vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
I do not owe this debt. I have not received any prior communication regarding this alleged balance, and I dispute its validity. There has been no agreement or transaction on my part that would justify this collection account. 

I request that CAINE & WEINER provide full validation of this debt, including the original creditor, detailed account history, and any signed agreements proving my obligation. If they are unable to provide sufficient documentation, this collection entry should be removed from my credit report immediately. 

Additionally, if this account was reported in error, I request that XXXX update my credit file to reflect its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Dispute Resolution Team, I hope this letter finds you well. I am writing to formally dispute inaccurate information listed on my credit report and to notify you that these ongoing issues with erroneous data have not been resolved despite my previous efforts. Specifically incorrect account, a late payment notation that was never late, or an account that does not belong to me. 

I want to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX due to failures in accurately handling consumer disputes and ensuring the accuracy of credit report information. As stated in the CFPB 's lawsuit, XXXX has been found to not have properly investigated disputes and often failed to remove or correct errors in consumer credit files. Unfortunately, my experience reflects these ongoing issues, as my disputes have not resulted in the proper correction of the inaccurate information on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a full and accurate investigation of the disputed items. I also expect that you promptly update or remove any inaccuracies found and provide me with the results of your investigation in writing. I have included all supporting documentation that substantiates my claim for your reference. 

Please consider this matter urgent, as inaccurate information is negatively impacting my credit score and, consequently, my financial well-being.

I look forward to receiving written confirmation of your investigation and the correction of my credit report. Please respond to me at the contact details listed above, and do not hesitate to reach out if you need additional information. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ( ssn ) XX/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 explanation
Consumer complaint received 2025-01-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Dispute Resolution Team, I hope this letter finds you well. I am writing to formally dispute inaccurate information listed on my credit report and to notify you that these ongoing issues with erroneous data have not been resolved despite my previous efforts. Specifically incorrect account, a late payment notation that was never late, or an account that does not belong to me. 

I want to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX due to failures in accurately handling consumer disputes and ensuring the accuracy of credit report information. As stated in the CFPB 's lawsuit, XXXX has been found to not have properly investigated disputes and often failed to remove or correct errors in consumer credit files. Unfortunately, my experience reflects these ongoing issues, as my disputes have not resulted in the proper correction of the inaccurate information on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a full and accurate investigation of the disputed items. I also expect that you promptly update or remove any inaccuracies found and provide me with the results of your investigation in writing. I have included all supporting documentation that substantiates my claim for your reference. 

Please consider this matter urgent, as inaccurate information is negatively impacting my credit score and, consequently, my financial well-being. 

I look forward to receiving written confirmation of your investigation and the correction of my credit report. Please respond to me at the contact details listed above, and do not hesitate to reach out if you need additional information. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ( ssn ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MO

Complaint narrative:
Subject : Complaint Regarding Equifax 's Failure to Investigate Student Loan Reporting Accuracy Dear CFPB, I am writing to file a formal complaint against Equifax for their failure to conduct a thorough and accurate investigation into my dispute regarding the reporting of late payments on my student loans. 

Background : I submitted a dispute to Equifax on XX/XX/XXXX, regarding the accuracy of late payment information reported by XXXX XXXX on my credit report. 
This dispute was closed on XX/XX/XXXX, without a satisfactory resolution. 
I subsequently submitted a second dispute on XX/XX/XXXX, providing additional documentation to support my claim. 

This second dispute was closed on XX/XX/XXXX, again without a satisfactory resolution. 

The Issue : My credit report with Equifax reflects multiple late payments on my XXXX XXXX XXXX XXXX account, specifically : 90 days late in XXXX XXXX 90 days late in XX/XX/XXXX Continuous late payments from XX/XX/XXXX to XX/XX/XXXX I believe these late payments are inaccurate and potentially harmful to my credit score. 


I have provided Equifax with supporting documentation, and I understand that XXXX, another credit reporting agency, was able to update my credit report to reflect the accurate payment history. 



