vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX : Complaint Regarding Equifaxs Handling of Credit Report Disputes Dear CFPB, I am writing to formally file a complaint regarding Equifaxs handling of my credit report disputes. Equifax has repeatedly labeled my legitimate disputes as " frivolous '' and employed tactics that delay the resolution of inaccuracies in my credit report. Below, I outline the details of the situation and the specific stall tactics I have encountered : Details of the Dispute 1. I submitted a dispute to Equifax regarding inaccuracies in my credit report, specifically the XXXXXXXX XXXX XXXX XXXX account being inaccurately reported as Collection/ Charge off in fact is inaccurate. The Collections Verbiage needs to be removed. The last Payment activity is Not XX/XX/XXXX, the last Payment to settle this account was XX/XX/XXXX. 


XXXX. Despite providing detailed documentation, including [ list evidence, e.g., settlement letters, payment receipts, etc. ], Equifax responded by labeling my dispute as frivolous without providing any explanation or evidence to support their claim. 


XXXX. I have attempted to resolve this issue through but Equifax continues to employ stall tactics, including : They can't locate a credit file, they need more identification, I've disputed too many times in the last 90 days and they won't be conducting any further investigations. 

Requesting repeated documentation that was already provided. 

Sending vague responses such as " verified as accurate '' without explaining their investigation process.

Failing to meet the 30-day response deadline mandated under the Fair Credit Reporting Act ( FCRA ).

Equifax 's Failure to Comply with FCRA Under the FCRA, specifically 15 U.S.C. 1681i, Equifax is required to : Conduct a reasonable investigation of disputes.

Remove or correct information that can not be verified. 

Provide clear explanations for their decisions. 


Equifax has failed to uphold these obligations, leaving inaccurate information on my credit report and harming my financial standing. 

Request for CFPB Assistance I request the CFPB investigate Equifaxs handling of my disputes and take appropriate action to ensure compliance with the FCRA. Specifically, I ask that the CFPB : 1. Require Equifax to conduct a proper investigation into my disputes.

2. Ensure that Equifax provides detailed explanations for their findings. 


XXXX. Hold Equifax accountable for any FCRA violations. 



Attached Documentation I have included copies of the following documents for your review : Original dispute letters sent to Equifax. 

Supporting evidence submitted with my disputes. 

Equifaxs responses to my disputes. 

Proof of mailing and delivery for all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: MO

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
I am complaining about the experience of purchasing the XXXXXXXX XXXX XXXX ( XXXXncomm company ) but the card was locked on the 1st transaction. I have called and emailed them all the required documents they need. They promised this would be refunded by check but after 3 months I have not received the money. They have asked me to send documents last week but i sent the case has been closed by their system and been marked as no response from my side. I talked to customer service and supervisor they told me I needed to wait another 3 weeks for a response since they did not get my documents. The case # XXXX, 1st email sent on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I request that this account be removed from my XXXX, XXXX, and XXXX credit report for the violations of the Fair Credit Reporting Act ( FCRA ) 15 usc 1681 which states a creditor is legally obligated to report accurate information about a consumer 's credit history to credit bureaus, as mandated by the Fair Credit Reporting Act.

1 ) Credit acceptance Co reported to XXXX that the last payment was on XXXX XXXX. However, Credit acceptance Co reported to XXXX that the last payment was on XXXX XXXX. Therefore, it violates 15 usc 1681 to report accurate information to the credit bureaus about a consumer 's credit history.

2 ) Credit acceptance Co reported to XXXX that payment status was in repossession. However, Credit acceptance reported to XXXX that payment status was in repossession, in repossession. Which is once again a violation of the Fair Credit Reporting Act. 
3 ) Credit acceptance Co reported to XXXX that the account was closed on XXXX XXXX. However, Credit acceptance Co reported to XXXX that the account was closed on XXXX XXXX. Which is another violation of the Fair Credit Reporting Act. 
XXXX ) now Credit acceptance Co when reporting the last payment was not the last payment of the consumer but the last time that a payment was made when Credit acceptance Co sold the vehicle at auction.

5 ) with credit acceptance Co reporting so many inaccuracies to the credit bureaus how can anyone validate the accuracy of information that credit acceptance Co is reporting to the credit bureaus.

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 2025-01-02 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-02 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: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-01-02 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: VA

Complaint narrative:
I had an outstanding balance with XXXX XXXX on a closed account. A closed account, which had already been charged-off but they were still reporting it as delinquent. 
I paid the balance of {$420.00} IN FULL on XX/XX/XXXX. 
The funds were immediately extracted from my bank account. 
As of today, the information status is still the same on my credit reports. 
I spoke to a representative today, XX/XX/XXXX, and was told it won't show as settled until around XX/XX/XXXX. And it will take MONTHS for the status to change on my credit reports. It is not fair that my money was taken and they refuse to formally acknowledge it was PAID IN FULL in a timely fashion. It should NOT take this long! XXXX XXXX 's practices are unfair. I just want this rectified so I never have to deal with them again.

