vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: VA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: TN

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX 

Ive asked for XXXX and proof of debt. None sent. Ive paid some collections in settlements and asked them to be removed. They say it would. It hasnt. 

I also cant dispute inquiry on Equifax XXXX or XXXX. 

Most dates are incorrect. Most debt is incorrect. 

Credit cards show late payment but Ive not been late and my score decreased XXXX points. Disputed. No action was taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: LA

Complaint narrative:
After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
I recently discovered unrecognizable accounts on my credit file. I reached out to Credit bureau to investigate, delete, and send me updates. I also sent copy of police report but they are always sending back the same generic letter stating that they do not believe I sentXXXX in the disputes.

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 2025-01-25 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 recently discovered unrecognizable accounts on my credit file. I reached out to Credit bureau to investigate, delete, and send me updates. I also sent copy of police report but they are always sending back the same generic letter stating that they do not believe I sentXXXX in the disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. After a thorough review, I noticed several accounts that do not belong to me. I am seeking your assistance in promptly removing these inaccurate entries from my credit history. The questionable accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: VW Credit
State: NY

Complaint narrative:
VW Credit is the parent company of XXXX ; I refer to VW Credit as XXXX herein since my car was an XXXX. XXXX has sent me a notice saying they repossessed my car. However, that is not factually correct ; I returned my car to XXXX. Nevertheless, XXXX has sent me a notice asserting that they want a {$40000.00} repossession payment! At various times XXXX has called this payment an Early Termination Liability ( even though they claim the lease past due ), a repossession payment and a drop off and grounding fee. In any event these claims are legally and factually incorrect and are requests for unconscionable and usurious payments. I ask for XXXX to cease and desist the erroneous claims of repossession, stop the harassment and to pay me the amounts described in the attached Demand Letter dated XXXX. 

In a conversation with XXXX on XX/XX/XXXX they acknowledged that I returned the car on XX/XX/XXXX. Nevertheless, XXXX says they deem the car repossessed. They say so because they assert my lease was past due at the time I returned the car ( which is also odd because they claim I owe them an Early Termination Liability payment, which is a non-sequitur ). 

This dispute arose because when the car arrived from the factory it was defective and not driveable ( XXXX does not dispute this ) and it took six service appointment and six months to make it driveable. It has been an open issue with XXXX as to when the lease started. At various points in time XXXX has said they believed the lease ended in XX/XX/XXXX. I have asserted that the lease did not start ( e.g., the car was not delivered for purposes of the lease ) at the time XXXX purports ; therefore, the lease was not at its end in XX/XX/XXXX as XXXX purports. This has been acknowledged by XXXX ( see attached email ) : On XX/XX/XXXX, an XXXX XXXX XXXX  case manager advised that she had forwarded my email to the XXXX dealer and asked for the dealers response. In the XX/XX/XXXX email, XXXX XXXX noted that the lease is near XXXX admission that XXXX XXXX also considered the Lease as extended past the original XX/XX/XXXX end date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: CBC Companies, Inc.
State: MO

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXXXXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I settled with Santander XXXX USA for money owed on my XXXX XXXX XXXX. When speaking to them on the phone, I was assured that this would be a pay to delete scenario. As the letter received stated that my credit should be updated within 30 days, I followed up in XXXX of XXXX to file a dispute with XXXX. I submitted the confirmation letter from Santander stating the account was paid. I called multiple times and received multiple answers as to what was going on. 
As of XX/XX/XXXX, I am STILL having issues purchasing a car because the charge off was not deleted from my account. 

