vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Inaccurate Late Payment Reporting by XXXX XXXX Account XXXX in : XXXX Dear CFPB Representative, I am writing to formally respond to XXXX XXXX communication dated XX/XX/XXXX, regarding their reporting of 30-day late payments on my account ending in XXXX. While I acknowledge enrollment in the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, I dispute the manner and basis on which the account was reported delinquent during the months of XX/XX/XXXX to XX/XX/XXXX. 
Here are the key points of my dispute : XXXX. Program Enrollment Should Have Suspended Negative Reporting : The purpose of enrolling in a financial hardship program, particularly one initiated by the creditor, is to offer relief and support during difficult timesnot to continue or initiate derogatory credit reporting. Upon enrollment, XXXX XXXX had an opportunity to work with me constructively. Instead, the account was marked as 30 days late continuously, even after the XXXX was in effect. This defeats the intent of financial relief and may be viewed as punitive. 

XXXX. Failure to Provide Adequate Notice or Options Prior to Reporting : I did not receive sufficient and timely warning that my account would continue being reported late after entering the XXXX. Any reporting of negative activity during this time may be considered misleading under the Fair Credit Reporting Act ( FCRA ), particularly if no new delinquency occurred post-enrollment. 

XXXX. Good Faith Efforts to Comply : I made a good faith effort to address my financial obligations through the XXXX, which XXXX XXXX approved. Continuing to report late payments after accepting me into a relief program contradicts both the spirit and expected function of such programs. 

XXXX. Request for Fair Resolution : I respectfully request that the CFPB re-examines XXXX XXXX justification and encourages them to either remove the late payments reported during the XXXX period ( XX/XX/XXXX to XX/XX/XXXX ) or update the record to show Paying under XXXX XXXX XXXX in line with updated XXXX XXXX credit reporting guidelines for accounts in hardship arrangements. 
Please consider this formal complaint and assist in ensuring fair and accurate credit reporting as required by the FCRA and the principles of consumer protection. 

Sincerely, 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Inaccurate Late Payment Reporting by XXXX XXXX Account XXXX in : XXXX Dear CFPB Representative, I am writing to formally respond to XXXX XXXX communication dated XX/XX/XXXX, regarding their reporting of 30-day late payments on my account ending in XXXX. While I acknowledge enrollment in the XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX, I dispute the manner and basis on which the account was reported delinquent during the months of XX/XX/XXXX to XX/XX/XXXX. 
Here are the key points of my dispute : XXXX. Program Enrollment Should Have Suspended Negative Reporting : The purpose of enrolling in a XXXX XXXX XXXX, particularly one initiated by the creditor, is to offer relief and support during difficult timesnot to continue or initiate derogatory credit reporting. Upon enrollment, XXXX XXXX had an opportunity to work with me constructively. Instead, the account was marked as 30 days late continuously, even after the XXXX was in effect. This defeats the intent of financial relief and may be viewed as punitive. 

XXXX. Failure to Provide Adequate Notice or Options Prior to Reporting : I did not receive sufficient and timely warning that my account would continue being reported late after entering the XXXX. Any reporting of negative activity during this time may be considered misleading under the Fair Credit Reporting Act ( FCRA ), particularly if no new delinquency occurred post-enrollment. 

XXXX. Good Faith Efforts to Comply : I made a good faith effort to address my financial obligations through the XXXX, which XXXX XXXX approved. Continuing to report late payments after accepting me into a relief program contradicts both the spirit and expected function of such programs. 

XXXX. Request for Fair Resolution : I respectfully request that the CFPB re-examines XXXX XXXX justification and encourages them to either remove the late payments reported during the XXXX period ( XX/XX/XXXX to XX/XX/XXXX ) or update the record to show Paying under XXXX XXXX XXXX in line with updated XXXX XXXX credit reporting guidelines for accounts in hardship arrangements. 
Please consider this formal complaint and assist in ensuring fair and accurate credit reporting as required by the FCRA and the principles of consumer protection. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
My wages have been garnished by Andrew, Palma, Lavin, & Solid, PLLC and I have paid off all my debt except the interest that the firm is entitled to which I am not disputing. They reached out to my employer to try to illegally obtain not only the interest for this amount but interest for a past debt that was settled by another law firm and paid in full to the same creditor. I have that stipulation letter stating that future interest is waived so why are they trying to collect interest on that debt?? I have initiated contact via email asking for a response and evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$610.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX 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
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am writing to lodge a formal complaint against Kimball, Tirey & St. John ( hereafter KTSJ ) regarding the continued reporting and attempted collection of an account that was confirmed to be fraudulent and the result of identity theft. In XX/XX/year>, KTSJ acknowledged that the lease agreement underlying this collection action was opened using fictitious documents and false identities. My cousin, who was also listed on that same lease for a property in XXXX XXXX, California, provided proof of identity theft and successfully had the identical account removed from his credit report. Despite that confirmation, the account remains on my credit report and in KTSJs internal records. 

Prior to submitting this complaint, I sent written disputes to the address KTSJ listed on the collection account, clearly stating that the debt is not mine but was incurred through identity theft. I likewise disputed the account with all three nationwide credit reporting agencies ; under federal law, each bureau forwarded my dispute to KTSJ. Nonetheless, KTSJ neither provided verification of the debt nor ceased reporting or collecting on it, in direct contravention of the Fair Debt Collection Practices Act. After an initial removal from my credit file, the account was later readded without explanation, and KTSJ has maintained it on their systems and continued collection efforts.

Thank you for your prompt attention to this matter and for enforcing compliance with the FDCPA on behalf of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( XXXX  ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-04-21 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: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file. 

Failure to comply with these requirements will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I am also prepared to pursue legal action for negligence and failure to correct known inaccuracies, which can include statutory damages, legal fees, and other costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
Received numerous harassing calls at all hours, emails, texts, was threatened to be sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
This is not the first time and it wont be the last the chase branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX United States this the exact address Everytime i come into this chase it is a rude tone with the managers all the way down to the employees. 

The Managers Do Not Care And It Seems Like They Are Egging It On. 

there was only one bank teller there and she was the nicest taller XXXX lady and very respectful. she was the reason i even started an account and honestly i dont go back to this location unless i have too because how the employees treat you and talk to people. 

the rudeness makes me want to close my account and go elsewhere with my money. 
this bank is right by my house but instead i choose to go to different locations because of the rudeness. 

i dont want to sound like that lady but this is constantly happening and at this point its getting concerning. 

i want someone to know how horrible i get treated every time i walk in this chase to do a 10 second transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I woke up today to discover an unauthorized inquiry on my credit report, and Im honestly really upset about it. I double-checked to make sure it wasnt a mistake, even refreshed my browserbut the inquiry stayed. I want this issue addressed right away, and I need you to go over the documents Ive submitted carefully so I can finally have peace of mind.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have disputed an account being reported by Toyota Financial Services to XXXX. The account is currently in XXXX XXXX, and I have submitted documentation to both the furnisher ( Toyota ) and the credit bureau ( XXXX  ). Despite this, XXXX continues to report the account negatively without reflecting its " disputed '' status as required under FCRA 623 ( a ) ( 3 ). 

I formally requested that XXXX investigate the accuracy and update or remove the account. Instead, XXXX  has only marked the dispute as " updated '' without addressing the core issue or providing a clear explanation. 

This continued reporting is inaccurate and harmful, and I am requesting that the CFPB investigate and enforce correction or removal of this tradeline in compliance with the Fair Credit Reporting Act. 

Supporting documents are available, including my dispute letters + certified mail receipt, XXXX XXXX XXXX XXXX, and XXXX 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: LEXISNEXIS
State: OH

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 explanation
Consumer complaint received 2025-04-21 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 50. financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
In XXXX 2025, I was scammed by a fraudulent investment platform called XXXX. As part of the scheme, I was instructed to send {$4100.00} via PayPal to a person pretending to be a financial advisor. After I sent the money, I was denied withdrawal access and realized it was a scam. I immediately reported the issue to PayPal and requested a refund. 

PayPal denied the refund, claiming the transaction was a personal payment, despite the evidence of fraud. I have filed official complaints with the FBI 's IC3 and XXXX. I believe PayPal should have investigated the recipient 's account and taken action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  I had an unauthorized charge for {$620.00}. I called multiple times afterwards to file the dispute and it kept getting denied. I asked for the evidence of the dispute and was only provided the evidence I submitted showing it was not me. There was never evidence of the merchant nor a response. I then filed a complaint with the CFPB on XX/XX/year>XXXX  with all the charges. I am still missing the {$620.00} charge from XXXX. I called in XXXX asking what happened with this XXXX charge back after waiting the 30 days that the merchant had to respond. They then told me the dispute was denied and I requested the documents. I never received any documents. I asked to file the charge back again and was told it would be. It is now 91 days after this conversation and I still have not received the funds nor have I received any evidence. I called today and spoke to a supervisor and was told that there still wasnt a charge back filed even after being told 3 different times that there was. The supervisor told me again that they can send an email over with the documents showing was it was denied. Yet, to have received any documents after 120 days and have been lied to. Its unbelievable that they can keep going on with this lie. I have waited about half a year for this charge back that was never submitted after being told it was. Also have waited over 120 days for evidence on why my claim was denied and still havent received anything.

Company response to consumer: Closed with explanation