vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I am writing to formally lodge a complaint against [ Transunion ] for its negligent handling of my consumer information, resulting in a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. This negligence has adversely affected my creditworthiness and caused me undue distress.

Details of the Incident : : [ XXXX XXXX, XXXX XXXX ] No action has been taken by the company nor calls have been returned. I am profoundly upset with the whole situation. 
Impact on Me : I have not applied for any services any time recently, I do not understand where these charges are coming from. Also there is a lot of hard inquiries affecting my credit that have been on my report for more than a year that should no longer be there. Ive spoken to transunion plenty of times and was advised the situation will be handled but nothing has been.. 
Legal Basis for Complaint : Under 15 U.S.C. XXXX, any person who negligently fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer. This includes failing to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. 
XXXX I would hope most of these charges on my report including the hard inquiries are removed or I will have to take further steps to resolve the situation. 

To rectify this situation, I request the following actions : Immediate Investigation : Conduct a thorough and prompt investigation into the circumstances surrounding this incident. 
Correction of Information : If any inaccuracies are found, promptly correct them in all consumer reporting agencies where they have been reported. 
Compensation for Damages : Provide compensation for any actual damages sustained as a result of this negligence, including but not limited to any adverse effects on my credit score and the emotional distress caused.

Preventive Measures : Implement measures to prevent future occurrences of similar negligence, ensuring compliance with all FCRA requirements. 
Please acknowledge receipt of this complaint within [ XXXX ] days and inform me of the steps you will take to address this issue. I expect a resolution within [ XXXX ] days from the date of this letter. If I do not receive a satisfactory response, I will consider pursuing further action, including filing a complaint with the Consumer Financial Protection Bureau and seeking legal remedies. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I deposited a check in my bank account for XXXX XXXX .. it was a check from my compensation department for an injury I suffered on my job. The job has been frozen and my account has been closed and no one will tell me why.. They wont return the money from my account and are telling me its not my money and that the check was a fraud.. I have XXXX XXXX and change in my checking and XXXX XXXX and some change in my savings.. The check cant be a fraud because I work for XXXX local XXXX electrician union.. PLEASE HELP my rent is 3 months backed up now and my credit cards are falling behind I need my money back

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 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I asked the company to validate the debt and the provide the information to prove that I owe this debt, I asked them for the complete chain of ownership, all account statement showing the alleged debt. I requested the documents in 30 days. They responded beyond the 30 days and simply stated the account was accurate and asked me to provide proof that it was inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$15000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-01 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: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, and Transunion ) credit report and I noticed some late payments on there. 

Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give your company written permission to furnish these late payments on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, and Transunion ) credit report and I noticed some late payments on there. 

Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give your company written permission to furnish these late payments on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, 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 2025-03-01 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: NY

Complaint narrative:
My personal data was breached on Experian Equifax and Transunion and I am requesting all negative information and inquiries be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
My personal data was breached on Experian Equifax and Transunion and I am requesting all negative information and inquiries be removed immediately.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I

am submitting this statement in response to the Equifax data breach, which exposed the personal and financial information of millions of consumers. This breach represents a failure to uphold the security and accuracy obligations required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of consumer information. Furthermore, under 15 U.S.C. 1681b ( g ) ( 1 ), consumer reporting agencies must take appropriate measures to prevent unauthorized access to sensitive consumer data. Equifaxs failure to safeguard this information has caused widespread harm and increased the risk of identity theft and financial fraud. I formally request : A comprehensive investigation into Equifaxs compliance with FCRA security obligations. Mandatory security reforms to ensure stronger data protection measures. Clear accountability and corrective actions to prevent future violations of 15 U.S.C. 1681c-1 ( fraud alerts and security freezes ) and related provisions. Consumers should not bear the consequences of Equifaxs negligence. I urge the CFPB to take decisive action to enforce compliance and protect consumer rights. 

Sincerely, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chex Systems XXXX XXXX XXXX XXXX XXXX XXXX, Request to remove accounts from Credit Consumers Dear chexsystem I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX ( XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : 1. Account with XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX ) - Charge Off Amount : {$920.00} As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 2025-03-01 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: PR

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but CREDIT BUREAU has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me.

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response.

For these reasons, I request immediate action to block and remove this information from my 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 explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
am filing a formal complaint against Bank of America for improperly closing my account and unlawfully withholding my deposited funds. Bank of America initially informed me that I needed to deposit funds to keep my account open, stating : Please add money to your account ( s ) as soon as possible if youd like to keep it open. In response, I immediately deposited {$13000.00}, but instead of confirming the deposit, the bank placed a hold on the funds, stating : We placed a hold on a check you deposited at a financial center. The full amount isnt available yet. Shortly after, the bank closed my account without returning my funds, and I never received my check back or my deposit money. This action violates multiple federal banking and consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, which requires financial institutions to promptly investigate and resolve errors involving withheld funds, and Regulation CC ( 12 CFR Part 229 ) - Expedited Funds Availability Act, which limits the time banks can hold deposited funds. Holding my deposit, closing my account, and refusing to return my money violates these provisions. Additionally, this conduct constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under 12 U.S.C. 5531, 5536, as it misled me into depositing funds only to have them seized. Bank of Americas actions further breach Uniform Commercial Code ( UCC ) 4-214, which requires banks to act in good faith when handling customer accounts, and Federal Reserve Regulation E ( 12 CFR Part 1005 ), which grants consumers the right to receive their remaining balance when an account is closed. Given these violations, I demand that Bank of America immediately return my deposit of {$13000.00}, either by mailing me a check or transferring it to my designated bank account. I also request that the CFPB investigate these unlawful banking practices to prevent further consumer harm. Please confirm receipt of this complaint and provide updates on the next steps.

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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Im reaching out to express my concern about zelle handling of disputes. Particularly of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my many claims. They informed me that recovering lost funds was impossible and that tracking these transactions are unfeasible. The CFPB indicate that zelle has not only neglected to protect me as a consumer but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX , I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit Please delete the items 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 2025-03-02 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX , I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : 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 non-monetary relief
Consumer complaint received 2025-03-01 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: Self Financial Inc.
State: TN

Complaint narrative:
According to 15 USC 1692 c you have violated my rights by in lawful communications.

Please remove this collection off of my credit report thank You.

Company response to consumer: Closed with explanation