vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: CO

Complaint narrative:
I dont remember taking out this loan but I do receive emails about it and they are stating incorrect information stating that I owe more

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: IN

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  - Balance : {$840.00} - Account # : XXXX XXXX  XXXX  - Balance : {$340.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$4800.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$14000.00} - Account # : XXXX XXXX  XXXX - XXXX : {$230.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 explanation
Consumer complaint received 2025-05-05 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: IN

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  - Balance : {$840.00} - Account # : XXXX XXXX  XXXX  - Balance : {$340.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$4800.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$14000.00} - Account # : XXXX XXXX  XXXX - XXXX : {$230.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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 did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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 request the erasure and corrections of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error 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 non-monetary relief
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
upon reviewing my consumer credit file, I noticed there was an account that I the consumer has no knowledge of. I've reached out to Experian disputing the fraudulent account and they are verifying information which isn't correct, it's fraudulent data and it's hurting my credit position. I've disputed the fraudulent account : XXXX XXXX XXXX XXXX : XXXX ; Amount : {$36000.00}. Which I the consumer has no knowledge of nor did i the consumer initiate the transaction. All of the steps that FCRA 605B implicates, I fall within. The issue is placing fraudulent data on consumer credit file intending to hurt the consumers credit and not removing fraudulent items off. This has become a practice that's not within the scope of FCRA.

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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I went into CHASE bank at XXXX XXXX XXXX XXXX CA XXXX. I deposited {$100.00} dollars into my checking account and received my transaction summary from the teller. After looking at the summary, I was satisfied and left the bank. This was exactly at XXXX hours. About XXXX days later, I checked my checking account and there was money missing ( unauthorized transaction ) made by someone. A withdrawal of {$830.00} and Official check charge of {$10.00} exactly at XXXX hours. Both done on XX/XX/XXXX at exactly XXXX hours. Of course by this time I had already left the bank. I discussed my issue with a bank operations supervisor and she stated that I call XXXX XXXX. So I called XXXX XXXX and someone there stated that I needed to contact the local police and get a search warrant. I called XXXX police and XXXX XXXX stressed the fact that there isn't enough man power to deal with my claim. My incident he said " doesn't have enough threshold '' to look into further. Chase advertised 0 Liability Protection. Could you please help me to get my money back from Chase? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-05 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: TX

Complaint narrative:
On XX/XX/XXXX and XXXX, 2020, I mistakenly sent XXXX Zelle payments from my XXXX XXXX business account ( ending in XXXX ) to the wrong person, XXXX XXXX ( email : XXXX ). The total amount was {$4100.00}. I immediately noticed the error and took action to recover the funds. 

I contacted XXXX XXXX and Zelle to recover the money, but no assistance was provided. Zelle did not attempt to coordinate with the receiving bank, contact the recipient, or block the funds, leaving me completely unprotected as a consumer. 

This situation constitutes a misappropriation of funds. The recipient knowingly retained money that does not belong to him, and neither XXXX XXXX nor Zelle took action to prevent or correct the error. 

Many consumers face this exact problem. Zelles current policies allow recipients to profit from other peoples honest mistakes, while senders are left with no solution. I am requesting that the CFPB take action so that Zelle investigates this case, communicates with the receiving bank, and implements urgent protections for consumers in similar situations. 

Attached are transaction records and letters sent to the relevant institutions. I respectfully request your assistance to recover the funds and ensure accountability from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am disputing a {$2000.00} collection account that appears on my credit report. The debt is listed under my name, yet neither Target/TD Bank nor the firm XXXX XXXX XXXX collection agency will confirm that they own it, validate it, or provide any documentation to support the reporting of this account. Target/TD Bank continues to claim they no longer manage this account and is with XXXX XXXX their third party collections firm. XXXX XXXX continues to claim this account was closed a long time ago, they no longer manage the account, and was sent back to TD Bank. I have attempted to resolve and dispute this account/debt with both parties NUMEROUS times and neither of them seem to know where this account is and claim the other party has it. Within the last year and a half, I have made at least 2 calls a month to both Target/TD Bank and XXXX XXXX to resolve this issue and have been given the same repeated answer that neither of the parties are handling the account. This has done nothing but destroy my credit with continuous negative " derogatory '' marks month after month from TD Bank.

I requested proof in writing that they no longer manage or own the debt, but both parties refusedsaying it belongs to their client and they can not release that information, despite the fact that it is reported under my name and Social Security number and is negatively impacting my credit.

This violates my rights under : The Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable information The Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to validate debts upon request I am requesting that this account be removed from my credit reports immediately, as it is unverifiable and no party will claim ownership.

What I am requesting : Immediate deletion of the collection item from all credit bureaus Written explanation of who owns this debt and who has legal authority to report it A full investigation into the credit bureaus verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CL Holdings LLC
State: GA

Complaint narrative:
This collection item is being inaccurately reported and is causing unjust harm to my creditworthiness. As allowed under the FCRA, I am requesting : A full investigation into this items accuracy and verification. 

All documentation used to verify this accounts validity and reporting. 

Removal of the item if it can not be verified with reliable and accurate documentation within the time period set forth by law. 

Please note that, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the item is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted from my credit report. Furthermore, under 15 U.S.C. 1681s-2 ( b ), the data furnisher is also obligated to investigate and correct any information found to be inaccurate.

I have enclosed a copy of my ID and proof of address for identity verification, as well as any relevant documentation supporting my dispute.

Please advise me in writing regarding the results of your investigation and any corrective actions taken. Thank you for your attention and assistance in ensuring the accuracy and integrity of consumer credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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'm having issues with Equifax reportin a XXXX XXXX auto loan that has a bunch of errors. It's been showing charge off for like 2 years straight, but theres no info showing how the payments got late ( no 30, 60, or 90 day lates before the CO ). They didnt put the Date of First Delinquency ( DOFD ), or the Date of Last Activity either, wich I think are required by law.

Also, the report says the account is " Paid, Closed '' but still shows " Charge-Off '' after that?? That dont even make sense. Plus, it says Voluntary Surrender and Charge-Off at the same time, wich is totally confusing. I already disputed this and sent documents, and they didnt fix anything they didnt even mark the account as being disputed ( no XB code ).

All this has been afecting my credit score and honestly Ive tried to do things right but nobody seems to care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: NJ

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 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
We made2 bill pay amounts from XXXX XXXX XXXX to Capital one on my credit card. XXXX on XX/XX/XXXX andXXXX on XX/XX/XXXX. They show as ACh payments. Capital one have since put ahold on the funds for 14 days. I dont have the money, they do and I cant use it! Didnt really do anything differently than the way we have for years. I feel they either owe me the money back asap or be able to use my card. Immediately! Really too late to use my card. As I had to make other arrangements. I feel like this theft? Tied up for 2 weeks, when the money has been taken from my account to theirs!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NJ

Complaint narrative:
According to IRS an unpaid charge off is income and according to FCRA income can not be reported in a credit reports including Experian, Equifax and Transunion. I am requesting a XXXX ( Cancellation of XXXX ) from the following charge off account listed below. XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Date XX/XX/2023 and Later sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX * by who the account was purchase and who is a debt collector ( please Check Attached Document ) this account can not be reported as charge off on my credit report if the account was sold to another lender. Please send the XXXX form.

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 2025-05-05 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: NJ

Complaint narrative:
According to IRS an unpaid charge off is income and according to FCRA income can not be reported in a credit reports including Experian, Equifax and Transunion. I am requesting a XXXX ( Cancellation of XXXX ) from the following charge off account listed below. XXXX XXXX XXXXXXXX XXXX C/O Date XX/XX/year> and Later sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX * by who the account was purchase and who is a debt collector ( please Check Attached Document ) this account can not be reported as charge off on my credit report if the account was sold to another lender. Please send the XXXX form.

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 2025-05-05 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: PA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation