vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I am disputing the charged-off account from [ XXXX XXXX ] on my credit report. The creditor failed to issue a Form 1099-C as required by IRS regulations for canceled or discharged debts over {$600.00}. This raises concerns regarding the accuracy and validity of the reported charge-off. 

Per IRS guidelines and case law XXXX XXXX XXXX XXXX XXXX ), failure to issue a 1099-C can indicate the debt was not legally canceled or forgiven, thus making the charge-off reporting potentially inaccurate.

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 2025-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertise promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MD

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 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 2025-01-31 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: MD

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 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC XXXX. The following accounts are not accurate : XXXX  XXXX XXXX {$500.00} XX/XX/XXXX XXXX  XXXX XXXX {$470.00} XX/XX/XXXX XXXX  XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$700.00} XX/XX/XXXX NQUIRIES NOT RECOGNIZED CONSUMER XXXX  XXXX XXXX XXXX  XX/XX/XXXX Experian, XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX  XXXX, Used XX/XX/XXXX Experian, XXXX XXXX - XX/XX/XXXX Equifax 15 U.S.C, XXXX XXXX A . States I have the right to privacy. 15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C XXXXc ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, XXXXs-XXXX ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-31 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: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX Bank XXXX XXXX have knowingly submitted falsified reports in an attempt to collect payments. XXXX Bank XXXX XXXX was paid in full, as stated in the credit report prior to the accounts closure. Despite this, XXXX Bank XXXX XXXX still closed the account and unlawfully transferred the contract. 

Although the original charge-off amount was {$1800.00}, and the debt was fully satisfied, XXXX Bank XXXX XXXX has failed to report the valid balance since XXXX. As a result, XXXX and Equifax have already removed the inaccurate reporting due to its falsified nature, yet the account remains improperly listed with TransUnion. 

XXXX XXXX XXXX XXXX has further violated FCRA ( Fair Credit Reporting Act ) rights by attempting to collect {$2400.00}, an amount well over the original charge-off, even though the account was already paid in full and removed from other reporting agencies. Additionally, XXXX XXXX XXXX XXXX has deliberately marked the account as open, further restricting the consumers ability to obtain new credit. 
Violations Committed : Attempting to collect on a paid-in-full debt Attempting to collect the same debt twice Reporting inaccurate information in violation of FCRA standards Providing false information and refusing to investigate when prompted Failing to verify account details upon request Manipulating consumer data after being contacted Falsely reporting the debt as collectible Required Actions : XXXX XXXX XXXX XXXXXXXX must immediately delete the fraudulent debt. 
XXXX Bank XXXX XXXX must remove the false report regarding the paid-in-full account. 
Both companies should be investigated for consumer fraud and data manipulation. 
Any staff members responsible for reporting and validating these accounts should be held fully accountable for damages caused by the fraudulent reporting since 2019. 
Additionally, the companies failure to properly verify the debt, forcing the consumer to spend personal time correcting these inaccuracies, should be addressed. 

I demand immediate resolution and accountability for these violations.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I have several accounts on my report that have been on there for more than 7 years. Which after 7 years they are suppose to come off but instead of them coming off they keep selling them to different companies and they keep changing the dates and moving them closer to the current date so they stay on my credit report. Almost everything on my credit reports are from 8+ years ago and they just keep selling them to different companies and changing the dates to keep them on my credit report which in turn has kept me from being able to buy a home, buy a car or even rent a place or get any kind of loan at all. Everyone I have spoken to professionally about this has told me that it is illegal for these companies to keep selling my debt and information to different companies to keep it on my report and keeping my score from going up or me being able to buy anything or get any kind of credit at all. I need help to get this inaccurate stuff off my reports so I can buy a home and a new car for me and my kids. These people are doing illegal stuff to keep me in debt and I need help to fix it. Please help 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 2025-01-31 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: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXXcXXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at : Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attacheda list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. | do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. | have attached a copy of XXXX  Identity Theft Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumerns, and hard inquiries are the result of identity theft and fraud.

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 2025-01-31 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: FL

Complaint narrative:
I filed recent disputes with Experian, Equifax and Transunion and requested that all XXXX major credit bureaus Experian, Transunion and Equifax provide me the method of verification, the description of procedure and all of the documentation rendered or retrieved that proves these negative reporting 's and accounts are accurate. Based on 15 USC XXXXi ( a ) ( 6 ) ( B ) ( iii ) I am within my rights to request this information within XXXX  days or it must be removed from all of my reports. The accounts that I included in the dispute were XXXX XXXX, XXXX, XXXX Bank XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX Experian, XXXXransunion and Equifax denied to follow up with investigation and documentation of the performed investigation. I recently was notified that the CFPB has filed a lawsuit against the companies Experian and Equifax. They alleged the companies of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian and Equifax have not attempted to remove, nor correct any information. I am requesting that all derogatory remarks be removed or corrected immediately as it is affecting my chances of homeownership and creditworthiness. Experian and Equifax violates my rights as a consumer as well as federal laws. Thank you

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 2025-01-31 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: AR

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus Experian, Equifax, and TransUnion due to their continued refusal to remove fraudulent accounts and inaccurate information from my credit report. Despite multiple attempts to resolve the issue and providing all necessary documentation, my disputes have been repeatedly denied, and my credit file remains damaged. 

Here are the details of my complaint : Fraudulent Accounts : I have taken all necessary steps to dispute fraudulent accounts that do not belong to me, including filing disputes with the credit bureaus and submitting supporting documents. However, these fraudulent accounts remain on my credit report despite my efforts. Each of the credit bureaus has failed to adequately investigate my dispute, and the information continues to negatively impact my credit. 

Inaccurate Addresses : Experian has also refused to delete inaccurate addresses from my credit report. I have provided all the necessary documentation to support the removal of these incorrect addresses, yet the bureau has ignored my evidence and continues to leave the incorrect information on my report. This lack of investigation is further damaging my credit. 

Failure to Conduct Accurate Investigations : The investigations conducted by all three credit bureaus have been inadequate and inaccurate. They have failed to properly verify the fraudulent accounts and addresses, which has led to a false representation of my credit history. As a result, my credit file has been negatively impacted. 

I am requesting that all fraudulent accounts and inaccurate addresses be removed from my credit report within XXXX  days of receiving this complaint. The credit bureaus have had ample time to resolve this issue, and their continued refusal to do so is unacceptable. 

I have attached all relevant documentation, including copies of dispute forms, supporting documents, and correspondence with the credit bureaus. 

I appreciate your attention to this matter and would like a resolution as soon as possible. Please let me know if further information is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I had just filed a bankruptcy to fix my credit. It was a national disaster nobody cared the dealer closed this deal destroyed my credit and the company will take accountability for there actions or the car dealer ship

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 2025-01-31 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: CA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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