vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, as highlighted in administrative proceedings against them for similar violations. I request that Equifax complies with federal law and provides consumers with necessary proof of investigation. 
These are the accounts i mark as inaccurate : Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} - Account XXXX XXXX XXXX {$1300.00} - Account number : 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 2025-02-15 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: NY

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. 

1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2025-02-15 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: NY

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. 

1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2025-02-15 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I have sent in a dispute letter to have information provided that shows proof of debt and a contract. Have not received anything from the creditor reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to fix and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$7000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to fix and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$7000.00}

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 2025-02-15 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:
I am submitting this complaint to formally challenge the errors in my credit report and request compensation from Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further substantiated by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which exposes Experian 's failure to thoroughly investigate consumer disputes and its improper reinsertion of incorrect information into consumer reports. 

The following discrepancies in my credit report demand prompt correction or removal :

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 2025-02-15 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: CO

Complaint narrative:
Credit Bureau XXXX XXXX : XXXX. The correct balance for XXXX XXXX account ending in # XXXX is {$6400.00} as of XX/XX/XXXX which is not what's stated on my report which has caused my score to decrease by XXXX points on TransUnion and by XXXX point on Experian which is causing me financial distress. I was closing on a mortgage loan on XX/XX/XXXX however, since my credit score has dramatically changed, my lender will not close until my score reverts back to XXXX. XXXX XXXX has agreed to complete an off-cycle update to the bureaus however, their process is taking too long which has severely delayed my loan closing timeline. Please update the card balance. 

XXXX. The correct balance for XXXX XXXX account ending in # XXXX is {$3400.00} as of XX/XX/XXXX which is not what's stated on my report which has caused my score to decrease by XXXX points on TransUnion and by XXXX point on Experian which is causing me financial distress. I was closing on a mortgage loan on XX/XX/XXXX however, since my credit score has dramatically changed, my lender will not close until my score reverts back to XXXX. XXXX XXXX has agreed to complete an off-cycle update to the bureaus however, their process is taking too long which has severely delayed my loan closing timeline. Please update the card balance.

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 2025-02-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Colony Brands, Inc.
State: LA

Complaint narrative:
Swiss Colony claims I paid them in full it is the FCRA claiming I didnt paid Swiss Colony in full have my credit report saying negative in collections/ charge off when the collection saying I paid in full so FCRA doesnt want to change my credit report when they r years old. I paid Swiss Colony

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
My information was compromised in a, data breach with experian and XXXX  are so many things on my report that aren't mine. I tried to get help from Experian and they told me that I had to figure it out and clear it up with tge credit agencies. XXXX are so many things on my report and accounts that I never owned. It's too much stuff to fix on my own.

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 2025-02-15 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: NV

Complaint narrative:
Equifaxhas 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 unverified accounts unresolved. The consumer financial protection bureau. Hass recently filed a lawsuit against equifax alleging, systematic issues such as failing to forward, consumer provided evidence to furnisher, accepting unreliable responses and and failing to adequately notify consumer of dispute outcomes. These failures align with my experience where equifax neither corrected or resolved disputed items despite evidence I have provided causing harm to my credit standing. I am requesting. Immediate corrective action. To amend or correct the disputed items. As Equifaxs actions, violate federal law, and my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have recently opened a new account with Citibank and received my second direct deposit on XXXX XXXX at approximately XXXXXXXX XXXX. I attempted to transfer {$2100.00} to my XXXX XXXX account, as that is my default checking account that I use to pay my XXXX loans and credit cards, and I received an alert indicating that my access was locked. I called the number given and the lady told me I need the fraud department but they dont open untiXXXX XXXX XXXX Upon calling Citibank 's fraud department at approximately XXXX XXXX I was informed that an investigation was underway, and it would take 24-48 hours. The rep couldnt tell me what the investigation was for. I asked if I would still be able to withdraw money from the atm and I was told yes. At approximately XXXXXXXX XXXX I attempted to withdraw {$1500.00} from the atm, but the machine told me to contact my bank. I checked my app and at this time it wouldnt allow me to access the home page at all and was saying the account was locked. I called back the fraud department and dealt with a rep named XXXX. Initially XXXX gave me the story about the investigation and couldnt tell me what triggered it and what it was for. She said I would have to wait an additional 24-48 hours. I mentioned speaking to a manager and she made it seem like she could assist me, but all she did was spend 40 minutes asking me personal and verifying information from my address to my social security number, to come to the same conclusion that I would have to wait 24-48 hours, but this time it was for a letter with a code so I can call back and verify myself. I asked to speak to a supervisor and was transferred to XXXX who spent another 20 minutes asking me the same questions previously asked and doing nothing. He gave me the same response as XXXX. It was only when I confronted him with similar reviews online that were similar to what I was currently going through, and how theyve been lying that he finally revealed its not 24-48 hours, but really 7-10 business days.

As Ive frequently explained I am a XXXX XXXX whos paid by the XXXX XXXX XXXX XXXX  The funds that theyve frozen is my direct deposit from my 2 week paycheck. Combined with the money that was already in the account I have {$3200.00} that I can not access, and bills that I can not pay. The bank NEVER ONCE sent a text message or email to the number and email address used open the account. They NEVER sent any communications that there was any suspected fraud.

