vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: MA

Complaint narrative:
That on XXXX in violation of the FCRA -- TRANSUNION did commit inaccuracies and failed to properly investigate my dispute regarding the proper reporting of account authorized by me, they DELETED it in error : XXXXXXXX XXXX XXXX opened on XXXX, Application Number : XXXX of XX/XX/XXXX. Reported on all thee Credit Reporting Agencies on XX/XX/XXXX. They also refused to prove where in my dispute report of XXXX on page XXXX of XXXX that I even disputed said item -- to which I did not. According to FCRA XXXX ( XXXXXXXX XXXX XXXX ) items must be reinserted on Consumer Reports in the event of accidental/erroneous removal " the information was blocked in error ''. 
Items uploaded for proof of my written permissible purpose according to the FCRA : File XXXX : XXXX XXXX APPLICATION LETTER XXXX shows proof from XXXX that the Application was approved. 
File XXXX : XXXX XXXX XXXX Processing Update From XXXX XXXX XXXX, XXXX - ORDER # XXXX shows email time-stamp of account. 
File XXXX : XXXX XXXX XXXX shows proof of payment by e-check for said tradeline. 
File XXXX : user-agreement-nelson-a-simcock.pdf shows a certificate of proof with e-signature for contract to post said tradeline. 
File XXXX : XXXX shows items deleted in error must be reinserted. 
File XXXX : Disc XXXX deleted accident Dispute Invetigation Results_TransUnion Online Service Center.pdf shows notification of said item DELETED in error. 
File XXXX : XXXX shows TransUnion 's error of DELETED item.

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 2025-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
Summary : The bank mistakenly disbursed a property tax payment XXXX greater than the correct amount from our escrow account, causing our mortgage payments to increase by $ XXXX. Despite repeated calls and letters to correct this mistake, the bank has refused to resolve the issue, and they AGAIN disbursed an incorrect amount for the following quarter. The second wrong disbursement is estimated to increase our mortgage payment by another $ XXXX. 

Details : I reside in a single unit within a newly constructed, four-unit building. Until the city assigns separate parcel numbers, the entire building receives a single, combined property tax bill. 

On XX/XX/year>, I discovered that the banks XX/XX/year> property tax disbursement from our escrow account was {$7200.00}. This amount incorrectly represents taxes for the entire building instead of the 25 % share that our single unit owes. I immediately informed the bank of this error through their online messaging system the same day. 

On XX/XX/year>, I called the banks tax department for an update. The representative had no updates but provided me with a link to submit documentation from the city. Subsequently, I faxed and mailed a signed explanation letter along with the city 's documentation. 

On XX/XX/year>, I called the tax department again to alert them that our tax account was significantly overpaid and requested that they not disburse the upcoming XX/XX/year> payment. The representative assured me they would investigate and refund the correct amount back into the escrow account. 

On XX/XX/year>, I followed up with a letter reiterating our conversation from XX/XX/XXXX and explicitly instructed them again not to disburse any amount for the XX/XX/year> tax payment. 

Despite these communications, during a customer service call on XX/XX/year>, I was informed that the bank had fully disbursed the entire property tax bill for XX/XX/year>. They stated that their system does not allow them to adjust payments once a bill is received. This reveals a severe flaw in their system, as other banks in the area routinely accommodate partial tax payments for properties awaiting parcel separation. Indeed, the city explicitly instructs property owners to inform banks that only a portion of the billed amount is owed.

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
Consumer complaint received 2025-04-19 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: MD

Complaint narrative:
I just received my credit report on XXXX XXXX XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii ). At this point I Believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
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 Subject : Dispute of Unauthorized Inquiries on My Consumer Report Dear ChexSystems, I am writing to formally dispute several unauthorized inquiries listed on my consumer file. These inquiries were not initiated or authorized by me. I am requesting an immediate investigation and removal of these entries from my report, as is my right under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : [ Please fill in if known ] These inquiries were not authorized by me, nor were they associated with any applications or business transactions that I initiated. As such, I request a full investigation into each of these inquiries and a prompt resolution. If found to be unauthorized or inaccurate, I respectfully ask for their removal from my file. 

Enclosed are copies of my government-issued identification and a utility bill to verify my identity and address. 

Please respond within the XXXX timeframe allotted under the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
Requesting you Block and Remove Fraudulent accounts and inquiries from my Consumer Report. I am writing to inform you of a serious situation involving the compromise of my Social Security number, which has led to both an XXXX  and XXXX  data breach and identity theft. I have already reported this to the Federal Trade Commission and filed a report, which is referenced as FTC report number XXXX and included with this letter. In accordance with 15 USC 1681c-2 ( c ) ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information related to this identity theft from my credit report. This statute requires credit reporting agencies to address such requests promptly, within 4 business days of receiving a complaint containing the following information : XXXX Account : XXXX | XXXX Account # XXXX XXXX XXXX. XXXX | Balance : {$0.00} Account # XXXX XXXX XXXX. XXXX | XXXX : {$2300.00} Account # XXXX XXXX XXXX. XXXX XXXX | Credit Card | Balance : {$0.00} Account # XXXX XXXX XXXX. XXXXXXXX XXXX XXXX | Account # XXXX XXXX. XXXX | Account # XXXX, I want to underscore the gravity of this issue and my expectation for a swift and effective resolution. Should your response be inadequate, I will be forced to pursue legal action against your agency, as allowed by law. Please be aware that I will seek damages, including statutory costs, with each violation carrying a statutory fee of {$1000.00}, as specified in 15 USC. These violations include : -Defamation of Character - Negligent Enhancement of Identity Fraud - Violations of the Fair Credit Reporting Act - Non-compliance with 15 U.S. Code 1681o ( Civil liability for negligent non-complian ce ) - Non-compliance with 15 U.S. Code 1681n ( b ) ( Civil liability for willful non-compliance ) -Failing to comply with 15 USC 1692 ( g ) - Violations of 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) - Non-compliance with 15 U.S.C. 1681i ( 7 ) ( Method of verification ) - Violations of 15 USC 1681a ( 4 ) ( Right to privacy ) -Violations of 15 U.S. Code 1681c ( Requirements relating to information contained in consumer reports ) I am treating this matter with the utmost seriousness and request that you promptly block and remove the fraudulent account from my credit report. I have already provided all necessary information to facilitate this process. Please confirm receipt of this letter and provide a timeline for resolving this issue. Your prompt attention to this matter is greatly

