vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

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 non-monetary relief
Consumer complaint received 2025-04-23 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:
I did not authorize this credit inquiry. Under the Fair Credit Reporting Act ( FCRA ) Section 60XXXX ( a ) ( XXXX ), credit inquiries must have a permissible purpose and require my explicit consent. I am requesting this unauthorized inquiry be removed from my credit report. 

Account details Name XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year> Dispute sent XX/XX/year> In review XX/XX/year> I sent over all the documents already and never gotten a response. I called you guys and you completely ignored me and blow me off telling me you cant do anything to contact the creditor instead. Completely unprofessional and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I hope this message finds you well. Im writing to follow up on the disputes I previously submitted concerning specific items on my credit report. 

To date, I have not received any updates or responses regarding the resolution of these matters. While I understand that investigations can take time, I would appreciate any information on the current status and any progress that has been made. 

Below are the items I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CITIBANK, N.A.
State: WA

Complaint narrative:
In addition to CFPB complaint ID # XXXX submitted on XX/XX/XXXX, I'm filing second complaint with same credit card. I've been in dispute with Citi XXXX XXXX since XXXX. Here are the problems and requests : 1 ) After review all statements and transactions from XXXX to present - Citi XXXX XXXX must refund me at least {$2300.00} in transactional disputes. 
2 ) No service and response to me directly in regards to disputes I had with this company. No resolutions. 
3 ) This led to unresolved disputes, uncredited credits, accumulation of fees/interests. Some understanding needed on statements with " conditional credits for disputes '' that have a tendency to be " reversed '', than credited again, and then removed again without explanation. 
4 ) False credit reporting for none payment. As I explained to both store and credit company once the product is accepted, returned and return receipt is provided it's out of my hands and interests to what you do with the product. However, both store and credit company must issue credit on time. If there are any problems, I need to be notified. No notification was directed to me. All I see unpaid debt to me for products that I returned, receipts provided over and over to Citi XXXX XXXX that does not proceed with credits. I will not pay for products I no longer have at home that were returned and fees and interests that your company falsely enforces as payment. I will not pay for products I never purchased and disputed. 
5 ) Credit reporting - the credit limit was reduced from {$12000.00} to {$4000.00}. That's XXXX  revolving account or someone who has no credit history. Not, for a person who always paid lifetime of all payments on time and in full amounts. I refused to pay for something that your company doesn't do protect customer rights, privacy, finances and safety. My credit score has been significantly lowered that effects me negatively. Some problems with my financial reputation that I never had in my life including investment, shopping experience and opening new credit cards. 
6 ) The account was placed into XXXX XXXX XXXX XXXX collections agency with balance of {$320.00}. Citi XXXX XXXX promises that while I'm in dispute it doesn't report to credit bureaus and collections until problem is resolved. 
7 ) The Citi XXXX XXXX account is closed. 
Please resolve all problems immediately, your service would be greatly appreciated after XXXX or XXXX XXXX writing to your company. Waiting for that check that you owe me for accrued debt Citi 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 2025-04-23 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
Last year Mr Cooper bought my mortgage. They failed to pay my homeowner insurance policy, as was their obligation by law. The insurance lapsed and the insurance company was unwilling to re-instate my policy. I live in an area designated as XXXX XXXX XXXX, and only XXXX insurance company is currently insuring homes in this area. Their policy is {$5000.00} more per year than my previous insurance. A representative of Mr Cooper recognized their mistake, and attempted to make up the difference in escrow for me but were unable to make my escrow payment go down to the level it was before the mistake. Consequently, my mortgage payment went up by about {$480.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX Bankruptcy Court-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court, that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: GA

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 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Made Without My Consent Under the FCRA To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report maintained by Experian. These inquiries were made without my consent and have compromised the privacy and security of my personal information. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of the following unauthorized inquiries from my credit report : * 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize these inquiries, nor did I apply for credit with these entities. These entries are inaccurate and represent a violation of my consumer rights under the FCRA. 
The FCRA requires consumer reporting agencies to maintain accurate and verifiable information. As such, I am requesting a prompt investigation and removal of the inquiries listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding inaccurate information being reported on my credit file in connection with the account ending in XXXX. Specifically, a late payment has been reported which I assert is both inaccurate and unverified. 

I have previously disputed this matter directly with both the credit reporting agencies and the data furnisher. Despite these efforts, the disputed late payment continues to appear on my credit report without any substantiated validation or supporting documentation. 

Under 15 U.S.C. 1681s-2 ( a ), data furnishers are legally obligated to report accurate information. Additionally, under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation into any dispute within 30 days of receipt. To date, neither the furnisher nor the credit bureau has provided sufficient evidence to justify or validate the continued reporting of this negative item. 

Furthermore, federal law prohibits creditors from reporting late payments to credit bureaus unless the payment is at least 30 days past due. If a creditor reports a late payment that was actually made within the 30-day grace period, this constitutes an inaccurate report and is in violation of the Fair Credit Reporting Act. I believe this is the case in this instance, as the payment in question was made within the allowable grace period. 

I respectfully request that this matter be reviewed promptly and that the inaccurate late payment be removed unless verifiable and documented proof can be provided. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
I opened a Robinhood account. Deposited XXXX and I was able to take it out. And then I deposited {$1000.00} the next page and my account got restricted immediately for no reason.. I tried to reach out to this people, I called them submitted everything they needed, all for them to do nothing taking me back to calling them again and submitting my details .. this has been goin on for a month now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NE

Complaint narrative:
I received a text message about a debt they claim as mine. I asked for proof and verification of the debt and proof that they are legally licensed in my state to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
The student loan accounts across Equifax and TransUnion are reporting inaccurately and inconsistently. Experian shows no late payments, while Equifax reports late payments for XXXX and TransUnion reports different late payments for XXXX. This violates FCRA Sections 602 and 607, which require maximum possible accuracy and consistent reporting across all bureaus. 

I have uploaded a full letter with documentation

Company response to consumer: Closed with non-monetary relief