vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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 this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX  XXXX XXXX Balance {$760.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$690.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$690.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$610.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$550.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$230.00} Open Date XX/XX/XXXX XXXX & XXXX XXXX Balance {$100.00} Open Date XX/XX/XXXX Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: Sunbit, Inc.
State: CA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, a buyer sent me a picture of a check as proof of payment. That same day, the check appeared as pending in my Bank of America account, showing a balance of {$0.00}. The next day, my account balance increased by the check amount, leading me to believe the funds were approved. 

Thinking the payment was valid, I refunded the buyer through XXXX. However, about XXXX hours later, Bank of America deducted the check amount from my account, stating that the check had insufficient funds. 

I immediately contacted the bank, and they confirmed that the check had bounced. I then filed a dispute requesting the return of the funds I sent through XXXX, but my claim was later denied. 

I believe the bank misled me by making the check amount available before fully verifying the funds, which resulted in financial loss due to fraud. I am requesting a full refund for the amount I lost

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 2025-03-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This loan was part of the XXXXXXXX XXXX  XXXX loan discharge. This was a XXXX loan that was completely XXXX due to the XXXX XXXX XXXX XXXX XXXX. Standard Repayment Current Balance {$12000.00} Outstanding Principal : {$6700.00} Unpaid Accrued Interest through XX/XX/year> : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This loan was part of the XXXX vs. XXXX loan discharge. This was a XXXX loan that was completely XXXX due to the XXXX XXXX XXXX XXXX XXXX. Standard Repayment Current Balance {$12000.00} Outstanding Principal : {$6700.00} Unpaid Accrued Interest through XX/XX/year> : {$5700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: OH

Complaint narrative:
This loan was part of the XXXXXXXX XXXX XXXXXXXX XXXX  discharge. This was a XXXX loan that was completely XXXX due to the XXXX XXXX XXXX XXXX XXXX. Standard Repayment Current Balance {$12000.00} Outstanding Principal : {$6700.00} Unpaid Accrued Interest through XX/XX/year> : {$5700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding any evidence of a thorough investgation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX has been paid in full. Despite my request for proof of payoff and an update to my credit report, I was told no such proof would be provided, and that they would not update the report. This is unacceptable. 

I demand that XXXX immediately report the accurate information to all three credit bureaus. I have fulfilled my financial obligation, and I expect my reports to reflect that hard work and responsibility without further delay. 

This matter requires your prompt attention and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX has been paid in full. Despite my request for proof of payoff and an update to my credit report, I was told no such proof would be provided, and that they would not update the report. This is unacceptable. 

I demand that XXXX immediately report the accurate information to all three credit bureaus. I have fulfilled my financial obligation, and I expect my reports to reflect that hard work and responsibility without further delay. 

This matter requires your prompt attention and resolution.

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 2025-03-11 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX has been paid in full. Despite my request for proof of payoff and an update to my credit report, I was told no such proof would be provided, and that they would not update the report. This is unacceptable. 

I demand that XXXX immediately report the accurate information to all three credit bureaus. I have fulfilled my financial obligation, and I expect my reports to reflect that hard work and responsibility without further delay. 

This matter requires your prompt attention and resolution.

