vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued TransUnion for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
Recently I've discovered XXXX was fraudulent items restoring on my consumer credit file. It was blocked under fcra 605b but then reinserted. This fraudulent activity violates the fair credit reporting act. I was never wrote any letter informing me, the consumer that this fraudulent account would be placed again on my file. Once it's taken off, no CRA may reinsert it back on a consumer credit file. This is a monetary violation now. I've submitted the identitytheft report, a copy of my identification and now I'm submitting proof that it was removed and now my credit score has taken a XXXX plus hit over fraud. This is the same practices that the lawsuit was over and the CRA are acting outside their scope of boundaries. This is discriminatory and biased.

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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase restricted my account and are trying to close my account without an explanation which is illegal. I a check from someone and they didnt have money in the account at the time, and chase banks atm stole my {$6500.00}. This is not fair and it needs to be corrected I dont see how an account can be closed because I had XXXX bad check from a random person that paid my business. It wasnt even fraudulent and the person sent me another check because there were not any funds in the account before. I have clients to pay and invoices to take care of. This is not fair for a new member that has never banked with chase. If chase closes my account I will be sueing for discrimination, fraud, breach of contract, Breach of Fiduciary Duty and Negligence. This is not fair and I will take legal action if my business account is not kept opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Comerica
State: CA

Complaint narrative:
Been sick off from work for about a year. Last year around XXXX a electronic third party check came across my account. I had no knowledge of how the check was deposited. As a result I think the money was withdrawn and later I received a notice that the check bounced. By me being sick I did not respond in a timely manner. As a result I was reported to XXXX XXXX And it makes it very difficult to open up a new bank account. Numerous time I have tried to reach out to the fraud department in and effort to resolve this matter. But I get voice mail with no follow up call. My thing is I don't know how the money was deposited to my account but in good faith I was willing to pay the amount of the return check even though I did not deposit the check in my account. 
Just want to be able to receive my XXXX  check at a regular secure bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Block, Inc.
State: FL

Complaint narrative:
Ordered a disposable on XX/XX/XXXX when it arrived it came leaking and not as described i told cash app and even did multiple disputes trying to get my money back for some reason something always goes wrong when using cash app.They lie and make up stories, barely put in any work and say after further investigation no error occurred at all, refusing to refund or say they will forward it to their department for better service. It was {$17.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
In XXXX of 2018, I lived with a woman very briefly while I waited for an apartment to open that this woman had told me about. We discussed the apartment availability and she had me fill out an application that she said she would then take to this apartments landlord, and help me get into the apartment. I filled out the application, including my Social Security number, all of my contact information, my email address, everything. Suddenly, the woman asks me after around three weeks to leave her home. At this point, I had also paid her a deposit for the apartment. She ended up contacting me the weekend after she asked me to move out to say that the apartment was no longer available. Not only did I never receive a refund back for the deposit, but eventually this collection was added to my credit report, and the information provided by the cable company in question, confirmed that the contact information on the account was her address and phone number and the service location was her address at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
A collection account from " Fair Collections & Outsourcing '' is being reported on my credit file for a debt allegedly owed to " XXXX XXXX '' in the amount of {$2900.00}. The account was opened in XX/XX/XXXX and continues to report as a collection as of XX/XX/XXXX. 

This debt is not mine, and I never received any written validation or documentation from the collector. I have never signed any agreement or contract with the original creditor or the collection agency, nor have I authorized them to access or report my personal financial data. 

I submitted formal dispute letters to all three major credit bureaus ( Equifax, Experian, and TransUnion ), demanding validation and deletion of this account. I also specifically requested the following documentation from the bureaus and/or the collector : A signed contract or agreement proving I owe this debt A complete payment history from the original creditor Proof of assignment or transfer of the debt Documentation showing I gave permission for my data to be shared The collectors legal license to collect in my state Despite these requests, no validation documents were provided. The account continues to appear on my credit file, damaging my credit and financial standing.

Additionally, I cited a violation of 15 U.S. Code 1681, as this account involves nonpublic personal information being shared and reported without my knowledge or consent, which is a breach of my privacy rights. 

I am requesting that the CFPB investigate this matter, ensure the account is fully validated, and take action to require its removal from my credit reports if no valid documentation is presented.

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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: TN

Complaint narrative:
XX/XX/year> Opened mail to see a CashApp card I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
A data breach affecting all three major credit bureaus compromised XXXX XXXX records. Despite notifying each bureau and citing identity theft as the cause of my subsequent Chapter XXXX XXXX  filing, I have not received adequate assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
Avant/XXXX XXXX  has violated this dispute notice and innovation contract offer Incorporating UCC 3311 accord And satisfaction, FDCPA809, FCRA 623 and common law contract principles Pertaining to the credit card account Stating I owe {$1100.00} as of XX/XX/year> in the attached document here on this complaint. 

I specifically outline the recitals of the dispute innovation offer, which they completely ignored, although they agreed With the novation contract offer. I indicated that I disputed the validity, accounting and enforceability of the alleged debt under : UCC 3501 ( proper presentment requirements ) FDCPA809 validation requirements FCRA 623 accuracy and credit reporting and common law unjust enrichment principles.

This contract specifically outlined a binding offer of accord and satisfaction Under UCC 3311 indicating that if they cash the USPS money order and tender it that they agree to the terms of the innovation contract offer. Even though they did XXXX the nominal payment, they only updated it on my credit report subtracting the nominal {$15.00} amount that was tender, which was not a part of the agreement that they agreed to by tendering the money order. This is a direct violation. This is Negotiation/retention of funds with expressed or implied acceptance. 

Your ignorance to these laws does not excuse you from adhering to them. 

Upon tendering the money order, you were instructed to discharge all prior obligations of the specified account in the attachments, you also implied your acceptance that this debt is paid as agreed upon acceptance of the {$15.00} tendered money order that you cashed. 
The payment and acceptance protocol was violated. Once again, you agreed to full acceptance under UCC 3311 waiver of all claims to the remaining balance which you have not upheld. 

Please review the attached innovation contract offer that you received, but did not adhere to as this will be your final opportunity to adhere to what you agreed to buy tendering the {$15.00} nominal payment via USPS postal money order. 

Also, in the attachments you will find the receipt of the money order and the certified mailer that you signed for indicating that you received this dispute notice Innovation contract offer that was also notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been in constant contact with these companies asking for the inaccuracies that are being reported on my credit report to be removed. The companies are constantly responding with accounts being verified with no proof of the verification, or have not provided thorough results of their investigation.

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 2025-05-27 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance {$500.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-27 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: MI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-27 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief