vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: AL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-17 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:
I need the following HARDINQUIERE that do not belong to me, nor do I request them and are affecting my CREDIT to be removed from my Credit Report. XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: MS

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours declaring that the account is accurate, without providing any verification of a thorough investigation. This practice violates the Fir Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also violate 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 within federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've reported as inaccurate : account number XXXX and account number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/year> I tried to deposit tax refund via the app and it said I had to deposit the check at a branch. I then proceeded to the bank and deposited the check through the ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I 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 2025-03-17 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: IL

Complaint narrative:
My info has been leaked in a data breach from XXXX, and I would like to remove fraud inquiries on my consumer report. XXXX XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XXXX  card inquiry on XX/XX/XXXX reminder these are INQUIRIES. PLEASE REMOVE THEM THEY ARE FRAUDULENT INQUIRIES

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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
New card showing up on credit report that I did not open, started receiving the bill in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened an account with Citi at the beginning of XXXX. After making my initial transfer from my external savings account, those funds were withheld for about XXXX business days. Once I had access to my funds, my debit card would continuously get declined without reason and despite having the available funds every time. I would get declined for transactions like water, coffee, to larger things like paying my personal trainer or paying my phone bill. I called continuously for XXXX weeks to get clarity on why my card was getting declined despite having the available funds- and each time was told that a XXXX hour lock would need to be put on my card. Needless to say, this was never resolved - my card kept getting declined for no reason. The last time I called was XXXX, XX/XX/XXXX. I was told my complaint would be escalated and that it would be resolved in XXXX hours. The next morning, XXXX  XX/XX/XXXX, my direct deposit was deposited into my account. That morning, I paid a few bills and around XXXX PM in the afternoon noticed that I was locked out of my mobile app & the website. I tried to purchase a coffee and the card declined, I tried to go the ATM to withdraw some cash and it also declined. I called customer service again and was told that Citi decided they could no longer service my account and it was being closed. I was told I couldnt receive any further information and was denied access to the funds that are in my account. I was told the account would be closed in XXXX days and if they can the funds left in my account will then be returned. No one has answered my question and I am not aware of any bank policy that I have violated. I contacted the Citi Executive Response Unit to open a case and was told id need to wait 15 days. My case number is 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 2025-03-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I attempted to use an online AMEX gift card issued to me by XXXX XXXX ( XXXX XXXX XXXX XXXX ). 

I previously tried using the card at XXXX, but it was rejected. While on the phone with AMEX rewards. They gave excuses that the XXXX did not process the card correctly. Every other card I have used with XXXX is fine. 

With AMEX on the phone, I also tried to use the card at XXXX and XXXX, which also failed to accept the AMEX gift card. AMEX was just telling me to keep trying, which is unacceptable. There website would also not supply my card balance. 

You should only give these cards as gifts to your enemies, or if you are an employer only give them if you want an employee to think badly of you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Mangement XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Debt Validation Dear Midland Credit Management, I am writing in response to your [ letter/call ] dated [ date ] regarding the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request validation of this debt.

Please provide the following information : The name and address of the original creditor.

The amount of the debt, including an itemized breakdown of any interest, fees, or additional charges. 

Verification that I am indeed the party legally responsible for this debt.

A copy of the agreement that authorizes you to collect the debt on behalf of the original creditor.

Proof that the statute of limitations has not expired on this debt. 

Copies of any judgments ( if applicable ) related to this debt. 

Additionally, please refrain from any further collection activities, including reporting this debt to credit bureaus, until you have provided proper validation as required by law. If you are unable to verify the debt, I request that you cease collection efforts and remove any negative reporting from my credit file. 

Please note that this is not a refusal to pay but a request for validation. If you fail to provide the requested documentation, I will consider the matter closed and will report any continued collection efforts as a violation of the FDCPA to the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general. 

Please respond to this request in writing at the address provided above. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit pla
n as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-17 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
I opened a joint checking account with my partner at XXXX XXXX XXXX XXXX. We deposited money into it but never received the debit card we requested. The account went dormant, and it seems the bank closed it without notifying me. Now, its listed on my Equifax credit report as an open account with a charge-off status, which doesnt add upchecking accounts arent typically reported to credit bureaus, and how can a checking account be charged off if theres no credit involved? This negative mark has been harming my credit for several years. 

Ive been trying to resolve this with XXXX XXXX for years. In a phone call, they promised to remove the negative mark from my report, but they never did. Instead, in written responses dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, they just tell me to dispute it directly with Equifax through XXXX, saying theyll only act if Equifax contacts them. This doesnt make XXXX XXXX is the one furnishing the inaccurate information to Equifax XXXX so they should fix it. On top of that, without my permission, they contacted my fatherwho isnt on the accountabout a supposed balance, and he ended up paying it. 

I am attaching the responses received from XXXX XXXX in regards to my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
This is for Bank of America to formally address an ongoing issue that has severely impacted my business. I have experienced XXXX dollars in unauthorized transactions from XXXX. which have persisted for over a month and a half. Initially, I believed these charges were associated with my XXXX XXXX services ; however, I later discovered that someone had been misusing my account for online gaming. 

Despite submitting evidence to support my claim that these transactions were not authorized by me, my funds remain on hold, and Bank of America has not initiated a chargeback against XXXX. 

I have been in contact with bank of america customer service team almost daily for the past three months, yet each representative provides inconsistent information and solutions that have not resolved my issue. I have not received any follow-up communication from the back office regarding my claim, which is both frustrating and unacceptable given the circumstances. 

I kindly request immediate action to resolve this matter. Please provide me with a clear timeline for when I can expect my funds to be released and when I will receive a chargeback for the unauthorized transactions. I look forward to your prompt response to this urgent issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief