vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: AL

Complaint narrative:
On XX/XX/XXXX, I filed a complaint about the inaccuracies on my credit report. On XX/XX/XXXX, the complaint was closed saying that they didn't have enough information. In between these dates, I received a letter in mail saying that they investigated the issue which does not align with their reasoning for closing the complaint. If they are able to send a letter in the mail then they have the information that they need to fix the issue. Equifax said they completed an investigation, but I do not feel like a thorough investigation was conducted. In Regard to the XXXX XXXX and XXXX XXXX accounts on my account, Equifax keeps changing the reported information. The close dates for the accounts keeps changing which should not be a thing and they also do not match with the other credit bureaus alleged close dates. There should be only one correct date. The high balance also does not match the other credit bureaus balances. There are a lot of others items reported on the accounts that do not match across the three bureaus.

I have the right to accurate reporting and I am not receiving it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: CO

Complaint narrative:
I got a hotel off of a XXXX on XX/XX/2025. Upon arriving at the hotel, the man at the front desk didn't think to check my reservation and charged my card. In additional {$110.00}. Due to their not being a manager on the property. I waited until the next day when a manager was there for them to? Reverse the charge on my card. And to which they did, I have documentation from the company i've called their corporate and they are not holding those funds cuz it was an accidental charge. Cash app, however, will not release my funds because they claim.That the hotel still has them pending. And that isn't accurate, and I have provided the information in the documents that Cash App has requested of me to be able to get my money and I've informed them what kind of duress they're putting me under and they refused to provide with any documentation or solution for any issue that. I have. They literally just stopped talking to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
Transunion 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 in accurate or unverifiable accounts unresolved. That consumer, financial protection, Bureau ( CFPB ) Has recently filed a lawsuit against Transunion, alleging, systematic issues, such as failing to consumer provided evidence to furnishers, excepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed Disputed items, despite the evidence I provided, causing on, going home to my credit standing. I am requesting immediate corrective actions to remove or amend that disputed accounts, as experience in action, 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 2025-02-24 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: SC

Complaint narrative:
Some account with world finance was up opened fraudulent due to identity theft from a security breach on XX/XX/ showing a balance of {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX at around XXXX XXXX  and left at around XXXX XXXX, during that time I had XXXX drinks, ( all being on separate transactions ). Without my approval, the bartender left my tab open. I left at around XXXX ( time stamp from the cameras at my apartment included in files ) and at XXXX I got a text from Chase saying they declined a charge at XXXX XXXX for {$660.00} but on XX/XX/XXXX the charge was posted to my account. I filed a claim with Chase and went in that afternoon to speak to a manager at XXXX XXXX. He claimed that he knew it was fraud but if he refunded me I would get the money back twice ( from XXXX XXXX and Chase ). He stated that if Chase did not give me my money back that he would go ahead and refund me. A few days later, I heard back from Chase that my claim was denied since I frequently go there. I reached out to the managing partner of XXXX XXXX, XXXX XXXX, on XX/XX/XXXX explaining the situation and he said that there was basically nothing he could do and that they do. He also told me that they delete footage after 7 days so my time was up in that aspect. He also stated in the email " there is a person or persons that know you and used your tab to run up a bill either maliciously or as a not so funny joke ''. I went in person to Chase Bank on XX/XX/XXXX located on XXXX XXXX in XXXX, Florida. I spoke to a representative there where she reopened my case. They faxed the emails and the receipt to the fraud department. On XX/XX/XXXX, I got a letter from chase stating once again my claim has been denied and that they believe I authorized the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MN

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-24 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: MS

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. 

List of Unauthorized Inquiries : XXXXB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I don't know balance is {$160.00} obviously this is from the security breach identity was stolen in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently noticed a fraudulent account has been reinserted into my credit report. This account was previously removed because it was a result of identity theft, and I would like to formally dispute its reinsertion. Please provide documentation proving the legitimacy of this account. XXXX XXXX XXXX XXXX Account Number : Number : XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TORO COMPANY, THE
State: TN

Complaint narrative:
This purchase was a new piece of equipment vs an auto loan using : Ditch Witch Financial Services XXXX. XXXX XXXX XXXX CA XXXX XXXX Information was sent in to set up autopay on this loan. Been going back and forth via phone and email since XX/XX/XXXX ( the date is correct ). I would think everything is well. I would get a late notice. I would call and pay 2 months. The individual on the phone would let me know the issue was fixed. 2 months later, repeat. 

Now about four months ago, Ditch Witch has also tacked on insurance premiums. I and my agent have sent proof in. I was told they had the info via phone conversation while making payments. Next month, no change. 

Last phone conversation on approx. XX/XX/XXXX, I requested a copy of the contract and payoff. I did not receive either. I sent an email requesting the same on XX/XX/XXXX. I did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I am writing to formally dispute an entry on my credit report that I believe is inaccurate. 
Upon reviewing my credit report, I have found that the student loan entry is inaccurate or does not accurately reflect the status of the loan, and as such, it is damaging my credit report. I am requesting that you thoroughly investigate this matter, and if you find the information to be inaccurate or unverifiable, I kindly request that you remove the entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

In addition to the removal request, I respectfully ask that you provide me with documentation or the results of your investigation into this matter. If the loan is confirmed to be inaccurately reported, I expect a prompt update to my credit report.

Please find attached supporting documents to assist with your investigation, including : Copy of my identification Copy of the loan documentation Any correspondence I have had with the loan servicer regarding this issue I kindly request that you provide a response within 30 days of receiving this letter, as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I am writing to formally dispute an entry on my credit report that I believe is inaccurate.

Upon reviewing my credit report, I have found that the student loan entry is inaccurate or does not accurately reflect the status of the loan, and as such, it is damaging my credit report. I am requesting that you thoroughly investigate this matter, and if you find the information to be inaccurate or unverifiable, I kindly request that you remove the entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

In addition to the removal request, I respectfully ask that you provide me with documentation or the results of your investigation into this matter. If the loan is confirmed to be inaccurately reported, I expect a prompt update to my credit report.

Please find attached supporting documents to assist with your investigation, including : Copy of my identification Copy of the loan documentation Any correspondence I have had with the loan servicer regarding this issue I kindly request that you provide a response within 30 days of receiving this letter, as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.

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 2025-02-24 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: GA

Complaint narrative:
I am writing to formally dispute an entry on my credit report that I believe is inaccurate. 
Upon reviewing my credit report, I have found that the student loan entry is inaccurate or does not accurately reflect the status of the loan, and as such, it is damaging my credit report. I am requesting that you thoroughly investigate this matter, and if you find the information to be inaccurate or unverifiable, I kindly request that you remove the entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

In addition to the removal request, I respectfully ask that you provide me with documentation or the results of your investigation into this matter. If the loan is confirmed to be inaccurately reported, I expect a prompt update to my credit report. 
Please find attached supporting documents to assist with your investigation, including : Copy of my identification Copy of the loan documentation Any correspondence I have had with the loan servicer regarding this issue I kindly request that you provide a response within 30 days of receiving this letter, as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.

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 2025-02-24 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the XXXX Account # XXXX has violated my rights. 

15 USC 1681, Section 602 states that I have the right to privacy.

15 USC 1681, Section 604 ( a ) ( 2 ) also specifies that a consumer reporting agency can not furnish an account without my written instructions.

Additionally, 15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX XXXX Arizona Subject : Dispute Regarding Violations of 15 U.S. Code 1681o ( Negligent Noncompliance ) To Whom It May Concern, I am writing to formally dispute and bring to your attention a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, regarding negligent noncompliance. This matter concerns inaccurate or improperly handled information on my credit report, which has caused undue harm and financial distress.

Upon reviewing my credit report, I noticed [ describe the inaccurate information, e.g., incorrect account details, fraudulent accounts, outdated negative items ]. I previously contacted your organization on [ date of prior communication ] and provided all necessary documentation to support my claim, yet the issue remains unresolved. Under the FCRA, you are required to take reasonable steps to ensure the accuracy and proper handling of consumer information. Your failure to do so constitutes negligent noncompliance, for which I may seek damages as prescribed under 15 U.S. Code 1681o.

To resolve this matter, I formally request : A thorough investigation into the inaccurate information and immediate correction or removal of the disputed item ( s ). 

Written confirmation of the resolution within 30 days, as required by the FCRA. 

Compensation for any damages incurred due to your negligent handling of my credit information, as permitted under federal law. 

Please consider this letter as a formal notice of dispute and a potential precursor to legal action should this matter not be resolved promptly. I expect your immediate attention to this issue and a written response detailing the actions taken to rectify this matter. 

If I do not receive a satisfactory resolution within the legally allotted timeframe, I will be forced to explore further legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to recover damages. 

Please direct all future correspondence regarding this matter to me at the address provided above. 

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 2025-02-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CO

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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