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

Complaint narrative:
Complaint Against Experian for Inaccurate Reporting, Sham Investigations, and Violation of Statutory Requirements I am writing to file a formal complaint against Experian regarding their failure to correct inaccurate information on my credit report and their refusal to properly validate disputed items. In my previous complaint on XX/XX/year>, Experian did not provide the required evidence to substantiate that the alleged late payments are accurate. Specifically, the report falsely shows late payments on my XXXX XXXX accounteven during the COVID-19 periodwhen I maintained a satisfactory payment record. Furthermore, these reported late payments are inconsistent with the data provided by other credit bureaus ( XXXX and XXXX ). 

Violation of Statutory Requirements ( 15U.S. Code 1666 and 6802 ) : 15U.S. Code 1666 : This provision requires that any information related to late payments and associated fees must be accurate and substantiated. Experians inclusion of allegedly late payment datawhich I contest as false and unverifiedappears to violate these statutory standards by unfairly harming my credit record.

15U.S. Code 6802 : Under this section, consumer reporting agencies are mandated to ensure the accuracy, completeness, and prompt correction of consumer information. Experians failure to update or verify the disputed late payment information further demonstrates non-compliance with these regulatory requirements. 

I respectfully request that the CFPB investigate Experians failure to conduct a proper, compliant investigation of my dispute. Their actionscharacterized by sham investigations, failure to verify disputed data, and non-compliance with the statutory requirements of 15U.S. Code 1666 and 6802have caused significant harm to my credit standing. I seek corrective measures, including the removal or correction of the inaccurate late payment entries, and appropriate consumer redress.

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 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received this text on XX/XX/year> from XXXX : Thanks for giving Capital One your mobile number. You may get texts with important info about your account from XXXX or XXXX. 

You also now have access to XXXX, your Capital One assistant. You can talk to XXXX by sending a text to XXXX. 

Reply HELP for more info. Reply STOP if you don't want to receive text messages from Capital One. Msg frequency varies. Msg & data rates may apply.

I didnt respond as I thought it was spam. Then I received this text on XX/XX/year> : Hi, your new XXXX Credit Card has shipped and should arrive by XX/XX/XXXX. Track your card 's shipment in the Capital One Mobile app https : //capital.one/XXXX  And I didnt respond, however, my mom received a XXXX credit card at her address a few days later. The card was originally sent to an address my parents FORMERLY lived, but I personally have never lived there. 

Today, XX/XX/year>, I called Capitol One support, XXXX ( XXXX ) XXXX, and spoke on the phone with XXXX, who said his ID is XXXX. 

He asked for my last 4 digits of my social security number. I declined to provide this and initially he said he couldnt help me if I did not provide it. I still declined and eventually he helped me. I did provide him with the last four digits on the account that was created, XXXX. 

He said the account was created XX/XX/year>. I shared I was working at that time and did not create an account and wanted my account cancelled/closed. 

He said Capitol One was going to investigate and I would receive word back from the address associated in 60-90 days. He said if I had any questions throughout the process I could call XXXX XXXX XXXX. 

He was very confusing over the phone as he also said that anyone would have access to the account if they wanted, I reiterated I wanted the account/card cancelled. 

I do not feel good about any of it and would love support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX. Social security # XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you early warning system reporting agency, block and remove 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 have been a major problem with me opening up any new bank accounts. I gave made multiple complaints addressing this matter and will be taking steps into getting this situated in the court if thats what it takes. This consists of an account that opened up by XXXX  XXXX XXXX account # XXXX Opened on XXXX. accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer report. Once again I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my Early warning system consumer report.. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts and address on my credit report. This information is preventing my from attaining my XXXX XXXX XXXX. 

Please remove this fraudulent information. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I called Macys/CBNA and requested account information. I was told I had XXXX accounts with XXXX balances. I am a victim of identity theft and my information has been comprised in a data breach. I don't owe Macys. My macys account has been paid and closed for years.

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 2025-02-02 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: AE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts and address on my credit report. This information is preventing my from attaining my XXXX XXXX XXXX. 

Please remove this fraudulent information. 

Thank you.

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

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as inaccurate : XXXX XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 have reviewed my credit report, and I do not recall giving consent for this inquiry. According to the Fair Credit Reporting Act ( FCRA ), any credit inquiry made without my authorization is a violation of my rights, and I request that it be removed immediately. 
Please investigate this matter and provide confirmation of the removal of the inquiry from my credit report. If you need any further documentation or information contact me. 

Please see attachments for dates and name of companies

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 2025-02-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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 hard inquiries that I never authorized, such as XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX AND XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

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

Complaint narrative:
I am writing to formally file a dispute concerning the accuracy of certain information reported to my credit file. I have previously submitted disputes directly to the relevant creditors in XXXX and XXXX of 2024. However, I have not received satisfactory resolutions, and I seek your assistance in addressing these matters. 

Specifically, the issues involve XXXX closed accounts and a recent hard inquiry. Below are the details : XXXX. XXXX Autos Account Status : Closed Dispute Sent : XX/XX/year> Issue : The account is reported as closed, but I have reason to believe that the reporting does not accurately reflect the status of this account. 

XXXX. Self/South State Bank Account Status : Closed Dispute Sent : XX/XX/year> Issue : The account is inaccurately reported as closed or settled, and I believe there is an error regarding the balance and status. 