Equifax 's Failure to Investigate : Despite providing evidence and requesting a thorough investigation, Equifax has failed to address my concerns. I believe their investigation was insufficient and that they have violated the Fair Credit Reporting Act 15 USC 1681e ( b ), which requires them to conduct a reasonable investigation of any disputed information. 
Request : I request that the Consumer Financial Protection Bureau investigate Equifax 's handling of my dispute and take appropriate action to ensure compliance with the Fair Credit Reporting Act. I also request that Equifax be required to conduct a thorough and accurate investigation into my dispute and correct any inaccuracies on my credit report. 
Thank you for your time and attention to this matter. 

Account ending in XXXX XXXX XXXX  for each XXXX  loan account reinvestigation from XX/XX/XXXX and was closed out on XX/XX/XXXX Confirmation number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I purchased a couch that was supposed to be {$5300.00} as it was on sale. At time of purchase pottery barn was having trouble with their system ringing up the sale price and charged {$7600.00} ( the non sale price ). I received my first Capital One statement with the incorrect charge and contacted Pottery barn to fix the charge. They fixed the charge by putting a credit of {$2300.00} to the card on XX/XX/XXXX. I then called capital one on XX/XX/XXXX because I received my new bill with a minimum due of {$640.00}. This minimum due is incorrect because Capital One advertised 12 months interest free financing. The minimum due of {$640.00} is the original charge of {$7600.00} divided by 12 months. Since the share was corrected I should be paying a minimum due of {$440.00}, which is the correct charge of {$5300.00} ( XXXX ) divided by XXXX. They have refused to honor the 12 months of interest free. They said I must pay {$640.00} if not my credit will be reports, well {$640.00} pays of this car in 8 months not XXXX as advertised. I can't pay less to ruin perfect credit and they won't honor their 12 months. I spoke to XXXX she refused. I want my 12 months interest free and correct eh minimum due to {$440.00} which does this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Block, Inc.
State: KS

Complaint narrative:
First of all I had XXXX $ of unauthorized transaction on cash app starting in XXXX to XXXX I had reported every single one. each transaction XXXX threw " XXXX XXXX  '' and each transaction was done in different states I provided proof to customer service and they had only gave me back XXXX. Second of all I used there check deposit feature where you take a picture of the check and it gets deposited into my account it was for XXXX and they now say it will take up 13 days for my check to be deposited. I had reached out to them to see if they could make it quicker or decline the check so I can cash it else where and was told they were unable to do either. Attached are only a few screen shots that I had taken as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to dispute inaccurate and incomplete information on my credit report that you are required to investigate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite previous attempts to resolve this matter, these inaccuracies remain unresolved and continue to harm my creditworthiness.

The inaccurate information includes : 1. [ List each specific item, e.g., Account with [ credito
r name ], Account Number [ XXXX ], showing [ inaccurate details like status, balance, or dates ]. ] XXXX. [ Additional items, if applicable. ] These inaccuracies directly violate FCRAs mandate that credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ). Furthermore, I am concerned your reinvestigation process has mirrored the deficiencies noted in the recent CFPB lawsuit, such as : Failing to conduct a reasonable reinvestigation of disputed items ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Using vague or incorrect dispute codes that fail to convey the full nature of my dispute to furnishers, resulting in inadequate investigation and resolution.

Ignoring critical evidence I have submitted to support my dispute. 
Failing to provide clear and comprehensible results of your reinvestigation, leaving me unable to identify what, if anything, has changed in my credit file. 

Attached to this letter, I have included documentation supporting my dispute, including : XXXX. [ List documents, e.g., Bank statements, settlement agreements, payment receipts, etc. ] I demand the following actions : XXXX. A thorough reinvestigation of the disputed items. 
XXXX. Correction or deletion of inaccurate and unverifiable information. 
XXXX. Written confirmation of the reinvestigation results, specifying exactly what changes were made or why no changes occurred. 