Additionally, I have shared multiple times that my name is XXXX XXXX, NOT XXXX XXXX. XXXX is not a pseudonym, XXXX is a different person who now goes by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: KY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Experian 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate accounts in question are as follows : XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXXXXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) ACCOUT NUMBER XXXX I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ]. 
I am requesting the following actions from Experian through the CFPB : Conduct a proper and thorough investigation into the accounts l 've disputed. 
Provide me with a detailed explanation of the steps they've taken to verify or correct the information. 
Remove any inaccurate or unverifiable information from my credit report immediately. 
I am attaching all relevant documents, including dispute letters, Experian 's responses, and supr evidence, to this complaint for your review. 
Thank you for your assistance in addressing this matter and ensuring that Experian complies wit federal laws to protect consumers like me. 
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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
I am filing a complaint against Equifax for failing to propery 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.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 ( 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 2025-01-25 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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 have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX  XXXX, XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # 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 2025-01-25 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:
XXXX  XXXX XXXX still reporting closed account as delinquent. Under a Debt Mgmt Plan

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 2025-01-25 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:
XXXX  XXXX XXXX still reporting closed account as delinquent. Under a Debt Mgmt Plan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/25, I attempted to withdraw money from my checking account that had around {$37000.00} in it. I was in XXXX XXXX for Vacation and first tried to take out {$3000.00} from the ATM which did not work. I then went to the XXXX XXXX to try and withdraw the cash using my Pin, I tried a much larger amount of {$25000.00} that did not work either. I called TD and they said that there was a Fraud Block on my card, so they sent a text to my phone and verbally verified me and then they said the block was lifted and I was able to use my card and withdraw whatever amount I needed. I attempted both the ATM and XXXX XXXX  and both failed to work. I then called TD again and they said I needed to increase my limits on withdrawal. I answered Security Questions and they said that they could only increase my limits to {$20000.00} due to Fraud Concerns, but if I wanted to speak to a supervisor they might be able to get the limits to the full amount in my account. I went with the supervisor, who was named XXXX ( Not sure how that is spelled and would not give a last name when I asked ) and the supervisor told me my limits could not exceed {$5000.00}. I was frustrated and asked why I couldn't get access to my money if it was a Fraud concern and I answered all their Security questions, verified my phone number and card number. XXXX was then giving me an attitude and I was no longer being pleasant back. I then asked if I could at least get the {$20000.00} limit that the previous employee offered and they said that I could not. I asked why I couldn't get the previously offered limit, and if she was not giving me the limit out of spite because I was now giving attitude as well. She wouldn't elaborate and I said I am filing a formal complaint with the Bank, and also with the CFPB, which I am doing now. The customer service was awful by her and the fact that I do not have access to my money is unacceptable. This call was made at XXXX Pacific Standard Time and lasted 41 minutes. Unfortunately there are no TD Branches in XXXX XXXX, so I can not get this figured out in person, so I've now called 4 times with no remediation to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I was born on XX/XX/year>, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, American Express reduced my credit limit from {$14000.00} to {$14000.00} due to a decrease in my credit score. This score drop was caused by an erroneous XXXX delinquency reported by XXXX XXXX XXXXXXXX to the credit bureaus. 

The reported delinquency from XXXX XXXX  XXXX is inaccurate. The payment in question was made on XX/XX/XXXX, which is the XXXX day after the due date of XX/XX/XXXX. As such, it should not have been reported as delinquent. This error is currently being addressed with XXXX XXXX XXXXXXXX corporate office. 

Despite my proactive efforts to resolve this issue, Amexs decision to lower my credit limit based on this temporary score drop has caused further harm to my financial standing. The reduced credit limit increases my utilization ratio, which could cause even more damage to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: PA

Complaint narrative:
To whom it may concern..

I have recently reviewed my credit report, In doing so, I found instances of a late payment on an account for which I have always made timely payments for.

Being so many things in life rely on good credit, I thoroughly believe the information within the credit report should be extremely accurate. 
I havent ever missed a payment on any of my accounts, including my longest standing acct. Which is the XXXX XXXX XXXX account, acct # XXXX. 
Therefore Im requesting that a thorough investigation is submitted regarding these discrepancies. I urge you to provide evidence.

Such as statements demonstrating the lateness of the payments.if unable to provide such proof I demand these payments be promptly updated to reflect their true status as on time/ no late payments, being I have consistently upheld my payment obligations without delay

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: HI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried to get my credit report twice from 2 credit bureau and I havent successfully been able to receive my credit report from XXXX, trans union and XXXX XXXX  every time Im trying to pull the report it shows an error I have try to contact this company but no one gives me and answer why Im not able to retrieve 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