vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: KY

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit report and found that I have two accounts with XXXX XXXX. One account is reporting four late payments, and the other is reporting seven late payments. These accounts were always paid and closed in good standing. 

Since XX/XX/year>, I have been actively trying to resolve this issue and have repeatedly requested XXXX XXXX to correct the reporting. Despite my efforts, they have refused multiple times to assist or make any corrections.

This inaccurate reporting is negatively impacting my credit, and I am requesting that these late payments be removed immediately. Please provide confirmation once this issue has been resolved.

Per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, furnishers must ensure accurate reporting. Since XXXX XXXX failed to provide clear disclosure of this unusual 15-day policy, the reported late payments are misleading and inaccurate.

Additionally, under the Truth in Lending Act ( TILA ) 12 C.F.R. 1026.6, lenders are required to disclose key loan terms, including late payment policies, clearly before a borrower agrees to the terms. If XXXX XXXX did not properly inform me of this policy, they have violated TILAs disclosure requirements.

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 2025-01-29 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:
To Whom It May Concern : I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries and addresses made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting changes.

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 2025-01-29 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:
To Whom It May Concern : I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries and addresses made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting changes.

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 2025-01-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
Good afternoon I am reaching out because I had Debt with a school online. The money that was old it was due to me being on medical leave unpaid.. I reached out to the company multiple times explaining to them what was going on with me financially in explaining to them that I will be returning to work in XXXX I left for medical leave in XXXX so I was out for about 10 months and at the time I was giving them XXXX XXXX monthly, but I was no longer able to continue that payment and agreement due to not working and not receiving any other source of income.. I stayed in contact with the company regarding my situation, but they still sold that debt to XXXX XXXX XXXX who is now calling me constantly repeatedly even though Ive asked them not to contact me. They contact me on different phone numbers indoor in different time of the day its an extreme inconvenience. I I stayed in contact with the company regarding my situation, but they still sold that debt to assurance debt collection who is now calling me constantly repeatedly even though Ive asked them not to contact me. They contact me on different phone numbers indoor in different time of the day its a extreme inconvenience. I contact the school again and I asked them what would be the best way to resolve the situation they told me a number I could pay them, which was around XXXX and some dollars in order to be in a good standing with the school to return to school. Now with this agreement, Im still receiving phone calls from the debt collection even though I asked the schools financial aid counselor if I paid them with that debt collection company stop the calls in order to collect from the same debt. At this point, I dont know what to do because I do not want to pay the {$600.00} to the school and still have to pay a certain percentage to the debt collectors. I did not have any awareness that that would be sold to a debt collection company. I stayed in communication with the school and was not once told that the debt was being sold or that I would not be able to continue schooling once I return back to work until the debt was paid in full

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 2025-01-29 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: TX

Complaint narrative:
To be clear, I have already provided ample evidence to substantiate my dispute. However, it appears that XXXX  has failed to take the necessary steps to either correct or remove the disputed items from my credit file. This ongoing inaction not only violates the FCRAs requirements but has led to significant harm to my creditworthiness and potential financial opportunities.

In light of these concerns, I respectfully request that XXXX  immediately reinvestigate the disputed accounts and take corrective action in accordance with the FCRA. I ask that you contact the furnishers involved and ensure that they provide accurate and verifiable information. Furthermore, I request a detailed response outlining the results of the reinvestigation, including any changes made to my credit file and documentation regarding the furnishers verification of the disputed accounts.

Please be advised that under the FCRA, you are required to complete this reinvestigation within 30 days of receiving this request. Failure to do so may result in further legal action to address this ongoing violation.

I expect to receive written confirmation of the results of this investigation at the earliest opportunity.

Thank you for your prompt attention to this matter.

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 2025-01-29 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: AZ

Complaint narrative:
When reviewing my credit report, I noticed that was attributted payment responsability for an account with XXXX XXXX XXXX ( an installment loan account ) in wish I was never registered as a co-signer or directly involved. This erroneus information negatively impacts my credit score and creates an inaccurate representation of my financial history. Cosumer Reporting Agency have the obligation to ensure that all reported information is accurate and verifiable, I bilieve there has been an error in associating this account with my credit history, as there is no documentation to support any legal connection with me and this account. However i was never involved with or had control over this account, and therefor, I can not be held responsible for any late payment. If there evidence to the contrary, I request that clear and verifiable documentation be provided to support such a claim.

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 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX I received and email from Experian said I have a collection added to my credit report from the national credit system due to inaccuracies for a payment of {$450.00} from some apartments I moved out of last year XX/XX/year> 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 2025-01-29 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: AZ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-01-29 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-01-29 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-29 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc, ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: KY

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under XXXX XXXX XXXX section 6 o 2 states I have the right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt also states a consumer reporting agency can not furnish an account without my written instructions under XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose. 

I want you to send me a detailed list of the history of payments made my me on this account. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. I would like to see if there is any insurance claim found on this debt. I want proof of the chain of title to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
M & T bank is stating that I have missed payments, which is untrue. I have every bank statement payment confirmation withdrawal, notification, and payment posted mail from M & T as well as my own bank. now Im being threatened with foreclosure and an erroneous $ XXXX payment that can only be made by a money order or a cashiers check because they refused to apply the payments that had been being sent for the last XXXX months. If not more I am on flex pay which allows partial payments. This has been an ongoing issue since I enrolled in this and have had to re-enroll because, their automatic drafting/ banking system is obviously not efficient let alone functional. when I started to question this, they locked me out of my account until I file a complaint and then all of a sudden I was able to gain access again But with barely any statements for the last XXXX months are in question. when I questioned the banker on the phone that I have spoken with several times, she even stated that she couldnt see my payments that far back how is that even possible for a bank to not be able to see a years worth of payments? but yet I can pull my bank statements and information for the last XXXX years if I needed to, but Im paying a mortgage weekly and they cant see what Ive paid?, But want to say that I havent yet I have statement after statement after confirmation from both M & T and my bank as well showing that these payments have gone through.

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 2025-01-29 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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to not properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX constantly responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation, this practice violates the Fair Credit Reporting Act ( FCRA )XXXX XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations, I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation.

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 2025-01-29 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:
To be clear, I have already provided ample evidence to substantiate my dispute. However, it appears that XXXX  has failed to take the necessary steps to either correct or remove the disputed items from my credit file. This ongoing inaction not only violates the FCRAs requirements but has led to significant harm to my creditworthiness and potential financial opportunities.

In light of these concerns, I respectfully request that XXXX  immediately reinvestigate the disputed accounts and take corrective action in accordance with the FCRA. I ask that you contact the furnishers involved and ensure that they provide accurate and verifiable information. Furthermore, I request a detailed response outlining the results of the reinvestigation, including any changes made to my credit file and documentation regarding the furnishers verification of the disputed accounts.

Please be advised that under the FCRA, you are required to complete this reinvestigation within 30 days of receiving this request. Failure to do so may result in further legal action to address this ongoing violation.

I expect to receive written confirmation of the results of this investigation at the earliest opportunity.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was sent a bank bonus offer for {$400.00} for fulfilling one {$500.00} direct deposit and {$100.00} savings deposit for 3 consecutive months. I fulfilled all terms and conditions and citizens refuses to pay me the bonus I am entitled to. I was told when I opened the account on two separate occasions that I would be paid the bonus by XX/XX/2025. I have not received the bonus.

Company response to consumer: Closed with explanation