honor their decision to honor the full bonus, because they closed the account early, the correct path forward would have been to waive the debit charge to my account of {$6700.00}. Which they did not do, they charged me the full {$6700.00}. They claim this is OK, because the also credited my account an amount of {$6700.00}. 

This however costs me 20 % of {$6700.00} of which I never received. Had they waived the claw-back fee, I would not own the additional amount in taxes. 

This was painstakingly explained to the company in my eMail attempts to contact them, but they have as of yet refused to even acknowledge the issue or try to explain why it is not an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a check for a large amount of silver coins that I sold to a coin company in XXXX XXXX. I deposited the check on XX/XX/XXXX & the funds were released the following day & the check cleared with no issues. Then, on XX/XX/XXXX ( over a month later ), Chase Bank debited the same amount out of my account with a notation that stated there was a dual presentment error. Upon further investigation, the dual presentment took place on XX/XX/XXXX - an entire month AFTER I successfully deposited my check & the check cleared. I did not deposit the 2nd check and Im unaware of what exactly took place, but I never received double credit by Chase bank, yet they have clawed back the funds from me on a check that was deposited first & now it seems as if the second presentment over a month later has been honored. Under UCC 4-302 and presentment rules, my deposit was the first valid presentment and cleared without return, making it the prevailing item. Any subsequent duplicate presentment should be resolved between banks under warranty claim procedures. I request immediate re-credit of the improperly reversed funds. I have been a Chase Bank customer with absolutely zero issues for more than 25 years & the way I was treated by Chases contact center in the XXXX was absolutely abhorrent. I was told 3 different excuses that werent even fact - everyone in those contact centers needs to be re-trained on Federal Banking Regulations in the US because they were making claims that were literally & egregiously wrong. I need my funds returned to my account immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
I have contacted credit fresh as I have done so on all the fraudulent accounts that were opened under identity theft I also contacted XXXX XXXX and I also contacted XXXX with fraudulent accounts opened and not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-16 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-05-16 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I received a debit card in my name to my home address from CashApp. I did not request this card, nor have I ever used CashApp. My identity was stolen and is being used on this account. 
On XX/XX/XXXX, I contacted CashApp to try and get the account closed. It has been over 40 days, and I still do not have confirmation of account closure. I even forwarded a police report the next week, but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
XXXX XXXX XXXX continues to report an account they sold to XXXX XXXX XXXX XXXX XXXX. The Experian, Transunion and Equifax report confirms a {$0.00} balance and a closed status with {$31000.00} written off, yet they continue to report charge-offs each month as late as XX/XX/2023. This violates Metro 2 guidelines and FCRA 611 because XXXX no longer owns the account and can not report ongoing derogatory status. 

Their previous response to my CFPB complaint stated they could not locate the account. If they can not locate or verify the tradeline, it must be removed. Continuing to report CO ( charge-off ) every month after selling the debt is misleading, unverifiable, and negatively impacting my credit score. 

I am requesting full deletion of the XXXX XXXX XXXX tradeline from all credit bureaus, as they no longer own the account and are reporting it inaccurately and unlawfully.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX continues to report an account they sold to XXXX XXXX XXXX XXXX XXXX. The Experian, Transunion and Equifax report confirms a {$0.00} balance and a closed status with {$31000.00} written off, yet they continue to report charge-offs each month as late as XX/XX/2023. This violates Metro 2 guidelines and FCRA 611 because XXXX no longer owns the account and can not report ongoing derogatory status. 

Their previous response to my CFPB complaint stated they could not locate the account. If they can not locate or verify the tradeline, it must be removed. Continuing to report CO ( charge-off ) every month after selling the debt is misleading, unverifiable, and negatively impacting my credit score. 

I am requesting full deletion of the XXXX XXXX XXXX tradeline from all credit bureaus, as they no longer own the account and are reporting it inaccurately and unlawfully.

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 2025-05-16 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: MA

Complaint narrative:
I am disputing several inaccurate and potentially outdated collection and charge-off accounts listed on my TransUnion credit report, including the following : XXXXXX/XX/XXXXXX/XX/XXXX, dated XX/XX/XXXX, with a reported balance of {$3500.00} ; XX/XX/XXXXdated XX/XX/XXXX, with a reported balance of {$3800.00} ; XX/XX/XXXX, dated XX/XX/XXXX, with a reported balance of {$1500.00} ; and XX/XX/XXXX dated XX/XX/XXXX, with a reported balance of {$330.00}. These entries have been a source of ongoing frustration, creating significant financial distress as they negatively impact my creditworthiness and hinder my ability to secure fair financing. Given the age of some of these accounts, including the nearly decade-old XXXX XXXX charge-off, and the unusually recent collection dates, it is reasonable to question their accuracy and completeness. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 15 U.S.C. 1681n, TransUnion is legally obligated to ensure maximum possible accuracy in credit reporting and to conduct thorough reinvestigations of disputed items. Given the sensitive nature of these accounts and the potential for data breaches leading to unauthorized account activity, I demand a comprehensive review of the original source documentation to confirm the validity of these debts. If TransUnion can not verify these items with original, verifiable evidence, they must be promptly corrected or removed, as required by law.

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 2025-05-16 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: NJ

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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
please see documentation pertaining equifax data breach. 

spoke to supervisor named XXXX way given inaccurate information, asked to speak to supervisor would not put me through and was ver\y unprofessional also told me i was missing information FTC report whivh i submitted through online disputes under the FCRA 605B law. 

need the XX/XX/XXXX collection removed from my account within 4 days it has been 2 as of today 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 2025-05-16 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: TX

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation