vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XX/XX/XXXX Balance : {$270.00} XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXX Balance : {$92.00} XX/XX/XXXX XX/XX/XXXX Balance : {$14000.00}XX/XX/XXXX Balance : {$0.00} -XX/XX/XXXX ( Original Creditor : XX/XX/XXXX ) XX/XX/XXXX Balance : {$1000.00} XX/XX/XXXX ( Original Creditor : XX/XX/XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XX/XX/XXXX Balance : {$270.00} XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXX Balance : {$92.00} XX/XX/XXXX XX/XX/XXXX Balance : {$14000.00}XX/XX/XXXX Balance : {$0.00} -XX/XX/XXXX ( Original Creditor : XX/XX/XXXX ) XX/XX/XXXX Balance : {$1000.00} XX/XX/XXXX ( Original Creditor : XX/XX/XXXXXX/XX/year>

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 2025-02-11 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 XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XX/XX/2025 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Information Violation of FCRA and CFPB Consent Order To Whom It May Concern, This is a formal dispute of inaccurate and unverifiable information on my Equifax credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681. Your company has a legal obligation to conduct a reasonable investigation of disputed items and provide a thorough, good-faith review of the accuracy of the information. However, recent actions by the Consumer Financial Protection Bureau ( CFPB ) confirm that Equifax has failed to uphold these legal obligations. 

the CFPB ordered Equifax to pay {$15.00} million for improperly investigating consumer credit disputes. This enforcement action proves a clear pattern of negligence and noncompliance with federal law regarding consumer disputes. If Equifax failed to properly investigate my dispute as required by the FCRA, then the continued reporting of inaccurate information constitutes willful noncompliance, exposing your company to further legal consequences. 

The following items on my report are inaccurate, unverifiable, and causing undue harm to my creditworthiness : All balance, fraudulent accounts, incorrect payment history, etc. 

Per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified as accurate within 30 days, you must delete it from my report immediately. Any failure to comply with this request will be viewed as a willful violation of federal law. Given the CFPB 's recent enforcement action against Equifax, I will not tolerate any further mishandling of my dispute. 

If you fail to properly investigate and resolve this matter, I am prepared to escalate my complaint to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My states Attorney Generals office Potential legal action for damages due to your continued violations of the FCRA I demand a written response confirming the deletion of these inaccurate items within 30 days as required by law. Failure to comply will result in immediate escalation of this matter. 

This letter serves as an official notice under the FCRA. Preserve all records related to my dispute, as failure to properly investigate may subject Equifax to additional fines and legal liability. 

I expect a timely, lawful response and full compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: GA

Complaint narrative:
The National debt relief ( Robert S. Gitmeid Law and Associates, PLLC ) posed as if they could negotiate settlements for me with every credit card company that had already received full payment for the cards under the obligation of the US, see 18 U.S.C. 8 defines " obligation or other security of the United States '' and includes bills, checks, and drafts. Being that they are in the practice of law, they mislead me to believe that they could settle debt which was already paid. They continued to take my hard earned money and lead me to believe that they were doing me a favor. I ordered for all my money they took from my bank account refunded and to cancel the program. They instead charged me lawyer fees and gave no full refund. They preyed on my fiat currency to fund their illegal practice. Also national debt relief uses XXXX for payments to be processed on XXXX outline of payment, it clearly says that if you want your payments remitted back to your personal bank account to call or send a letter. I called and was told that I needed to contact National debt relief. Completely unacceptable and unlawful against my rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
Had my credit card from First Hawaiian Bank ( FHB ) XXXX years now. Never was delinquent on my accounts. Kept my owing balances low. Got a letter dated XX/XX/XXXX, letter is advising me First Hawaiian Bank-FHB is closing my accounts with no explanation within the letter. I called on XX/XX/XXXX asking Why? Spoke to XXXX XXXX Card Manager who said, First Hawaiian Bank is closing my cards due to : " Too many Disputes ''. XXXX XXXX went on to say that it is FHB right to close my accounts per Credit Card Agreement. In the letter it wants me to mail back my cards to : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX within XXXX week after receipt of this letter dated XX/XX/XXXX. I did Nothing wrong. I do not have too many disputes. In XX/XX/XXXX XXXX charged my account for XXXX then when I called to dispute I was told by FHB representative that XXXX also charged my account on XX/XX/XXXX too. So I told representative that I NEVER order Prime and my orders from XXXX is always charged with shipping in them. I told representative that to put a dispute for Both XX/XX/XXXX and XX/XX/XXXX on that same call. But that representative did not do that so when I got my XXXX statement I had to call again to make sure they dispute that XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I timely filed complaints for incidents involving XXXX and XXXX XXXX. Problems with vendor continued. I refiled main complaints, i.e. complaint involving stream of complaints against vendor -- both known to turn the refunds or transactions around, i.e. issues full refund and later reverses refund and issues partial credit without notice and without report of what credit is for ( too subjective in decision making ), and bank also does not report when such change occurs. Criminal activities usually accompany such actions, such as stealing statements and record keeping and replacing with new statements, even if temporarily. After refiling main complaints, BarclaysCard stopped communicating. Didn't assist.

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 2025-02-11 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: NY

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
My information was accessed by the unauthorized personnel currently invading the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Re : Urgent Request - Fraudulent information Block under Section XXXXB of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
There is inaccuracies in my name, DOB, and fradulent addresses and phone numbers on all my account. have reached out to all three credit furnishers and non of them have respoded or provided proof of the request for removal of all the aforementioned accounts, name, addresses, phone numbers, employers and inquires soft and hard sustained by these companies 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX a check in the amount of {$380000.00} was deposited into our joint checking account at Bank of America. At the time of the deposit I was told a hold would be placed on the funds for seven days and we would not have access to our money untilXX/XX/XXXX. I complained that 7 days was an excessive amount of time for a bank to earn interest on our funds given the technology at their disposal to quickly process routine transactions such as this. I was told there was nothing I or they could do to reduce the hold time. 

It gets worse. On XX/XX/XXXX I received and email from Bank of America indicating the funds would not be available until XX/XX/XXXXXX/XX/XXXX. Twelve days is an inordinate amount of time for our funds to be held out of our disposal. I would be a rich man if I could earn interest on other people 's money in this fashion.

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 2025-02-11 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:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: 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 USC 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 , has violated my rights. 
XXXX U.S.C. XXXX Section XXXX A, states I have the right to privacy. 
XXXX U.S.C. XXXX Section XXXX A section 2, states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX U.S.C. XXXX. ( 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 and crimes which antedates the report by 7 years. 
XXXX U.S.C. XXXX ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-11 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: IL

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights 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 explanation