vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-26 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: MO

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-26 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: WI

Complaint narrative:
This is not a duplicate report and this is not found by a third-party or credit repair agency in accordance with the fair credit reporting act XXXX. These accounts below has violated my rights according to 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section to it also states a consumer reporting agency can not furnish an account without my reading instructions Furthermore, please provide the following number one the original contract with my signature on it number two creditor information, name, address, and phone number of original merchant, the payment history and itemized billing associated with each account proof of ownership prove that the company trying to collect this debt has authorized to do so if you cant provide these four things, please delete these accounts from my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: WI

Complaint narrative:
This is not a duplicate report and this is not found by a third-party or credit repair agency in accordance with the fair credit reporting act XXXX. These accounts below has violated my rights according to 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section to it also states a consumer reporting agency can not furnish an account without my reading instructions Furthermore, please provide the following number one the original contract with my signature on it number two creditor information, name, address, and phone number of original merchant, the payment history and itemized billing associated with each account proof of ownership prove that the company trying to collect this debt has authorized to do so if you cant provide these four things, please delete these accounts from my credit report. Thanks.

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 2025-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
My car ( XXXX XXXX XXXX with XXXX miles ) was involved in a auto accident on XX/XX/XXXX. I was not at fault. The insurance company of the individual who was at fault declared my vehicle was a total loss and paid my lien holder Kia Finance {$18000.00} towards my principal loan balance on XX/XX/XXXX. I filed a Gap claim on XX/XX/XXXX. This claim of course is suppose to cover a gap between the value of the car and a remaining amount of the principal loan with certain exclusions which are listed in the contract. I have met every asked obligation as far as needed paperwork i.e. official accident report, copy of purchasing contract, copy of gap insurance contract, copy of extended warranty contract, copy of declaration of my auto insurance policy, copy of my payment history, photos of my vehicle, payoff amount from the dealership ( which I sent several times because of their delay tactics ), letter stating my account is in good standing ( I have never been late in payments ). Mind you as this is going on I continue to make my payments to Kia on time but I do not have an automobile. Every time I call XXXX XXXX XXXX at XXXX option XXXX. I am told that my case is under review by their Total Loss dept. I am never allowed to speak to the adjuster handling my claim to determine any specific reason for the holdup. If I could I would resolve it immediately with 24 hours. That is the time duration for me regarding any requests by them. I am a senior citizen who needs a car desperately but being on a fixed income I can not pay my present car loan and purchase another car. The balance of the principal loan is {$6000.00}.

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 explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/year>, I was refunded {$300.00} from XXXX XXXX to a Citibank card that I no longer have ( card ending in * XXXX ). I contacted Citi customer service department several times via phone after this for a refund and was told that this would be handled ; however, nothing has been done. In XXXX, I received a letter asking me to resend an email, which is strange because I never sent one in the first place. I did follow up to send an email to their customer service on XX/XX/XXXX and I received a response XX/XX/XXXX, which was nonsensical as it referenced a previous letter, which I had never sent. 

I have attached all documentation below, which backs up my claim. 

This has been going on for almost five months. I would like this matter be addressed and that a refund check be sent to my address ASAP.

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My checking account had insufficient funds to cover the amount needed. The bank put bill through even though they knew it was not enough to cover the bill putting me in a negative. This was on Tuesday XX/XX/year>. Call bank up to ask why they keep doing this. Ask for corporate number, was given the run around for over XXXX minutes. But instead of giving me corporate number they put another woman on the phone. I was told by XXXX woman, it wouldn't happen again. On Friday XX/XX/year> they did the same thing, put another bill through with insufficient funds and put me in the negative instead of stating insufficient funds. This is a pattern with 53 Bank. Is this legal to screwing over there customers for profit and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies. 

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued. 

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Issue : Failure to properly investigate dispute within 30 days under the Fair Credit Reporting Act ( FCRA ). 

Details : I disputed a bankruptcy listing on my credit report with Experian, asserting that the information was inaccurate. Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), Experian was required to complete a reasonable investigation within 30 days.

Experian failed to respond within the required timeframe. I escalated the matter to my State Attorney General 's office, who contacted Experian on my behalf. Experian did not respond timely to the Attorney General 's initial inquiry and only after a follow-up did Experian claim they were " still investigating. '' However, that same day, Experian sent me dispute results stating the information was " verified, '' without evidence of a reasonable investigation. 

Per the FCRA, because Experian failed to complete the investigation within 30 days, the disputed information must be deleted from my credit file. Experians actions violate my rights and have caused ongoing harm to my creditworthiness.

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a complaint regarding a check deposit hold placed by Bank of America on my account, which I believe is improper and in violation of Regulation CC guidelines. 

I have been a Bank of America customer since XX/XX/XXXX. My account has maintained a positive balance with no returned checks, no overdrafts, and no suspicious activity. 

On Thursday, XX/XX/XXXX, I deposited a check into my account. At the time of deposit, Bank of America provided a notice that the funds would be available on XX/XX/XXXX. I received both an initial deposit confirmation and an email reflecting the same availability date. 