I trust Experian to take this matter seriously and resolve it promptly, as required by law. Please complete your reinvestigation within 30 days and notify me of the results. If Experian fails to comply, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

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

Sincerely, 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 2025-01-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Charged upfront fees for services that were never rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CT

Complaint narrative:
Due to account being hacked at all XXXX  credit companies, I have been receiving unsolicited calls, texts and emails from vendors. 
I have frozen my profile at all companies to prevent illicit activities.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Due to account being hacked at all XXXX  credit companies, I have been receiving unsolicited calls, texts and emails from vendors. 
I have frozen my profile at all companies to prevent illicit activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
I was finally able to contact the company on XX/XX/XXXX and asked if they done pay to delete if possible. In which they told me yes they do offer that so I requested it in writing before I would continue with payment. They done as asked and sent me email with everything wrote up and made payment for the full amount I owed in return. Well though it's paid in full they keep telling y'all I still owe the balance when I dispute on credit report. I have my bank statement where was paid in full and email they sent as agreement terms to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-26 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: GA

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 non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
I have been trying since 2023 to close this account using the email system, chat system and calling customer service. I take all necessary steps they ask yet they continue to not close the account and send me the same " Boiler Plate '' responses as to why it cant be closed.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
The person who committed fraud with XXXX sent me money and then reported fraud and Wells Fargo never investigated it. They closed my account with me in the negative and sent it back and there was nothing done on my end to help or protect 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 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: NY

Complaint narrative:
My wife and I had a monthly membership at the New York XXXX XXXX XXXX XXXX in XXXX, NY. In XX/XX/XXXX, I decided to cancel the membership because we had moved away. A gym employee told me to cancel by emailing XXXX XXXX XXXX XXXX at XXXX, which I promptly did on XX/XX/XXXX. However, on XX/XX/XXXX, I received an email from XXXX XXXX, stating that I owed {$62.00} for failure to pay the gym membership for the month of XXXX. The email informed me that XXXX XXXX was a debt collector and that they accepted disputes and original creditor information requests electronically at XXXX. The email assured that such requests would be honored within 30 days. 

At this time, I also began to receive phone calls from XXXX XXXX XXXX XXXX per week. These calls are automated, and there is no apparent ability to speak with a person. 

On XX/XX/XXXX, I called the gym, and XXXX XXXX emailed me later that day to apologize for missing my XXXX email to her but told me that her records correctly reflected that I had not been billed since XXXX. I relayed this information to XXXX XXXX and also alternatively asked them to verify my debt. To my surprised, XXXX XXXX responded by directing me to resolve my dispute with the gym and that my email with the XXXX XXXX did not clearly indicate that she had made an exception for me. I reached out to the gym again on XX/XX/XXXX, and XXXX XXXX immediately responded to me, saying that I was not responsible for the debt and that she would reach out to XXXX XXXX to clear it up. 

I immediately forwarded this email to XXXX XXXX and reiterated my alternative request for them to verify my debt. I implored them to follow up with gym management before continuing debt collection attempts and even offered to pay the purported debt if provided with confirmation from the gym. This morning, on XX/XX/XXXX, XXXX XXXX told me that I needed to pay the purported debt in order to confirm my request for them to verify my debt. 

I believe XXXX XXXX are engaging in predatory debt collection practices. I believe that I have provided them with adequate notice that the debt is invalid and have begged them to follow up with the gym. I believe that XXXX XXXX has also refused to communicate in good faith providing only circular responses that urge me to pay without any indication that they spoke with the gym regarding my dispute. They have threatened to allow service charges to accrue until I paid the invalid debt in full and to assign it to another debt collection agency. The phone calls must also stop. I have also worked very hard on my financial reputation and my reputation as a federal government attorney, and I worry constantly about the embarrassment and financial harm the continued harassment might cause me. 

I am attaching my email communications with XXXX and XXXX XXXX in full.

Company response to consumer: Closed with explanation