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UPGRADE, INC.
State: OH

Complaint narrative:
Several months ago I got a new cellphone number. At the time, I was still able to login to my Upgrade Rewards Checking account and performance savings account provided by XXXX XXXX XXXX  via the Upgrade app on my phone. Soon after, however, I upgraded to a new cellphone and although I still have the correct user ID and password when trying to access my account, a one time code is being requested and I can not receive the code because Upgrade has my old phone number listed on my account and refuses to update it. I requested they update my phone number multiple times by calling the number on the back of my card, which they have blocked due to unusual activity back on XX/XX/year>. They requested I send them my drivers license and a selfie to verify my identity so I sent the email and they still did not update my number. So I tried once again and they then requested my drivers license front and back, a picture of me holding the license, and now also me holding a note stating my name, account type, and my drivers license. So I sent that and they said both arms had to be visible in the picture would you like assistance on how to set up a timer to take a photo on your phone. This is absolutely ridiculous! I sent the info they needed! Meanwhile, I receive an email stating that due to inactivity my account will be charges a fee starting later this month. Its not my fault they refuse to update my phone number. Ive sent them everything they asked and they are refusing it and with the card frozen due to suspicious activity that I cant see because I cant get into my account, and now they want to charge me a fee? Its sketchy and Im asking the CFPB to investigate this companies practices as Ive never had a bank ask for so much info just to refuse to update a number. Its an online bank so XXXX cant just go into a branch which makes matters worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I deposited {$4500.00} into Citibank ATM, the machine took the money and then said machine is not taking any cash. I involved branch staff, they said machine broke and to call customer service which I did. They opened up a case. Case # XXXX said there is nothing they can do at the moment and need 10 days to investigate and then will put money back temporarily while they take another 45 days to fully investigate. I need this money now to pay my bills. The fact that I will be delinquent on my bills, they don't seem to care. All I heard is that there is nothing we can do. Isn't their ATM machine supposed to be in working condition? That was my expectation. It's a lot of money to loose. 

I deposited money into ATM at CITIBANK at XXXXXXXX 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 monetary relief
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
I have noticed multiple billing errors under 15 U.S. Code 1666 ( b ) related to incorrect late payment marks and failure to properly reflect payments and credits on my credit report. Despite my prior communication requesting proof from the creditor that these late marks are legally verified and investigated, I have not received any response. Specifically, the creditor has failed to provide solid proof that payments were not made on time, and I believe there are errors in how my payments were recorded. The creditor did not notify me 21 days before the due date with an accurate statement, which would exempt me from any late payments under the law. As such, I am requesting that the items be updated to 'Paid as Agreed '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
XXXX XXXX {$1000.00} Portfolio Recovery {$1500.00} Portfolio Recovery {$1700.00} Disputed these accounts with XXXX, XXXXXXXX XXXX XXXX  no resoulution then submitted a debt validation letter to the company requesting information didn't receive the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized disclosure of my student loan information to XXXX XXXX and/or his affiliated companies ( XXXX ) XXXX I understand that my student loan data includes personally identifiable information protected by the Family Educational Rights and Privacy Act ( FERPA ) has been accessed by these parties without my consent. I have never authorized the release of this information to XXXX XXXX or any of his entities, and I am overwhelmingly concerned of the misuse of my private data. 
This unauthorized access appears to be a direct violation of my rights under FERPA. The student loan database including my social security number, financial records along with sensitive and personal details requires the highest level of confidentiality. The lack of legitimacy on XXXX XXXX behalf for this level of access compounds the severity of this breach. 
Due to this serious FERPA violation leaving me vulnerable and resulting risking my privacy and financial security, with this I am respectfully requesting the following actions : 1. Immediate and Through investigation : I request an investigation composed of transparency and intense comprehension involving the unauthorized disclosure. This investigation should identify the parties involved responsible for releasing my data, the purported legal justification, specific reason ( XXXX ) the data is being used. 
XXXX. Immediate Cessation of Data Sharing : I demand that the Department of Education immediately stop sharing my student loan information with XXXX XXXX, his companies and/or any other third party who have unauthorized legal access. 
3. Loan Discharge as a Remedy : Given the significant breach of my privacy rights and the Departments failure to protect my sensitive information, I request a full discharge of my student loan obligations. Due to the mishandling of my loan, a discharge in my view is the only appropriate course of action.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-11 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 this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Blitt and Gaines practice bad tactics that ruin consumers like myself. They submitted documentation of a wage garnishment to my employer without my authorization. They are trying to collect on an old debt they reached its limitations 20 years ago. They need to be banned. I have done my research with XXXX  and they ruled them as being unaccredited. Why they are still in business lying to consumers? Also, I want to know what I can do to get them removed from my employer and stop contacting them period? I can be reached via email at XXXX. Thanking u in advance for your prompt assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation