vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-11 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX I open a dispute for some charges from XXXX XXXX XXXX for ( XXXX XXXX ) that appeared on my credit card. I do not know who that is. I opened a dispute for XXXX amounts of {$100.00} + ( not sure of amount ) and never heard a response from Macy CC. Never got a letter or resolution in to the investigation. On XX/XX/year>, I got a call that I had been late on my payment. I was stunned. I explained to the women that I did not have any late payments or charges by that fact. I had just paid the card off on XX/XX/year> of XXXX and that there was a dispute open. She informed me that there were not those charges but XXXX other charges had come in. I told her that those were not my charges, yet again and she told me that I needed to open a dispute. I did so now the total was {$420.00}. I have not had no letter or response to those XXXX open disputes. I keep getting harassing calls that I need to give payments and that late charges have occurred. Every 3 days I get a phone call and have to repeat the same story to them. Today I called to get information on if there had been a resolution, I was transferred XXXX time to different departments, to end back at customer service. XXXX was the last person I spoke with. She informed me that in fact there was no dispute opened or action taken on my account. To find this out was highly infuriating. I explained to her that I wanted this taken care of as now it was affecting my credit score. She informed me she was going to reverse the late charges and reopen an investigation on these charges. I explained to her that I did not make those charges and that the name did not match mine for those charges to be charged to me. Please assist with this since I have been dealing with this for several month and feel unheard and harassed by Macy 's CC debt department. I am unsatisfied on how they have handled this issue.

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 monetary relief
Consumer complaint received 2025-02-11 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
XXXX - American Express Late Payment Dispute Payment was scheduled in bill pay to mail a check to American Express on XX/XX/year> upon receipt of American Express Invoice 27-days before the American Express due date. 
Payment was mailed on XX/XX/year> and not processed by American Express until 21-days later on XX/XX/year>. 
I use my Banks bill pay system to process all other monthly billing for all other accounts with no issues and can document all these dates. 
Only American Express has had delayed processing issue. 
I believe American Express is intentionally delaying processing so they can charge and assess late fees and/or they do not have the capacity to manually process checks in a timely manner causing their clients to be assessed unwarranted late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: VA

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 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
i received a phone call stating there was fraud activity on our Citibank XXXX visa card. He had birth year, home address, & last 4 digits of the card, He was very hard to understand so i asked for a call back number to speak with someone else. phone number given was XXXX. 
i then called Citibank directly to verify the information he provided. i spoke with XXXX XXXX who did advise there was NO fraud activity on our account. She also confirmed this directly with their fraud department. 
i did a reverse phone number search on XXXX and discovered this area code is associated with scammers. What can be done to stop this?

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 2025-02-11 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: WA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 explanation
Consumer complaint received 2025-02-11 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: MN

Complaint narrative:
I had addresses which didn't belong to me prior to XXXX. Experian removed them as of prior to XX/XX/XXXX they were removed. XX/XX/XXXX report they were still non existent on my report. 
As of XX/XX/XXXX a XXXX XXXX XXXX to my report since then my current report shows over XXXX addresses which were removed. 
Experian has been non responsive to requests : 1. Why are they on my report with NO NOTIFICATIONS TO ME?

2. I DO NOT WANT INCORRECT OR OUTSATED INFORMATION ON MY REPORT 3. A collection account I have disputed for NEVER ORDERING RENTAL INSURANCE FROM XXXX XXXX  BY XXXX XXXX has been disputed as FRAUD AND NEVER REMOVED, NEVER GOT ANY LETTER FROM XXXX AND NEVER RECEIVED A VALIDATION OF DEBT REGARDING THE {$260.00}. Non of the bureaus validated or removed this from my account.

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 2025-02-11 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX 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 2025-02-11 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:
This is my fourth dispute about the same account with XXXX  XXXX XXXX ( account # XXXX ), and frankly, Im beyond frustrated. Experian is still reporting the payment status as Current, was past due 30 days, while XXXX and XXXX correctly show this account as Paid or paying as agreed. How is this even possible when Experians own payment history shows a consistent OK status with no late payments? Look at the attached credit reporttheres no excuse for this. If the payment history is clean, how can you still be reporting a 30-day delinquency? Stop playing games. FIX THIS! This is a complete failure of logic and accuracy. Experian has had more than enough time and proof to fix this, but instead, theyve ignored my prior disputes and continued damaging my credit. This goes beyond a simple mistake. Its NEGLIGENCE, and its causing me real harmmaking it harder to get loans for my business and blocking me from securing housing for my family. Under the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ), credit bureaus are legally required to ensure maximum possible accuracy, but Experian clearly isnt doing its job. Theyre also violating 15 USC 1681c-2 ( a ) by refusing to block inaccurate information even after I provided proof. Enough is enough. Im demanding that Experian correct the payment status to PAID AS AGREED immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently received a copy of my credit report and noticed that the information it contains is inaccurate and incomplete, including incorrect account details, incorrect late payments, or other missing information. 
This inaccurate information is negatively impacting my credit score, and I believe it is incorrect. Under 15 U.S. Code 1681s2, furnishers of information are required to ensure the accuracy of the data reported to credit agencies. As such, this erroneous information is damaging my credit. 
Additionally, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I kindly request that you investigate this matter and either remove or correct the inaccurate information on my report. 
I have attached a copy of my credit report highlighting the incorrect information for your review. Please take prompt action to correct this issue.

