vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


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

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 2025-02-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington, XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding XXXX XXXX failure to properly investigate an unauthorized ATM transaction on my debit card. Despite my timely fraud report, Capital One denied my claim, citing authorization/participation in the transaction activity. This decision is incorrect and unfair, as I did not authorize or participate in this fraudulent transaction. My card was NOT in my possession at all. 

Summary of XXXX : On XX/XX/XXXX, unauthorized ATM withdrawals occurred on my Capital One debit card. 
I promptly reported the fraudulent transaction to Capital One Despite my report, Capital One denied my claim, alleging that I authorized or participated in the transaction without providing adequate evidence. 

Failure to Conduct a Proper Investigation : Under Regulation E of the Electronic Fund Transfer Act ( EFTA ) ( 12 CFR 1005.11 ), financial institutions are required to : 1. Conduct a reasonable investigation into reported unauthorized transactions.

2. Provide provisional credit within 10 business days if the investigation is incomplete.

3. Notify the consumer in writing of the investigations outcome, including an explanation of any denial.

Capital One has failed to meet these requirements by dismissing my claim without a thorough investigation or presenting any evidence supporting their conclusion.

Consumer Protections Against Unauthorized Transactions : Under 15 U.S.C. 1693g ( EFTA - Liability of Consumer for Unauthorized Transfers ) : If a consumer reports an unauthorized transaction within two business days, their liability is limited to {$50.00}.

If reported within 60 days of the statement, liability is limited to {$500.00}.

If the bank fails to conduct a proper investigation, the consumer can not be held responsible for unauthorized transactions.

Since I reported this unauthorized withdrawal promptly, I should not be held liable..

I urge the CFPB to review this matter and take appropriate action to ensure that Capital One complies with consumer protection laws. 

Thank you for your time and assistance. I look forward to your response. 

Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
The mistakes on my report are not just frustratingthey are causing me real financial harm. I have already lost opportunities because of these errors, and I refuse to continue being penalized for something that is not my fault. This is unacceptable, and it needs to be fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed by online company claiming that would make money by promoting they items. Was train how to use thier system but would need to but money in to complete these tasks and to be able to withdraw the fun. I had to complete this in crypto was walked throw the steps and was told that bank would help me complete the transfer to 3rd party companies to deposit the money. I did have to reach out to Well Fargo to get these completed but was never asked any question. Feel they did not help provide any protection of my money. Have attach complete file of the contacts and communication with them.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-25 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: IL

Complaint narrative:
Equifax investigated XXXX XXXX XXXXon my account they determine that it was fraudulent information and the information was to be deleted and it wasXXXX. After I provided the identity, theft report from the FTC. However the information ended up back on my report XX/XX/2025 I then submitted another report at the end of XXXX to the CFPB The fraudulent information was again removed on XX/XX/2025 now the information has been back on my report again for the third time as of XX/XX/2025 and they are now refusing to remove This fraudulent information.This is a violation of my rights under the FCRA. This is the 3rd time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Goldman case number : XXXX I was charged {$66.00} on XXXX XXXX on my Apple Card managed by Goldman Sachs XXXX It was from XXXX XXXX XXXX. I did not make this charge. The retailer is from the UK and has no contact information. Goldman Sachs continues to rule in favor of the retailer on the chargeback because they say I have not presented sufficient evidence. Im not sure how to prove I did NOT make a charge. They wont ask the retailer for proof of the charge. Of course, there is no proof since I did not make the charge. Goldman Sachs just says sorry and that they cant do anything about the fraudulent charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Self Financial Inc.
State: CA

Complaint narrative:
I applied for " credit builder account '' with self.in on XXXX of XXXX 
It's a kind of secure loan, when I'm paying my own money and the company reports about my payments to " build my credit score '' I've made payments during XXXX but than due technical issue self.inc was unable to receive my payments, charged my balance down to XXXX and reported to XXXX credit bureau about late payments. 

I asked to close this account, but self.inc never refund my money, and closed my account. This account still sitting on my credit report And it's hurting it because of " late payments ''.

Technically se

lf.inc hurting my credit score for my own money. I tryed to contact them, to send goodwill letter to remove this account from my report, but self.inc don't want to talk

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Collection Account on My Credit Report Dear Equifax, Experian, and TransUnion, I am formally disputing an inaccurate collection account that appears on my credit report. The collection agency XXXX XXXX XXXX is reporting a debt of {$390.00} allegedly owed to XXXX XXXX XXXX XXXX. However, this debt does not exist, as my balance with XXXX XXXX XXXX XXXX is {$0.00}. 

This collection account is completely inaccurate and unverifiable, and its presence on my credit report constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain only accurate and verifiable information. 

I am formally requesting the following actions : 1. The immediate removal of this collection account from my credit report as it is erroneous and does not reflect my actual financial standing. 
2. A detailed explanation of why this inaccurate information was reported and allowed to remain on my file. 
3. A confirmation that the disputed account has been deleted or a formal response within the legally required timeframe ( 30 days from receipt of this dispute ). 

If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as consider legal action for damages resulting from this false reporting. 

Please confirm receipt of this dispute and take immediate corrective action. 

Sincerely,

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 2025-02-25 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: OH

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Collection Account on My Credit Report Dear Equifax, Experian, and TransUnion, I am formally disputing an inaccurate collection account that appears on my credit report. The collection agency XXXX XXXX XXXX is reporting a debt of {$390.00} allegedly owed to XXXX XXXX XXXX XXXX. However, this debt does not exist, as my balance with XXXX XXXX XXXX XXXX is {$0.00}. 

This collection account is completely inaccurate and unverifiable, and its presence on my credit report constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain only accurate and verifiable information. 

I am formally requesting the following actions : 1. The immediate removal of this collection account from my credit report as it is erroneous and does not reflect my actual financial standing. 
2. A detailed explanation of why this inaccurate information was reported and allowed to remain on my file. 
3. A confirmation that the disputed account has been deleted or a formal response within the legally required timeframe ( 30 days from receipt of this dispute ). 

If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as consider legal action for damages resulting from this false reporting. 

Please confirm receipt of this dispute and take immediate corrective action. 

Sincerely,

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Subject : Request for Removal of Inquiry Due to Data Breach Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of an inquiry listed on my credit report under Ally Financial @ XXXX XXXX XXXX XXXX due to a recent data breach that has resulted in the unauthorized use of my personal information. The data breach, which I was a victim of, has caused significant damage to my credit, and I am requesting that any inquiries associated with this event be promptly removed. Under 15 U.S.C. 1692cc, I understand that I have the right to dispute any inaccurate or unauthorized information appearing on my credit report, particularly as it relates to practices such as unlawful or improper inquiries due to identity theft or a data breach. In addition to this legal framework, I would like to emphasize the harmful impact that this situation has had on my financial wellbeing and the need for swift action to rectify the situation. The inquiry in question was made without my consent, and I have already taken steps to report the data breach to the relevant authorities, including the Federal Trade Commission ( FTC ) and other consumer protection agencies. As such, I kindly request that you investigate this issue and remove the inquiry from my credit report at your earliest convenience. Should you require any further documentation, such as a police report or proof of the data breach, please let me know, and I will be happy to provide it. Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this Make sure to include any relevant details, such as the date of the breach and the specific inquiry in question, as applicable. Also, consider including any supporting documents, such as a police report or any notices from the company involved in the data breach. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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