vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor.

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$200.00} Date Opened : XX/XX/year>, Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers.

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigatedandremoved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Call XXXX XXXX XXXX XXXX  about me not seen my credit score. On XX/XX/XXXX they finally transferred me to a supervisor to help me with a lock on my account. They also deleted my account only and I cant register it back. They are reporting inaccurate information on my credit report. 

Incorrect personal information : This can range from misspelled names to incorrect addresses, Social Security numbers, or birthdates. These errors can lead to confusion and misattribution my credit 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 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX XXXX XXXX regarding an account I have with them XXXX * * * * I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : WAYPOINT RESOURCE GROU ( Original Creditor : XXXX XXXX ) XXXX * * * * Balance : {$160.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with WAYPOINT RESOURCE GROU buttonoavail.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
The complaint is against TransUnion. I applied for a personal loan with XXXX XXXX XXXX XXXX and was denied. One of the reasons was that TransUnion informed them I had a XXXX credit score. However, when I logged in to TransUnion website to see my score, my score read XXXX. I called TransUnion to verify the conflicting information. However, they only responded that the information online about my credit is correct. However, they send incorrect information to the financial institution. Lastly, they told tme to contact the financial institution, which I did. The financial institution only informed me that they paid TransUnion for the report, and that the information obtained from TransUnion was that I have a XXXX credit score. In all three credit reporting agencies, I have an over XXXX credit score. Moreover in TransUnion reflects a credit score of XXXX, nevertheless, they informed the financial institution that I have a score of XXXX, been this completely inaccurate. This score was also taken into consideration when my request for a loan was reviewed, as it lowered my bracket in the score rating, resulting in denying the requested loan.

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 2025-06-07 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AR XXXX XXXX XXXX Dispute of Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. I recently obtained a copy of my credit report and noticed the following inquiries that I do not recognize and did not authorize : 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 XXXXXX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I did not authorize these credit checks and have no existing relationship with the companies listed. Therefore, I am requesting that these inquiries be investigated and removed from my credit file. 

Please provide written confirmation of the results of your investigation and a corrected copy of my credit report once the inquiries have been removed. 

Thank you for your attention to this matter. I look forward to your prompt response within the timeframe required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
We received an email offer from Citizens Bank within the past week to open a savings account. The promotional offer was to open a new account with a {$250.00} deposit, and then to make subsequent {$250.00} deposits for XXXX more months. Then, by XX/XX/XXXX, we would receive a bonus of {$250.00} deposited to our checking account. 

On XX/XX/XXXX, we visited our local branch and spoke to acting XXXX XXXX, who asked for a copy of the offer. Although my wife and I had both read the details of the offer, neither of us saw that it needed to be brought to the bank and we had not kept it. XXXX reviewed our information online and did not see the offer available, even though she acknowledged that the offer details were accurate, including the bonus of {$250.00} being credited to a checking account. She told us we could still open a savings account but no bonus would be available and then also repeatedly mentioned that we were eligible for a CD offer. At that point, we felt that this was sounding like a bait and switch as she said she could not offer us the account we had come in for, and that there were no supervisory or other support staff that we could speak with. 

It seems reasonable that if a bank sends you an offer then they should be able to locate it in their records, especially when they confirmed the specific offer details. XXXX repeatedly stated that their system only listed offers sent through regular mail, but not email offers, and she did not know of anyone at the bank who would have that information. That really didnt make sense to us so we requested that she escalate this matter to her supervisor. 

To resolve this, we would want to be able to open the savings account that was originally offered to us. Citizens should be able to locate the email they sent us with all offer details and then be able to complete this. 

Please let us know if you need any further information. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX Tx XXXX Receivable Management XXXX XXXX XXXX # XXXX XXXX, PA Re : Request for Debt Validation Under the Fair Debt Collection Practices Act Dear Receivable Management, I am writing in response to a [ call/letter/email ] I received from your agency on [ insert date ] regarding an alleged debt. I do not acknowledge this debt and request validation as provided for by the Fair Debt Collection Practices Act, XXXX XXXX. XXXX. 