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 2025-01-02 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: VA

Complaint narrative:
I had an outstanding balance with XXXX XXXX on a closed account. A closed account, which had already been charged-off but they were still reporting it as delinquent. 
I paid the balance of {$420.00} IN FULL on XX/XX/XXXX. 
The funds were immediately extracted from my bank account. 
As of today, the information status is still the same on my credit reports. 
I spoke to a representative today, XX/XX/XXXX, and was told it won't show as settled until around XX/XX/XXXX. And it will take MONTHS for the status to change on my credit reports. It is not fair that my money was taken and they refuse to formally acknowledge it was PAID IN FULL in a timely fashion. It should NOT take this long! XXXX XXXX 's practices are unfair. I just want this rectified so I never have to deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: ME

Complaint narrative:
In XXXX of XXXX I purchased a XXXX XXXXXXXX XXXX from a Dealership called XXXX XXXX in XXXX Maine. I was financed through Credit Acceptance Corporation. They neglected to tell me that the XXXX was used as a plow truck prior to my purchase and they also had put an illegal state inspection sticker on it. After 6 months of having the vehicle I was experiencing a lot of issues with the electrical and was made aware of the plow harness that was still attached and that it was causing multiple issues, as well as spending over {$4000.00} just to keep it running. I had taken the truck to get a new inspection sticker and an oil change after having it for a year at the mechanic I use because he specializes in XXXX and he refused to do the oil change and refused to put a sticker on it. He then proceeded to show me the under carriage of the truck and to show me how badly rusty and deteriorated it was and told me it was not a safe vehicle. He also explained that the amount of damage on the vehicle did not happen within the year of me owning it. I explained my issue and concerns to the finance company Credit Acceptance and they were unwilling to work with me so ultimately I told them I needed to surrender the vehicle because the payments I was making monthly was {$750.00}. Which at that time I had never missed a payment. I stopped making the payments and parked the vehicle in my yard for them to tow it away. The truck sat In my yard for 11 months which during this time they proceeded to try to take money from my account plus added late fees. They accused me of me of trying to hide the vehicle which was not at all true I voluntarily surrendered the vehicle. Because of Credit Acceptance and the dealership XXXX XXXX my credit has been destroyed and left me in a very vulnerable situation. I feel very taken advantage and consider them a highly predatory lender.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I went to a Citibank branch at XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX in person to request to close my checking account and get my funds back. I presented my ID to prove that I am the owner of the account. They refused my request and told me I need to call their fraud department to unlock it first. Actually I called many many times and their fraud department was quite unprofessional and never helped. None of XXXX, XXXX or XXXX offers such horrible fraud services. 
How can not a person with ID close his account? Why he still need to prove himself as himself to the fraud department? Isn't in-person proof more convincing than online identity verification? Does Citibank have the right to keep my funds and I, as the owner, have no access to my own money? I will keep complaining about this until they closed my account and get my money back. I will keep the right of sueing them.

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 2025-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
Some of my payments for my PSLF were not counted ( XXXX  payments ), even though all of my employers signed the certifications and all timeframes were accounted for. When attempting to submit my w-2 for further supporting documents, the system would not allow me to proceed. Lastly, when my loan was forgiven none of my extra payments ( above the 120 ) were considered for refund. I have an approximate amount of XXXX  payments should be refunded. The two agencies are Ed Financial Services and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXXXXXX XXXX XXXX Date : XX/XX/2025 Experian XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Student Loan Information Subject : Request for Correction Based on Consumer Protection Laws Dear Experian, I am writing to formally dispute the accuracy of the information concerning my student loans as reported in my credit report, which I received on [ XXXX XXXX XXXX XXXX  ]. I believe that the information is incorrect and request that it be reviewed and corrected as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

The specific information I am disputing is as follows : Student Loan Account ( s ) : Dept. Of EducationXXXX XXXX XXXX XXXX Discrepancy/Issue : XXXXeporting wrong acct. status, Duplicate acct. reporting According to the FCRA, you are obligated to ensure that all information reported is accurate and up to date. I have included supporting documentation to help clarify the discrepancy, such as : Account statements Proof of payment Correspondence with the lender ( s ) I request that you investigate this matter and correct any inaccuracies in my credit report. Please provide me with an updated copy of my credit report reflecting the corrected information once your investigation is complete.

Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If the information is found to be incorrect or unverifiable, you must remove or correct the erroneous data as per the law. Please notify me in writing of the results of your investigation as soon as possible.

If you need any further documentation or information from me, please feel free to contact me directly at the address or phone number listed above.

Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation