vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding inaccuracies in the reporting of my XXXXXXXX XXXX XXXXXXXX XXXX account by major credit reporting agencies. The attached credit report summary highlights conflicting information provided by TransUnion and XXXX that has negatively impacted my credit standing. 

Details of the disputed account : - Account Name : XXXX XXXX XXXX XXXX XXXX Account Status : Closed - Balance : {$0.00} - Payment History and Reporting Inconsistencies : - TransUnion reports all payment months as " OK, '' except XX/XX/XXXX, marked as " NR '' ( not reported ). 
- XXXX reports all months in XXXX as " OK. '' However, XXXX and XX/XX/XXXX are marked as " XXXX '' ( indicating a XXXX delinquency ), which contradicts TransUnion 's record XXXX 

The inconsistencies between TransUnion and XXXX, particularly regarding the payment status and delinquency history, do not meet the accuracy and completeness standards outlined in the Fair Credit Reporting Act ( FCRA ). Furthermore, these inaccuracies are unjustly affecting my creditworthiness. 

I request that the CFPB thoroughly investigate the inconsistent reporting by these credit bureaus and require XXXXXXXX XXXX XXXXXXXX XXXX to correct the errors in their account data promptly. A fair and accurate credit report is essential to my financial stability.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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!

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 2025-03-27 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: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a pastor of a local church here in XXXX florida. In the first XXXX weeks of XXXX, I celebrated my XXXX XXXXXXXX anniversary in which I received financial gifts from congregation, friends and churches, which came in the form of cash and checks. On XX/XX/XXXX I went to my bank, which is Truist, And deposit it cash and checks in the amount of {$6200.00}. After which, while remaining at the bank, I opened up a savings account which the banker transferred {$1100.00} from checking to savings. Also, she opened up a secured credit card in the amount of {$500.00} in which she transferred from the checking. Before leaving the bank, I realized I needed cash to pay my Tithe and I withdrew {$620.00}. On XX/XX/XXXX I woke up at XXXX AM to check my account and Saw a message on my mobile app saying that I must call the XXXX XXXX number to get details on why my account is closed. I never received a notice about fraud or closing of my account. After several attempts of calling speaking and visiting Truist bank. I still have no resolution and all of my bills are now behind. I just. 
Received a notice from XXXX XXXX. Which is my car lender saying that my car payment has been returned to the bank because my account is closed. 
Furthermore, I deposit my I church love offering that I receive every week. 
In the amount of 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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: CA

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 non-monetary relief
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
I am writing to formally dispute an unauthorized and fraudulent account that appears on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS XXXX HAPPENING! Credit bureaus are obviously failing to investigate when XXXX providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. 
I have identified the following account on my credit report that I did not authorize or provide written consent for and have no knowledge of : Accounts : First Premier : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX Inquiries : 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 2025-03-27 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:
XXXX failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing an ongoing harm to my credit standing I am requesting a media corrective action to remove or amend the disputed accounts as Equifax in action, violate my federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened a business account with XXXX XXXX Business Checking. I was approved. My debit card came i was able to activate it. It was about XXXX weeks of opening when i received my first deposit on XX/XX/XXXX in the amount of XXXX from my client XXXX & XXXX XXXX XXXX The money was available that day. Next day i checked my account and my money was gone. I have been dealing with them since then and I have done everything they have asked, and they even confirmed with XXXX and XXXX about the deposit on XX/XX/year> between XXXX Arizona time. They told me that was all they needed to process and call back the next day to get the restriction off. Well, i called back and they kept me on the phone for over an hour only to tell me they need to verify XXXX & XXXX. I told them she was verified the previous day by another rep. They did not want to hear that and she still said she would have to speak with her again. At this point i am under the impression they are stealing my money, and i have googled many other complaints like this with XXXX XXXX XXXX. As of today, they have not released my money, all my creditors are calling needing payment and i am not able to pay my business bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: FL

Complaint narrative:
Received bill from XXXX in XX/XX/year> stating I owe for lab tests. After researching the company I discovered it was a lab used by my physician. I spoke with my insurance agent and the billing department of the company ending with my insurance paying all the bill as it was initially billed incorrectly to my insurance. The billing department confirmed debt was paid in full. In XXXX I received a letter from XXXX stating XXXX they are a collection agency attempting to collect on this bill. I spoke with the representative of frost-arnett and XXXX requested submitted the EOB and other related documents showing that there is no debt owed by me. I was told they received these documents and that I would receive an email and a phone call from frost-Arnett company XXXX this was resolved. Its now 4 months later and XXXX recieving random texts from a company stating they are frost-Arnett and XXXX they are attempting to collect on a debt. This company needs to stop harassing me and deal with the company pathogroup that they bought this alleged debt from as theyve been paid. Someone is committing insurance fraud or theft and attempting to put the burden on the patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: MI

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been opened in my name and reported to the credit bureausEquifax, Experian and TransUnion. These accounts are appearing as adverse items on my credit reports and are negatively affecting my FICO score. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I submitted formal written requests to each credit bureau along with the required documentation, including : A copy of my government-issued ID A recent utility bill verifying my address An Identity Theft Report filed with the FTC and/or local law enforcement A Sworn Affidavit of Identity Theft A detailed list of the fraudulent accounts Despite fulfilling all legal requirements, the credit reporting agencies have either failed to respond, delayed action, or refused to block the fraudulent accounts within the required 4-business-day window. 

These failures to act in accordance with FCRA requirements have caused me undue stress and financial harm. The fraudulent information remains on my credit reports and continues to negatively impact my credit standing. 

Fraudulent Accounts in Dispute : 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  What I Want the Company to Do : I am requesting the CFPB to take the following actions : Investigate the failure of Equifax , Experian and TransUnion to comply with FCRA Section 605B.

Require Equifax, Experian, and TransUnion to permanently block and remove the fraudulent accounts associated with my identity theft claim. 
Ensure I receive an updated and corrected copy of my credit reports at no cost. 
Instruct the credit bureaus to notify the furnishers of the blocked items, as required by law. 

Company Name ( s ) : Equifax Experian TransUnion Product : Credit reporting Issue : Incorrect information on your report due to identity theft

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