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 2025-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Citizens Bank regarding unauthorized charges that have occurred despite my repeated requests for a stop payment on my account. 

At least three months ago, I called Citizens Bank to place a stop payment on any future transactions from XXXX. Despite this request, last month, Citizens Bank allowed XXXX to access my account and withdraw funds. Upon noticing this, I immediately called the bank and filed a complaint regarding the unauthorized charge. Less than a month later, the same issue occurred again : XXXX withdrew funds from my account, despite the stop payment request still being in place. 

As a result, I requested for my debit card to be replaced and instructed the bank to refer to my previous calls for further details. I find it extremely difficult to believe that a bank I have been with for more than 20 years is allowing this to happen not once, but twice, with no adequate resolution. 

Now, I am being asked to provide documentation for the most recent transaction where the bank failed to comply with my stop payment request. I believe this is an unjustifiable error, and I am concerned about the handling of my account. It is important to note that I have been a loyal customer of Citizens Bank for over two decades, and this situation has caused unnecessary stress and confusion. 

In addition, I would like to bring attention to Regulation E ( Electronic Fund Transfer Act ), which requires financial institutions to honor valid stop payment requests made by customers to prevent unauthorized transactions from being processed. Under this regulation, if a stop payment is issued correctly, banks are obligated to prevent the associated payments from being withdrawn from the customer 's account. The repeated failure of Citizens Bank to honor my stop payment requests seems to be a violation of this regulation, and I respectfully ask that this issue be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally file a complaint against Chime Financial regarding the repeated denial of my disputes for unauthorized transactions on my account. I believe Chime has failed to adequately investigate these incidents and has employed unfair dispute resolution practices. Furthermore, I am concerned about a recent attempted fraudulent transaction on my account. 

During my period of incarceration, several unauthorized transactions were made from my Chime account. Upon discovering these unauthorized activities, I promptly notified Chime and initiated the dispute process. I provided comprehensive documentation to substantiate my claims, including : * Official records verifying my incarceration, clearly demonstrating my inability to authorize financial transactions during the relevant period. 
* Detailed information about the specific unauthorized transactions in question. 
* A letter from another financial institution approving my dispute based off of the same evidence submitted. 

Despite providing conclusive evidence, identical to that which has been accepted and approved for a refund by another financial institution, XXXX XXXX XXXX XXXX, Chime has consistently denied my disputes. The denial letters have been vague and have failed to provide a substantiated rationale for the denial of my claims. Moreover, Chime has informed me that they will not accept my letter as a basis to open another new rebuttal. 

1. Denial of Disputes : Chime has repeatedly denied my claims for unauthorized transactions, despite the compelling evidence I have provided. This demonstrates a failure to adequately investigate these disputed transactions. 
2. Unfair Dispute Resolution : Chime 's dispute resolution process appears to be unfair and arbitrary, as they have disregarded evidence that has been accepted by another financial institution. 
3. Insufficient Explanation for Denial : Chime has not provided a clear, detailed explanation for the denial of my claims, making it difficult to understand the basis for their decisions. 
4. Recent Attempted Fraud : On XX/XX/year>, there was a recent attempt to make a fraudulent transaction on my account for {$320.00}. While this transaction was thankfully prevented, it further underscores the need for Chime to take my security concerns seriously and thoroughly investigate all suspicious activity on my account. 

I have been a victim of financial fraud and have taken all reasonable steps to resolve this issue directly with Chime, without success. I believe Chime 's actions are a violation of consumer protection laws. I look forward to your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
There was a Billing Error incurred on my XXXX XXXX XXXX account on XX/XX/year> in the total amount of {$370.00} from reseller / vendor XXXX XXXX XXXX comprised of : {$320.00} in goods not delivered, and {$57.00} in goods not agreed i.e. XXXX items that I felt were misrepresented on the website however I havent been granted an opportunity to return them for a refund. 

Based on everything that I have witnessed during the past year : XXXX. In conducting their ( ongoing ) investigation of a billing error notice alleging the non-delivery of property or services under XXXX ( a ) ( XXXX ), Synchrony has repeatedly denied ( or at a minimum attempted to deny ) the assertion without conducting a reasonable investigation to determine that the property or services were actually delivered, mailed, or sent as agreed. As outlined in this report I have contacted XXXX  myself, obtained concrete evidence of non-delivery and submitted this to Synchrony along with a XXXX reference number. They have seemingly never contacted XXXX  themselves and have never made any effort to explain to me why they are unwilling or unable to refute, or even merely address, the evidence that I have furnished them straight from the XXXX XXXX. 

XXXX. In conducting their ( ongoing ) investigation of a notice of billing error alleging an unauthorized transaction under XXXX ( a ) ( XXXX ), Synchrony has failed to properly offer any sort of recourse to this issue after I submitted evidence that I attempted to initiate a return on XXXX of the items that were delivered to my address. XXXX XXXX XXXX ( XXXX ) ceased communicating with me after I had offered to send back the items while paying return shipping at my own expense. This was immediately explained to Synchrony when I initiated the dispute, yet XXXX only proposed solution regarding resolving this problem thus far is to contact the seller to deal with it myself which I would be happy to do if the seller was still being communicative.

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 monetary relief