vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been dealing with reporting inaccurate information, different socials, accounts not mine, accounts with balances that were included in aXX/XX/XXXXXXXX bankruptcy, credit reporting sending me requests for my id and sending it with no response back, them saying they verified accounts with no proof and nothing legal no required federal proof or documentation. Now they have Capital ONE showing as NEW accounts that were closed years ago in a bankruptcy that was found opened fraudulent through the data breech! I have reached out to Capital One several times after receiving calls, past due statements with 2 cards and a Kohls account - not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: VA

Complaint narrative:
Beginning in early XXXX I advised US Bank corporation they were paying our property taxes 70 days to early. Property taxes in XXXX XXXX North Carolina were due on XX/XX/XXXX. US BANK issued a check on XXXX, XXXX 70 days to early. 

When I called in to the bank and advised them on this mistake they claimed it was not and issue and early payment would have no effect on their future escrow analysis yearly statement. Two weeks later I received a letter demanding a XXXXXX/XX/XXXX payment by January 1rst 2025 and beginning XX/XX/XXXX and additional XXXX XX/XX/XXXX every month towards the escrow account. 

I returned their statement and advised US BANK I no longer wanted them escrowing my taxes and insurance, we owned more than 50 % equity in the home. US BANK SENT a letter dated XX/XX/XXXX claiming they would investigate my concerns and acknowledging they would not received or hold escrow money any longer. I have sent them additional communications regarding no more escrow period.

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 2025-01-29 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
I am writing to formally dispute the reporting of an account by XXXX XXXX on my credit report. Despite my previous dispute, your bureau has failed to provide validation or evidence proving the accuracy of this account. 
Accounts : XXXX, XXXX, XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information to ensure it is accurate and verified. Additionally : 15 U.S.C. 1681s-2 ( a ) requires furnishers, such as XXXX XXXX, to provide evidence supporting their claim that the debt is valid and that they have the right to collect. 
15 U.S.C. 1681e ( b ) requires your bureau to maintain procedures that ensure the accuracy of the information you report.

In this case, no validation or chain of assignment has been provided, and the debt remains unverified. The lack of proper validation or verification of this account indicates a violation of my rights under the FCRA. 

Requested Action : Remove this unverified account from my credit report immediately. 
Provide written documentation of your reinvestigation and the evidence you used to verify the accuracy of the account. 
If this account can not be verified in compliance with the FCRA, it must be deleted from my credit report. Failure to act promptly may result in further regulatory complaints to the CFPB, FTC, or legal action for violations of my rights under the FCRA. 

Thank you for addressing this matter. I expect a response within the timeframe required by 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 non-monetary relief
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
I am writing to formally dispute the reporting of an account by XXXX XXXX on my credit report. Despite my previous dispute, your bureau has failed to provide validation or evidence proving the accuracy of this account. 
Accounts : XXXX, XXXX, XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information to ensure it is accurate and verified. Additionally : 15 U.S.C. 1681s-2 ( a ) requires furnishers, such as XXXX XXXX, to provide evidence supporting their claim that the debt is valid and that they have the right to collect. 
15 U.S.C. 1681e ( b ) requires your bureau to maintain procedures that ensure the accuracy of the information you report. 
In this case, no validation or chain of assignment has been provided, and the debt remains unverified. The lack of proper validation or verification of this account indicates a violation of my rights under the FCRA. 

Requested Action : Remove this unverified account from my credit report immediately. 
Provide written documentation of your reinvestigation and the evidence you used to verify the accuracy of the account. 
If this account can not be verified in compliance with the FCRA, it must be deleted from my credit report. Failure to act promptly may result in further regulatory complaints to the CFPB, FTC, or legal action for violations of my rights under the FCRA. 

Thank you for addressing this matter. I expect a response within the timeframe required by 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 2025-01-29 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: GA

Complaint narrative:
I am writing to formally address a serious issue regarding incorrect information reported by Equifax, which has adversely affected my credit score and, consequently, my ability to obtain necessary medical procedures. 

On XX/XX/scrub> 2025, I submitted a dispute through Equifax 's website regarding an incorrect balance reported on my XXXX account. This account was paid in full on XX/XX/year>2025. However, on the same day I filed my dispute, I received a statement from Equifax confirming that the balance was correct. This response was shocking, as it directly contradicted my records and the fact that the account had been settled. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a thorough investigation into disputes and ensure that the information they report is accurate. By failing to investigate adequately and confirming incorrect information, Equifax has violated my rights as a consumer. This failure not only resulted in an inaccurate credit report but also led to a significant drop in my credit score. As a result, I was denied a critical medical procedure that I needed. 

I urge the Consumer Financial Protection Bureau to take action regarding this violation of my rights and to ensure that credit reporting agencies adhere to their obligations under the FCRA. I am also seeking guidance on how I can rectify my credit report and recover from this situation. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

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 & # 39 ; 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 2025-01-29 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: FL

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sold approximately $ XXXX in cryptocurrency I owned on Coinbase.com. I then attempted to withdraw these funds to my bank. I selected the No Fee transfer which is free and takes 1-3 days. However, Coinbase charged me {$35.00} for the withdrawal. 

I attempted to contact the company right away and received messages stating customer service was not available. I tried again and waited for 2 hours on chat and no one was available. I tried requesting a call from the company and did not receive one. I tried chat again and received a notification that the wait time was more than an hour. There is no email option so I was never able to connect with a human being to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX is stating I owe them a balance. I have no knowledge of this company nor have I ever signed a contract with my signature. This is identity theft

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently filed a dispute with Experian regarding my personal information. I requested the removal of an incorrect address from my credit report due to inaccuracy. To support my request, I provided my correct address along with a copy of my drivers license and a utility bill. However, I received an email stating that the address had been updated rather than removed because additional supporting documents were needed, despite the fact that I had already provided them. I have not been successful in uploading the documents to the website as well. The FCRA The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) is the federal law that governs credit reporting agencies and requires them to remove inaccurate or unverifiable information from a consumers credit report. Please removed the disputed information from my credit report. Report number 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 2025-01-29 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TN

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX at XXXX I received an email stating that my account was restricted with no explanation as to why or timeframe as to when it would be unrestricted. I was unable to get to work because i use XX/XX/XXXX to get there. I waited until XX/XX/XXXXand called. I was greeted with a very unhelpful representative who told me I had to wait for an email. I emailed support several times to ask if they could please help me as this money is all i have and i need to be able to get to work and buy food. I currently risk losing my job as this is the 2nd day I am not able to attend. I have also not eaten for almost 2 days. My wife is in need of hygiene products which we can not buy because of this. I received am email with escalation number # XXXX. However i was given no way of contacting the person who sent is because it came from a do not reply email address. I was again told no timeframe and nothing at all about how i can access my money. My fear now is that if I lose my job because of this i will in turn lose my home and everything i have worked for. This seems like a small amount of money but it is all i have. I am left without the ability to buy basic necessities. This is day 2 now and i find it hard to believe nobody has been able to look at this given my urgent circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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