vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 ( FCRA ), 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 This includes the prompt correction of outdated or incorrect information.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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding two collection accounts that are inaccurately being reported on my credit report. 
The company, National Credit Adjusters , LLC, is reporting two debts, XXXX in the amount of {$5000.00} and another in the amount of {$1000.00}, that are not properly verified. 
Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete and accurate. I initially requested verification of these debts on XX/XX/XXXX, via email, requesting documentation such as signed contracts and full itemized accountings. 
I received no sufficient validation in response. As of today, XX/XX/XXXX, I have followed up again requesting proper validation and reminding the company of its obligations under the FCRA and FDCPA. 
National Credit Adjusters , LLC has failed to provide sufficient evidence that these debts are valid or that they belong to me. Continuing to report unverified debts is a violation of FCRA Sections 609 and 611.

These inaccurate collection accounts are causing significant financial harm by negatively impacting my credit score and limiting my access to housing and financial opportunities. 
I respectfully request that the CFPB require National Credit Adjusters , LLC to immediately delete both unverifiable accounts from all consumer reporting agencies. 
I am attaching proof of my previous and current dispute attempts for your review. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX reported a XXXX late payment on my auto loan account. 
However, my vehicle had been declared a total loss after an accident, and during that period, the insurance company was processing the payment to settle the loan balance. 

I was not delinquent and did not miss any payments intentionally. 

After a dispute, XXXX  completed an investigation and corrected my report to show Paid, Closed/Never Late, confirming that no late payment occurred. 

I am attaching : The XXXX dispute resolution confirming the correction. 
The Total Loss Settlement Letter from XXXX XXXX. 

I respectfully request the removal of the inaccurate late payment from my TransUnion credit report.

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 2025-04-28 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: FL

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 ( FCRA ), 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disagree with the account listed below, which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. Please provide the names and business addresses of each individual with whom you verified the above information so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

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 2025-04-28 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:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
We are a small business. We operate a check cashing store in XXXX, Mn and we verified an official check issued by Truist Bank so that we could cash it for a customer. We made contact with representatives from Truist Bank and they verified the check for us. We became the " holder in due course '' of the check following our cashing it. We did our due diligence in verification and cashed the check in good faith. We received the check back last Wednesday XX/XX/XXXX. The check is in the amount of {$6800.00}. It is dated XX/XX/year>. It is made payable to XXXX XXXX and the purchaser is XXXX XXXX XXXX who is his sister. We made contact with representatives of Truist Bank on Thursday XX/XX/XXXX. Spoke with XXXX from Truist Customer Care Center in XXXX, TN. He stated that he did not have any record of the check being returned, only that it had been issued on XX/XX/year>. We contacted XXXX XXXX, a supervisor in the Truist Bank Fraud Dept. We spoke at length and I asked to please be informed as to who initiated the stop payment and whether it was because of fraud, customer dispute, lost or stolen issue or mishandling by bank employees. XXXX XXXX refused my requests. We again contacted Truist Bank on Friday XX/XX/XXXX. Spoke with XXXX XXXX another supervisor in the Truist Bank Fraud Dept. After receiving legal advice, I again repeated my requests from the previous day to tell me who initiated the stop payment. I also asked for the Purchaser 's contact information. I explained to XXXX XXXX that I felt that Truist Bank may very well be violating the Uniform Commercial Code Section 3-411 by their stop payment action as we are the holder in due course of the Truist official check after verifying the check and acting in good faith on the matter. When XXXX XXXX refused to share any information, I then asked him to put the refusal in writing so that we may have a record. Again, I was refused. 
Subsequently I spoke with XXXX from the local branch that issued the check when she contacted me about the issue. Again I repeated my requests for information to no avail.

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 2025-04-28 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: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
This new complaint is in relation to initial complaint ID XXXX. 
I am filing this new complaint because PayPal has failed to resolve the issue at hand. Their response was not a genuine attempt to resolve the matter, but rather a dismissive reply for compliance purposes. It appears that PayPals only intent was to acknowledge the complaint without addressing the substance of the issue, and their response lacked any meaningful action or resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under XXXX XXXX, I ask for their removal within the next XXXX days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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 tried to deposit a check of XXXX usd but was turned down due to reasons they claimed are threshold restrictions imposed on any accounts. This was a lie as it was never disclosed in the account opening document. The previous CFPB response from BOFA claimed another story that they had a technical issue. They flipped flopped so many times

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC
State: PA

Complaint narrative:
On XX/XX/year>, I attempted to log into Bill Pay through my checking account. The error message on my screen indicates that I am not enrolled in Bill Pay. I did not give permission or request to un-enroll in Bill Pay. As a result, I have no access to in-process checks that were written and have unresolved payments with several payees. I believe my account was closed in retaliation for requesting payment information and filing complaints. I now have XXXX record of payments that have been made through Bill Pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Date : XX/XX/XXXX To Whom It May Concern, Subject : Formal Request to Remove Inaccurate and Outdated Information Pursuant to the FCRA Dear Sir or Madam, I am writing to formally dispute and request the removal of all outdated and inaccurate information that does not match the following correct information listed below : Full Name : XXXX XXXX XXXX ( XXXX XXXX XXXX Other Names ) Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX XXXX Please XXXX All Other Addresses ) Date of Birth : XX/XX/XXXX ( Please Remove Any Other Date Of Birth ) Last XXXX of SSN : XXXX ( Please Remove Any Other Social Security Numbers ) Current Employer : XXXX XXXX ( Please Remove Any Other Employers ) Phone Number : XXXX ( Please Remove All Other Phone Number ( XXXX ) ) Email : XXXX ( Please Remove Any Other Email ( XXXX ) ) Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately delete or correct all names, addresses, employment data, or any other personal information that does not exactly match the information I have provided above. 

Reporting inaccurate or outdated information is a direct violation of the FCRA, specifically under Section XXXX ( c ) and Section XXXX, which mandate that all information furnished in a consumers report must be accurate and verifiable. Failure to comply may result in legal action to enforce my rights under federal law. 

Please conduct your reinvestigation and confirm removal of any and all incorrect, obsolete, or unverifiable personal information from my file. Upon completion, kindly send me an updated copy of my complete file reflecting only the corrected and verified information. 

Thank you for your prompt attention to this matter. I expect a full response within XXXX days, as required by the FCRA. 

Attached Is My Government State Identification With My Name Date Of Birth & Address, & My XXXX That Shows My Current Employer & A High Light Of Incorrect Highlights Reporting On My Consumer Report 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 non-monetary relief
Consumer complaint received 2025-04-28 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: Southern Auto Finance Co
State: FL

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
National Credit Systems says I have an alleged debt of {$11000.00}. 
I am not liable for this debt, I do not have a contract with National Credit Systems. They did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: DISCOVER BANK
State: TX

Complaint narrative:
I did a XXXX search on XX/XX/year> for a low closing cost HELOC. Discover immediately came up. I processed the application at discoverhomeloans.com. Before the application was confirmed submitted my phone immediately started ringing. It rings all day long from XXXX with different companies calling to solicit. I have received several text messages as well. I did not consent for my information to be shared with any other company. As of this moment, I have received XXXX calls and XXXX text messages within XXXX business days. 

Here is the number for Discover : XXXX. 
Email : XXXX. 

I am also wondering if there is a monetary compensation for this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-04-28 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I was told that since the account is closed that it wasnt going to effect my credit report and I was told yes but they literally lied..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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