Pursuant to my rights under federal law, please provide the following information : The amount of the debt ; The name of the creditor to whom the debt is currently owed ; A detailed statement of the original debt including the original creditor and account number ; Verification or a copy of any judgment ( if applicable ) ; Proof that you are authorized to collect on this debt ( chain of custody or assignment of debt ) ; The name and address of the original creditor, if different from the current creditor ; A copy of the signed contract or agreement bearing my signature ( if applicable ) ; The date of last payment and when the debt became delinquent. 
Please note that until this debt has been validated, you must cease all collection activities, including reporting the debt to credit bureaus, as required under XXXX XXXX. XXXX ( b ).

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 2025-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
My name is XXXX XXXX Phone Number on account : XXXX Checking Account Number : XXXX On XX/XX/XXXX, my chime Checking and Savings accounts were BOTH abruptly and unilaterally closed without any warning, investigation details, or prior notice. 

I contacted chime support on the day of the account closure and was told by a representative that they arent required to tell me why the account was closed. 

I contacted Chimes customer service AGAIN on XX/XX/XXXX at XXXX am EST, and the representative told me the accounts were closed due to not complying with internal policies. However, they would not elaborate on what specific policies I allegedly violated, and I was told I would not be issued a refund or check for the funds remaining in my account because the account has been closed and there will be no further explanation. 

Chime has refused to release my money, provide a breakdown of the account activity, or give me any written notice explaining the account closure or the exact amount of funds held. I have committed no fraudulent or illegal activity. This is a violation of my rights under federal banking and consumer protection laws. 

I am willing to take further legal action if this issue can not be resolved. 

Violations : Electronic Fund Transfer Act ( XXXX ), XXXX XXXX Code XXXX Chime must investigate and resolve errors related to unauthorized or withheld transfers. Refusing to return legally owned funds with no due process or communication violates these protections. 

XXXX. CFPB XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ) Regulation XXXX governs consumer rights in electronic banking. Holding a consumers funds indefinitely, without formal notice or justification constitutes unfair or deceptive practices. 

XXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), Dodd-Frank Act ( XXXX XXXX XXXXXXXX, XXXX ) Chimes failure to clearly communicate a reason for account closure, combined with its refusal to return my funds, is an unfair and abusive practice, prohibited under federal law. 

Right to Due Process Even private financial institutions must provide transparency and access to account balances unless theres a legitimate and documented reason to hold the funds, such as fraud or legal XXXX neither of which has been communicated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: PA

Complaint narrative:
i have mailed transunion a letter asking them to investigate and verify all information and accounts on my report on XX/XX/2025 and i have not received and investigation letter back.

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 2025-06-07 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: LA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-06-07 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:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States XXXX Law ( TILA ) XXXX XXXX XXXX XXXXXXXX ( b ), billing error.

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 2025-06-07 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:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-06-07 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my 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 2025-06-07 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: GA

Complaint narrative:
I am submitting this complaint because several credit reporting agencies and/or creditors have failed to respond to my formal dispute letters within the 30-day timeframe required under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S. Code 1681i ) .

I submitted written disputes regarding inaccurate or unverifiable information on my credit report, and included all supporting documentation. According to the FCRA, these agencies are required to investigate and respond within 30 days. As of today, I have not received any response or resolution. 

This lack of response violates my rights under federal law, and I am requesting that the CFPB take appropriate action to enforce compliance. I am also attaching copies of the dispute letters I sent, along with proof of mailing and dates, to support my complaint.

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 2025-06-07 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: GA

Complaint narrative:
I am submitting this complaint because several credit reporting agencies and/or creditors have failed to respond to my formal dispute letters within the 30-day timeframe required under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S. Code 1681i ) .

I submitted written disputes regarding inaccurate or unverifiable information on my credit report, and included all supporting documentation. According to the FCRA, these agencies are required to investigate and respond within 30 days. As of today, I have not received any response or resolution. 

This lack of response violates my rights under federal law, and I am requesting that the CFPB take appropriate action to enforce compliance. I am also attaching copies of the dispute letters I sent, along with proof of mailing and dates, to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I want Portfolio Recovery Associates to stop reporting these accounts immediately on all credit bureaus ( XXXX XXXX XXXX XXXX ). I want them to remove both accounts completely and permanently from my credit reports, since they were already closed by Equifax and they have not provided any valid proof, contract, or signature that shows I owe this debt. 

This is my third complaint and I demand a full deletion of these accounts and confirmation that they will not be reported again in the future.

Company response to consumer: Closed with explanation