vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: MA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: OH

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
Improper reporting on my credit file and discrimination

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
Improper reporting on my credit file and discrimination

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: GA

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. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: KY

Complaint narrative:
Received letter in mail by Unifin over a credit card balance that is XXXX XXXX XXXX. The old account that use to own this credit card, XXXX XXXX was not able to verify the debt or dates to see what interest or debt occurred while in the pandemic when the president forced creditors to stop collecting payments.. This debt occurred during the XXXX pandemic. Status of limitations has been reached with this credit card in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I went to get a haircut that was supposed to be {$25.00}. Instead they tried to charge {$2000.00} and {$250.00} on two separate occasions. I did NOT sign for these as I saw they were wrong and trying to scam me. I refused to give them the card again. The {$2500.00} was refunded, but the {$250.00} was not. I told CapitalOne about this issue and spoke with superviser XXXX  ( or XXXX, it was a women ) and was told I needed receipts. I was NOT given a receipt. When trying to grab the receipt they did not let me have it. The whole situation was uncomfortable. I was told {$20.00} cash would be fine for the haircut. I went to my car and grabbed {$20.00} and was told that everything was fine. No receipt was given. CapitalOne is saying I need to go to this dangerous place for a receipt that DOES NOT exist. If it does exist they will not give it to me and I have called many times and asked. Im just told that its refunded. CapitalOne is saying there no proof that I paid for my {$25.00} haircut and is making me pay this fraudulent/illegal charge. They have not even given the company that scammed me a call. Capital One is siding with the fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in 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. These are the accounts I marked as inaccurate : nationwide recovery service and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Respected Authorized Person, I hope you are doing well. I opened a Truist Bank checking account with promo code XXXX applied ( Proof attached ). This is the second time I have opened a bank account with Truist. 

Per the terms and conditions ( attached ), if I didn't close any truist account on and after XX/XX/year>, I am eligible to receive a XXXX reward bonus. I closed my first account on XX/XX/year>. So, as per the terms, I should receive XXXX dollar reward bonus. But Truist customer service rejected my bank account opening bonus, saying that as I opened bank account second time, I am not eligible for an account opening bonus. Where as the terms and condition clearly states if I had closed the account before XX/XX/year>, I would have been eligible for the bonus. 

I will greatly appreciate if you can reach truist and help me to get my bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally request the Consumer Financial Protection Bureaus assistance in resolving a dispute regarding the reporting of a bankruptcy on my credit file. I previously contacted the credit bureaus Experian to dispute the inaccurate information, but they have failed to respond within the legally required timeframe.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the credit bureaus are required to conduct a reasonable investigation and respond within 30 days of receiving a dispute. Their failure to do so constitutes a violation of my rights as a consumer. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I have the right to dispute any inaccurate or unverifiable information.

Furthermore, if the bankruptcy information was obtained from a third-party source rather than the original court records, it may constitute a violation of the FCRAs accuracy requirements. The law mandates that only accurate, complete, and verifiable information be reported on consumer credit files. If the credit bureaus can not provide evidence that the bankruptcy is being reported accurately, they must remove it from my report.

Given that I have not received a response from the credit bureaus, I request that the CFPB intervene and require them to comply with federal law by either providing verification or deleting the bankruptcy from my report.

Enclosed, please find copies of my previous dispute letters and any supporting documents for your reference. I appreciate your prompt attention to this matter and look forward to your response. 
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 2025-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: AmWest Funding Corp.
State: TX

Complaint narrative:
dear AMWest customer services : Today is XX/XX/year> and I received XXXX delinquent letters from AMwest back dated to XX/XX/XXXX, indicating XX/XX/year> payments for loan XXXX and loan XXXX were not received. I was very shocked and immediately called customer services and made full payments for XXXX and XXXX loan payments for both loans plus over {$1000.00} as interest penalty. 

I have XXXX loans with AMwest, and I always schedule the payments together. on XX/XX/year> I set up the XXXX loan payments, but I accidently use the routing number as the account number. I didn't notice the mistake and today was the first time I received any form of notice of such late payment ie XXXX month later. Your customer services said they called me a few times, I got XXXX scam calls a day and I would not answer any unknow calls and expect voice mail for real call but none voice mail from AMwest. I have changed my email to XXXX  for XXXX  years, and I always got confirmation from XXXX  such as the one below from yesterday payment. However your notification email were sent to my old email at XXXX and I never saw it. and I did not receive any notice XXXX XXXX XXXX 

I was my mistake to use routing number as account number, but it was your gross negligency to not notice me for over a month! I am writing to you to request you to refund $ XXXX interest penalty, and not to report these XXXX late payments to credit agency. If you sent me the email to my current email address, if you left me a voice mail, if you sent me this letter, any XXXX of XXXX at beginning of XXXX, as you should have done, I would have paid these on time. But you didn't do any of these XXXX. 

you did similar thing last year but a little earlier than this time so I was able to pay it before XXXX of the month, but I had to large interest penalty as well for XXXX loans totaling over $ XXXX. 

It seems like you purposely not to notify borrowers of the late payments on time, so you can charge very high interest penalty, in my case over $ XXXX. Both cases were caused by AMwest internationall by not notifying me on time, therefore I am disputing these and request you to refund $ XXXX later interest penalty also requesting you to not report to credit bureau, you are the one caused these late payment on purpose. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AR

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX  XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX  XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into 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 2025-03-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The primary purpose of this complaint is to notify the CFPB that Experian offers no way to speak with a live person to correct incorrect profile information ( in the Experian system ) that prevents one from retrieving or changing their password on Experian website. In my case, I forgot the password for my Experian account and attempted to retrieve or change my password by logging in through the alternative means Experian offers -- either getting a code by text or call to my cell phone or submitting my birthdate and cell phone number. The code or call never came despite repeated attempts, and the website repeatedly said my birthdate and cell phone number did not match their records. The only way I was able to speak with a live person was by calling a business client tech support number on the Experian website and, after holding for over XXXX minutes, getting a tech support person to explain to me how to get around Experian 's automated phone menu by inputting incorrect information. I spent several hours on hold trying to solve this problem, including my final call to Experian. In short, Experian fails to provide adequate customer service to the consumers whose data Experian collects and maintains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: WI

Complaint narrative:
My credit report contains incorrect information and a fraudulent item that I never authorized or benefited from, and I can no longer ignore the damage they are causing. I am writing this with absolute frustration, as these errors have severely impacted my life and financial stability, preventing me from moving forward. Not only is this a violation of my rights, but it is also an insult to my character. I have already reported this matter to the Federal Trade Commission, yet these fraudulent items remain on my report. It is disheartening that the very systems in place to protect consumers like me have failed to resolve this issue.

Company response to consumer: Closed with explanation