vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair XXXX accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, XXXX unfair credit reporting methods undermine the public confidence which is essential XXXX 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 XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent XXXX willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-04-28 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: SC

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: 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 accounts 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.

Documentation Still Required : 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX of this year, Chase bank informed me that both my Checking and Savings account were going to be closed unless I provided the contact information of a person who gave me checks as a manner of payment. Since Chase doesn't allow people to go into a branch to clear/verify this information and since they can not call an international number, on the XXXX of XXXX my accounts were closed. During this whole process, they indicated to me that my accounts were closed and that I would get the balance of the accounts would be mailed to me in the form of checks. As of now, those checks are yet to be delivered. While calling Chase again, they decided to reveal just now that because of them not being able to clear the checks they would hold on to my money, even when they know to a full extent the amount of money that was in my account before said checks were deposited, money that was never in question and that is being held without reason. I am currently owed a check for XXXX USD ( the amount of the checking account ) and a check for XXXX USD ( the amount on the savings account ). While trying to clear the checks they never held to the money, they deposited the amount directly into my savings account, which has compromised my money and has tangled it with the disputed amount. In the savings account, the three checks cashed amount to XXXX USD. I accept to not receive those funds, but my other XXXX should not be impacted. On my checking account, I got a payment deposit for the amount of XXXX dollars the day before my accounts were to be closed. Those type of deposits had never been in question before, and happened regularly. Chase wants to argue now that those payments were also under scrutiny from them. I also would like to point out that in both final statements for both amounts, there are transactions listed as Debit DDA- Check Charge with imply the drafting of the checks pertaining to my balance, but now they refuse to send them under terms that were never comunicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding an incorrect late payment reported by XXXX XXXX XXXXXXXX on my credit report. The reported late payment for XX/XX/XXXX was inaccurate. After disputing this with XXXX XXXX XXXXXXXX, they acknowledged the error and, in a letter dated XX/XX/XXXX, confirmed that they have submitted a request to the credit bureaus to remove the late payment history. Despite this confirmation, the inaccurate information remains on my credit report. XXXX XXXX XXXX stated that it may take up to 60 days for the credit bureaus to update the report, but I am concerned about the continued negative impact on my credit score. I am requesting confirmation that the correction has been made and for the credit bureaus to update my records immediately to reflect the accurate payment history.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXXXXXX XXXX XXXX  Balance {$1300.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$820.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$2300.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance {$2100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$22000.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance {$2000.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance {$1700.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance {$1100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX  Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX O Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX 2023

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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
Well cash app after I reported some fraudulent changes just closed my account and wouldn't even give me a reason of why I have to appeal there decision or why they can't give Me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Around XXXX XXXX2025 {$260.00} certified XXXX validation was sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.Accounts in Question XXXX XXXX XXXX BALANCE {$1200.00} XXXX XXXX XXXX BALANCE {$3700.00} XXXX XXXX XXXX XXXX BALANCE {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I have made multiple payments on the credit card, XX/XX/XXXX I paid XXXX never was the money available to me. I was told the payment was returned and the next payment in XXXX didnt process due to the account number somehow being wrong! I have proof that it went through from my bank. She is dismissing me. I have multiple late fees that should not be on there, was never any money on this credit card that I paid! Honestly, I think that they are a fraudulent credit company and I would like to pursue charges if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
Loan : XXXX Property : XXXX XXXX XXXX, XXXX, NC XXXX I have had damage to my home. The insurance company will be issuing me a check for approx {$41000.00} that will need endorsed by RoundPoint. I have reviewed the Insurance Claim Package provided to me and require answers to the following questions : I contacted the phone number on your website on XX/XX/XXXX and the rep told me they couldn't answer my questions. 

XXXX ) I would like to know the legal authoriy on which you stand to require the Affidavit of Repair Agreement/Contract XXXX ) I would like to know the legal authoriy on which you stand to require the Affidavit and Certification of Intent to Repair ( I can not find that I have agreed to this in the mortgage documents that I signed at closing ) XXXX ) I will be performing a portion of the work myself, how is that handled? 
XXXX ) The check will need to be endorsed before I can commence repairs and I will have to put down a deposit. The package almost makes it seem as though Roundpoint intends to hold the check XXXX until inspections are conducted. This will prevent repairs from being complete. 
XXXX ) Round Point bought my mortgage in XXXX and since that time you have harassed, bullied, and provided horrible customer services. Is there a way to have my mortgage services by a more reputable company? 
XXXX ) What is the correpsondance address for your legal counsel so I can provide it to my attorney? 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my third formal dispute regarding an inaccurate XXXX late payment reported by XXXXXXXX XXXX on my credit file ( Account XXXX XXXX XXXX XXXX XXXX XXXX, Date of late payment : XX/XX/year> ). 

I previously submitted two disputes directly to the credit bureau ( s ) and provided clear notice that the reported late payment was inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, the credit bureau ( s ) failed to conduct a proper reinvestigation or provide any documentation verifying the accuracy of the late payment, in violation of FCRA 1681i and 1681e ( b ). 

Specifically, no evidence was provided showing that XXXX XXXX mailed billing statements at least XXXX days before the due date ( as required under 15 U.S.C. 1666b ), nor was there any valid documentation supporting the late payments accuracy. 

The continued reporting of this inaccurate information, after multiple disputes, constitutes willful noncompliance with federal 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 explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXX XXXX XXXXXXXX

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

TRANSUNION has violated my rights. 

XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

I looked at my TransUnion XXXX Experian credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC XXXX they are suppose to 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 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