vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of accountXXXX XXXX XXXX - XXXX - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to meto report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 



Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



I have identified that the statements for myXXXX XXXX XXXXhave not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 



Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : date of reported late payment : XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2024 I went to a local Bank Of America branch and deposited my government tax refund check in which the bank accepted my check and placed a five day hold on the check and the funds would be available on XX/XX/2024. Once the date in which the funds were suppose to be available I went back to the bank to withdraw money to purchase a vehicle and was told that my account was closed and the money had been sent back to the its which was a paper check. I spoke with the internal revenue their saying no funds were returned to them and the check would have been reissued to me from the bank if there was an issue. As of now the bank still has my funds and cant give me any info!!

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: 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
XXXX has 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 XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 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: CA

Complaint narrative:
Citi is not helping with my dispute. Citi has made a mistake on there end for letting time pass. I did and provided everything necessary for the case. Merchant has not responded with anything valid to win the case but yet citi is sided with them due to there mistakes during the dispute process.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint against the Department of Education XXXX XXXX for inaccurate and non-compliant credit reporting on eight ( 8 ) active XXXX  loan tradelines listed on my Experian credit report. These accounts contain multiple Metro 2 and FCRA violations that have not been corrected, despite prior disputes. 

Key Issues : 1. Payment History Violations : The accounts report repeated patterns of ND ( no data ) and 90 ( 90 days late ) month after month, sometimes back-to-back, without continuity or explanation. This is not consistent with proper reporting practices outlined in Metro 2 field codes XXXX. 
2. Inaccurate Account Status Reporting : These accounts remain open, with extremely aged delinquency notations dating back several years. This raises red flags under Metro 2 Field XXXX ( Account Status ) and Field XXXX ( DOFD Date of First Delinquency ). 
3. Unverified or Unsubstantiated Derogatory Information : Despite my previous disputes, no documentation has been provided to validate the accuracy of the derogatory information, as required under FCRA 1681i. 
4. Failure to Correct Known Errors : Several of these accounts were previously disputed, yet the credit reporting remains unchanged. This may constitute negligent or willful noncompliance under FCRA 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX contacted my stepfather about my debt and informed them legal action will be taken. Then when speaking to person, there statement was Do you want to take care of this debt or be seen in front of the judge No information about a payment will be sent until after I finish paying my debt.

Company response to consumer: Closed with explanation
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: CA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
I went to withdraw my funds from CashApp and it auto selected the instant option. When I tried to click on the instant option to change it to regular ACH and avoid the fee, it pushed it through with Face ID before I could cancel. I contacted support and they said there is nothing they could do about it. My case number with them is XXXX.

Company response to consumer: Closed with explanation
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 information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX - Account # XXXX Balance : {$1700.00} It appears to me that the information provided might not be in line with industry standards. 
Every piece of data we report must be perfect and adhere strictly to accepted standards. I kindly ask that any inconsistencies be reviewed and removed right away. It is a call to action emphasizing the negotiable significance of accuracy and consistent adherence in each entry. 

XXXX  XXXX - Account # XXXX Balance : {$1800.00} Please check your reports for errors as soon as possible. It is crucial to follow the industry 's compliance guidelines by presenting data that is validated and supported. These reports must be accurate because any deviations could have negative repercussions. Please take this as a directive to quickly and thoroughly review and remove these errors. It is your duty to make sure that all data conforms with the standards set by the sector. Action is what I expect. Await confirmation with interest. 

XXXX - Account # XXXX Balance : {$620.00} Given the importance of data fidelity, it is your responsibility to make sure that all information reported strictly complies with the relevant standards. I have to immediately remove any accounts that don't meet this strict requirement from my profile. 

XXXX  XXXX - Account # XXXX Balance : {$440.00} Given the significance and influence that credit reports have on people 's lives, it is imperative that you adhere to industry standards. The inconsistencies in my report that blatantly defy accepted standards worry me. You must act to examine, confirm, and make sure that each piece of data satisfies the stringent requirements stated. It is necessary to remove the found errors. I implore you to speak to them.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have carefully reviewed my report and found a collection account that does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information. Pursuant to 15 U.S. Code 1681i ( a ), upon receipt of this dispute, you are required to investigate the disputed information. 

The account : XXXX XXXX # XXXX Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 
I have carefully reviewed my report and found a collection account that does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information. 

Pursuant to 15 U.S. Code 1681i ( a ), upon receipt of this dispute, you are required to investigate the disputed information. Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in 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 2025-03-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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: 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called Chase Bank to make a fraud claim. ( XX/XX/XXXX ) They told me that the transaction that was made half a continent away from me was not fraud. So I am now liable for the {$350.00} stolen from my bank because Chase thinks its possible to go from XXXX  to XXXX  in 2 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a call from XXXX stating the male was from Chase bank and told me that someone tried to open an account with my personal info and were trying to use my celular number to send two XXXX  transfers, {$500.00} and {$1000.00}. They told me that I needed to call XXXX fraud and gave me another number XXXX to call and report the fraud. I called that second number and the male had a heavy foreign accent. They told me that someone had my Id and tried to open a XXXX  account, the only way to fox the issue is to verify that my XXXX  was still working. At this point I realized it was a scam and told the man I knew it was a scam and he insulted me. I hang up after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Dennis Dillon Auto Park and Truck Center, Inc.,
State: ID

Complaint narrative:
Northwest Leasing repossessed the vehicle without notice. I attempted to contact them to make the payments and set up payment arrangements however they did not respond to my request to discuss and when I called they didn't return my phone call. Instead, they repossessed the vehicle without notice. I do not know the account number as they NEVER provided copies of my contract and refused to send me statements for my payments or lease account.

Company response to consumer: Untimely response
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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.

Company response to consumer: Closed with explanation
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: KY

Complaint narrative:
I was given a guaranteed XXXX loan in XXXX of XXXX. Over the years it was serviced by I dont know how many servicers well in XXXX. I went back to college and that amount along with the new amount that I borrowed from XXXX XXXX serviced by XXXX XXXX Starting XXXX I became 100 % service connected XXXX veteran in XXXX and XX/XX/XXXX of XXXX. All my loans were discharged paid fulfilled.. as of today on all three credit bureaus. It states that the loans were transferred and closed and it also states that the first loan was in nine of XXXX, so I lose all that credit history.. I have disputed it multiple times all three credit bureaus and nothing happens. I talked to XXXX and write on the document that XXXX sent them and the one they sent me states that the first disbursement was given XXXX XXXX all of these credit bureaus app tells you to call them and when you call them, they tell you go to the app well, this is severely affecting my ability to obtain credit with no relief in sight.

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