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 2025-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: NC

Complaint narrative:
XX/XX/year> I reached out to this company because I wanted a loan for my startup company. They told me that they could help me and that I didn't have to worry about the loan going on my credit report! I should have known then that I was signing a bad deal! They approved me for They told me that I could not payoff early before the 1 year. I guess because they wanted to accumulate that extremely high interest rate. The loan was for XXXX, XXXX balance is {$47000.00} with monthly payments of {$1200.00}. I have never missed a payment. The interest rate is a whopping 16.99 percent. 
I was told that their was a class action law suit against this company for being a predatory lender practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: IN

Complaint narrative:
I been disputing XXXX collections for a few months now. From the start I asked for a copy of the contract with me agreeing to pay these medical collections. I know they dont exists. XXXX XXXX name was on everything. After submitting disputes through TransUnion when dispute site. I was and am very confused why either TransUnion or this collection company arent bound by rules such as tge rule implemented in 2021 no attempt contact no report. No one has still contacted me. Thats a violation XXXX violation I have been asking in each dispute for a contract that doesnt igsist. But each dispute comes back verified while my request are ignored. XXXX violations set forth from FCRA robbing me of my rights not to mention TransUnion just fixing an incorrect date by more than 50 years. Please lets hold then accountable

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
There has been fraudulent accounts made to my consumer report, there unauthorized charges made to my account please see attached to receive the information of accounts mentioned

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 2025-02-11 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:
There has been fraudulent accounts made to my consumer report, there unauthorized charges made to my account please see attached to receive the information of accounts mentioned

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
On XX/XX/year> someone broke into my account and made a pay in 4 purchase of {$480.00} at XXXX in XXXX, GA. I reported this to Sofi and they immediately locked my account. They told me they would investigate and it would take 48 hours before my account was unlocked. I have called multiple times for an update since its been almost 2 weeks and I have bills due. This may potentially impact my credit score due to being unable to pay my credit cards. I told Sofi all of this, they told me they couldnt update me. They informed me that I couldnt speak with anyone from the review team and were able to give me a timeframe that my account would be unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
My Capital One account that was charged off was reporting incorrectly for multiple months. It was and still is reporting as charged off even though when I call them, they say that they sold the debt to XXXX XXXXXXXX XXXX, a debt collection company. 

On XX/XX/XXXX, XXXX XXXX XXXX said that I was approved for a permanent hardship program and that they would cease collections on the account close it permanently marking it paid on my credit reports. 

On XX/XX/XXXX I pulled my credit report. The issue is in the discrepancy between this credit report and following ones. The XX/XX/XXXX credit report showed BOTH the Capital One account that was sold to XXXX XXXX XXXX, AND showed the XXXX XXXX XXXX  account as paid off. If Capital One sold my debt, they are responsible for not be reporting it as an account that they currently own that is charged off, and therefore only the collections should be showing. 

However, as I mentioned, I was approved for the permanent hardship program after I applied for it in XX/XX/XXXX. To my surprise when I pulled my credit report in XX/XX/XXXX, both Capital One and XXXX XXXX XXXX were both showing as charged off accounts, and paid and closed that was on my XX/XX/XXXX credit report was no longer there. 

I am requesting that you remove both the Capital One account ending in XXXX and the XXXX XXXX XXXX ( XXXX ) account from my credit report among all XXXX  bureaus, especially given the fact that it was considered paid off due to my permanent hardship application through XXXX, the company Capital One sold my debt to. I called XXXX XXXX XXXX today XX/XX/XXXX and the representative told me verbatim that I am no longer liable for the debt. 

This discrepancy is negatively impacting my ability to fix and repair my credit and XXXX XXXX XXXX is refusing to furnish a physical letter saying that I was approved for this hardship program. Regardless, it was reported as paid off before in XXXX, so there should be no reason it is showing up as charged off or in collections when it is not either of those things. Capital One is also still saying as of XX/XX/XXXX that on their end the debt still shows as being sold and collected upon by XXXX XXXX XXXX. 

Again, the resolution I'm looking for is to delete both of these accounts off of my credit report since they have been satisfied, and the terms of satisfying the account include deleting the debt off of my credit report.

Company response to consumer: Closed with explanation