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate of Birth: XXXX XXXX XXXXDate: XXXXEquifax Information Services LLCXXXX XXXX XXXX XXXX XXXX XXXXDear Sir/Madam:\nUpon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit reportXXXXIncorrect Information to Be RemovedXXXXIncorrect Address(es): XXXX XXXX XXXX XXXX XXXX XXXXIncorrect Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXorrect Information to Be ReportedXXXXFull Name: AXXXX XXXX XXXX XXXXCorrect Date of Birth: XXXXCorrect Social Security Number: XXXXCorrect Address: 1XXXX XXXX XXXX XXXX XXXX XXXX  have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my reportXXXXAdditionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activitiesXXXXRequest for Investigation and Procedures\nPursuant to Section XXXX(a)XXXX)(B)(XXXX of the Fair Credit Reporting Act (FCRA), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigationXXXXAdditional Request\nPlease note that any automated response generated through the XXXX  system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.XXXX also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided aboveXXXXRequest for CorrectionXXXX XXXXequest that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section XXXX of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within XXXX days, as required by lawXXXXThank you for your attention to this matter. I look forward to your prompt responseXXXXSincerelyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: MN

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX, I was scammed on cashapp for {$4300.00} by someone impersonating XXXX XXXX XXXX XXXX and now am unable to recover my money. I already made my bank aware and they are investigating it now. I am now letting you know so that I can somehow recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I hope all is well. XXXX writing to file a complaint on the minimum amount due of {$480.00} on my Macys XXXX, my bill has never been this high and I know the reason is because the agent gave me the wrong information in XX/XX/year> regarding my payment/billing and told me my payment was not going to retry so I made another payment and the original payment did retry and I dispute with my bank for me to get my second payment back because XXXX only required to make XXXX minimum payment a month. Now that this happened my bill has been extremely higher than normal. I know for a fact if the agent never gave me the wrong information my bill would not be this high. Your computer system is thinking XXXX missing a payment when I got my second payment back and it has offset my account. Please fix and adjust my account. My bill should not be {$480.00} this needs to be corrected or XXXX taken further action. I need to know the correct minimum amount I need to pay out of the {$480.00} to keep my account current? Who can look at my account and honestly fix it and understand what happened when your agent gave me the wrong information? Once your computer is adjusted and fixes my account my minimum payment will definitely go down because my account was completely fine until I received wrong information from your agent. Thank you for your time. Have a wonderful day!!

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 2025-04-20 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: FL

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.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-04-20 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: EQUIFAX, INC.
State: FL

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.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-04-20 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: WA

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 explanation
Consumer complaint received 2025-04-19 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: NJ

Complaint narrative:
I am submitting this formal complaint regarding the continued reporting and unlawful re-verification of a debt that was legally canceled by the creditor and reported to the IRS via XXXX XXXX on XX/XX/XXXX, in the amount of {$32000.00}. 

Despite presenting clear evidence of this cancellation, both TransUnion continue to report the account from XXXX XXXXXXXX XXXX XXXXXXXX. ( XXXX XXXX - Account XXXX. XXXX ) as active and derogatory. 

The account was verified through automated systemsspecifically e-OSCARwithout any manual investigation or supporting documentation, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). 

This reporting is inaccurate and misleading because the IRS has recognized this amount as income via a XXXX As such, the debt no longer exists and can not be legally reported or collected. 

This conduct constitutes the following violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( D ) : Failure to notify other CRAs after resolution.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification upon request.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing knowingly inaccurate information.

15 U.S.C. 1692e ( 8 ) : Under the FDCPA, misrepresenting a canceled debt as collectible. 

I also invoke recent legal actions and precedents : XXXX v. XXXX XXXX XXXX XXXX must be meaningful and supported. 

XXXX XXXX TransUnion XXXX CRAs must go beyond simply forwarding data. 

XXXX v. TransUnion The method of verification must be traceable and evidence-based. 

CFPB v. XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX. XXXX ( C.D. XXXX, XXXX XXXX, XXXX ) CFPB sanctioned XXXX for failing to conduct proper investigations and relying on automated systems. 

The continued reporting of this account despite clear IRS documentation and legal notice causes me significant reputational and financial harm.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account opened with XXXX XXXX  XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account opened with XXXX XXXX  XXXX XXXX XX/XX/year> 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