However, later that day, I received another notification stating that the availability date had changed to XX/XX/XXXX. After speaking with a Bank of America representative by phone, I was told the date was instead XX/XX/XXXX. No representative has been able to clearly explain the reason for the inconsistent availability dates. 

Bank of America has repeatedly changed the funds availability date without providing proper written notice or a valid justification, as required under Regulation CC. I have asked for a manual review of the hold and a clear reason for the delay, but I have not been given any formal response or resolution. 

Given my positive account history, the inconsistencies in communication, and the lack of regulatory compliance, I respectfully request that : A manual review of the deposit hold be performed immediately, Bank of America provide a written explanation for the hold extension under Regulation CC, And that my deposited funds be made available without further unnecessary delay. 

I am requesting the CFPBs assistance in ensuring Bank of America complies with applicable banking regulations and addresses this issue appropriately.

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 2025-04-26 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 am writing to file a complaint regarding a severely inaccurate tradeline appearing on my credit reports ( Experian, XXXX XXXX XXXX ) from XXXX XXXX XXXX ( also listed as XXXX XXXX XXXX XXXX XXXX XXXX  ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to 'follow reasonable procedures to assure maximum possible accuracy ' of the information they report. The original loan amount for this account was {$3400.00}. However, my credit reports show a past due balance between {$4200.00} and {$4200.00} as of XX/XX/XXXX. This inflated balance is factually incorrect and does not reconcile with the initial loan, demonstrating a failure to ensure accuracy as mandated by 15 U.S.C. 1681e ( b ).

Furthermore, the 'Status ' of the account is contradictory and misleading, violating 15 U.S.C . 1681c regarding the reporting of inaccurate and misleading information. The report states, 'Creditor can not locate individual. {$3700.00} written off ' while simultaneously indicating a substantial past due amount and displaying a payment history with repeated 'XXXX XXXX XXXX Charge Off ) entries dating back to XX/XX/XXXX, culminating in a 'Charge Off as of XXXX XXXX '. The account is also incorrectly classified as an 'open ' 'Sales Contract ' despite this charge-off status. 

I previously disputed this inaccurate information with the credit reporting agencies, triggering their obligation under 15 U.S.C. 1681i ( a ) to reinvestigate and delete unverifiable information. My Experian report ( Report XXXX : XXXX, generated XX/XX/XXXX ) indicates that a reinvestigation was completed, with the comment 'Completed investigation of FCRA dispute XXXX consumer disagrees. ' The continued presence of these significant inaccuracies, and the slight increase in balance after a recent reinvestigation ( 'This item was updated from our processing of your dispute in XXXX XXXX ' ), strongly suggests that the credit reporting agency failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ). 

This also indicates a failure by XXXX XXXX XXXX to meet their obligations under 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to 'correct and update ' or 'delete ' information they can not verify. The persistence of these fundamental errors after my dispute implies that XXXX XXXX XXXX did not adequately investigate and rectify the inaccurate reporting. The ongoing reporting of this inaccurate tradeline is causing harm to my creditworthiness

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 2025-04-26 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: FL

Complaint narrative:
I am disputing late payments reported for XX/XX/year>, XX/XX/year>, and XX/XX/year> on my Experian credit report for XXXX XXXX XXXX, Account # XXXX. 

For XXXX and XX/XX/year>, my account was under an active forbearance plan approved by the creditor. Under Section 4021 of the CARES Act, accounts in forbearance that were current prior to the accommodation must continue to be reported as current. Reporting these months as late is inaccurate and violates federal law. 

For XX/XX/year>, my payment was made on XX/XX/year>, which falls within the creditors grace period. Therefore, it should not be reported as late. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate information and request a prompt reinvestigation. 

Please investigate these inaccuracies with the furnisher, correct the errors, and update my credit report to reflect an accurate payment history. I have supporting documents available upon request. 

Thank you for your 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 explanation
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies. 

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued. 

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

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 2025-04-26 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: TX

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX XXXX, to Experian Information Solutions on my Auto Loan, XXXX XXXX, Unsecured Loan, account XXXX for the date XX/XX/XXXX. This reporting is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX someone stole my XXXX  card from my phone and hacked into my bank account, emails and other applications. I went into a Regions branch on XXXX XXXX XXXX XXXX XXXX and told the details to the XXXX XXXX XXXX XXXX over 2 days. He was supposed to shut down my old account, transfer funds, and open a new account with a new debit card on XX/XX/XXXX when I went into the branch. The morning of XX/XX/XXXX I went into my Regions account online and saw that the old account ending in XXXX was still open and fully funded. The new account was also open and now had a negative balance with transactions from the day before. I never received a closing account statement or receipt for transfer of funds. This now leaves me open to further fraud and the inability to get any money out of my banking account. Further, Regions took money out of my old checking account related to a different fraud situation with XXXX XXXX ( I never received my full order ) yesterday as well. This is absolutely horrible and irresponsible financial behavior and extremely upsetting to someone who has been a victim of 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 explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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