XXXX. Defense Finance Account Status : Closed Dispute Sent : XX/XX/year> Issue : This account was marked as closed, but I dispute the balance and reporting associated with it. 

XXXX. XXXX XXXX XXXX XXXX 
Account Status : Closed Dispute Sent : XX/XX/year> Issue : The account is reported as closed, but I dispute the accuracy of this entry. 

Additionally, I have noticed an unauthorized hard inquiry from XXXX XXXX on XX/XX/year>, which I do not recognize or consented to. This inquiry is incorrectly affecting my credit score and I request that it be thoroughly investigated. 

I respectfully request that the CFPB investigate these matters and take appropriate action to ensure that all reported information is accurate and in compliance with the Fair Credit Reporting Act ( FCRA ). 

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

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 2025-02-02 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: IL

Complaint narrative:
I am writing to formally file a dispute concerning the accuracy of certain information reported to my credit file. I have previously submitted disputes directly to the relevant creditors in XXXX and XXXX of 2024. However, I have not received satisfactory resolutions, and I seek your assistance in addressing these matters. 

Specifically, the issues involve XXXX closed accounts and a recent hard inquiry. Below are the details : XXXX. XXXX Autos Account Status : Closed Dispute Sent : XX/XX/year> Issue : The account is reported as closed, but I have reason to believe that the reporting does not accurately reflect the status of this account. 

XXXX. Self/South State Bank Account Status : Closed Dispute Sent : XX/XX/year> Issue : The account is inaccurately reported as closed or settled, and I believe there is an error regarding the balance and status. 

XXXX. Defense Finance Account Status : Closed Dispute Sent : XX/XX/year> Issue : This account was marked as closed, but I dispute the balance and reporting associated with it. 

XXXX. XXXX XXXX XXXX XXXX 
Account Status : Closed Dispute Sent : XX/XX/year> Issue : The account is reported as closed, but I dispute the accuracy of this entry. 

Additionally, I have noticed an unauthorized hard inquiry from XXXX XXXX on XX/XX/year>, which I do not recognize or consented to. This inquiry is incorrectly affecting my credit score and I request that it be thoroughly investigated. 

I respectfully request that the CFPB investigate these matters and take appropriate action to ensure that all reported information is accurate and in compliance with the Fair Credit Reporting Act ( FCRA ). 

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

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

Complaint narrative:
I am writing to file a formal complaint regarding the failure of the credit reporting agencies XXXX, Equifax and XXXX to properly investigate and remove an account from my credit report that does not belong to me. Despite multiple dispute attempts and my clear assertions that the account is fraudulent, the credit bureaus have failed to take appropriate action and have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Background Information : Account in question : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Current status of dispute : unresolved remains on my credit report FCRA Violations by Credit Bureaus : Under the FCRA, credit bureaus are legally required to conduct a thorough investigation within 30 days of receiving a consumers dispute. However, despite my clear and documented dispute efforts, the credit bureaus have repeatedly failed to : Conduct a proper investigation of the account, as required by Section 611 of the FCRA. 
Remove the account from my credit report, despite the fact that I have provided sufficient evidence that the account does not belong to me. 
Provide a written explanation or proper documentation regarding their findings or any evidence they used to substantiate their conclusions. 
Additionally, I have received either incomplete responses or no responses at all from the credit bureaus, which is a clear violation of my rights under Section 609 of the FCRA to receive an accurate investigation and the results thereof.

My Rights Under the FCRA : Section 607 ( a ) of the FCRA mandates that the credit bureaus ensure the accuracy and completeness of the information reported. The presence of an account that does not belong to me is a clear violation of this requirement.

Section 611 ( a ) requires credit bureaus to investigate disputes thoroughly and within 30 days. Their failure to act properly within this timeframe is unlawful.

Section 609 ( a ) guarantees my right to receive the results of any investigation, including documentation of evidence used in their determination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the debt for First Credit Services in the amount of {$100.00} and to request validation of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

According to the FDCPA, I am entitled to request verification of the alleged debt, including the original creditors information and proof that I am legally responsible for the amount claimed. As such, I request the following : 1. Validation of the debt, including a detailed accounting of the amount owed and the original creditors name.

2. Proof that you have the legal authority to collect this debt.

3. Copies of any agreements or contracts bearing my signature that confirm my obligation to pay.

Until you provide this information, I request that you cease all collection activities, including reporting this debt to any credit bureaus, as unverified debts must not be pursued under the law. Additionally, any further attempts to collect without proper validation may be considered a violation of my rights under the FDCPA. 

If this debt is found to be valid, I am prepared to discuss potential resolutions. However, if you can not provide sufficient evidence, I expect this matter to be closed, and any negative credit reporting removed immediately. 

Please respond in writing within 30 days of receiving this letter. Failure to comply with my request will result in me pursuing further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have requested my report several times they have yet to respond or send my report its being used without my permission. I haven't been able to identify if the report is accurate, I have been denied for an apartment which has caused damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Lendbuzz Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Lendbuzz Funding LLC for failure to provide proof of loan ownership, misleading contract language, and potential violations of the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1641 ( f ) ( 2 ) ). Their actions raise serious concerns regarding unauthorized collection practices, breach of contract, and failure to disclose essential ownership information as required by law.

1. Failure to Provide Proof of Loan Ownership ( Potential TILA Violation 15 U.S.C. 1641 ( f ) ( 2 ) ) - I submitted a written request to Lendbuzz requesting documentation of loan ownership.

- TILA ( 15 U.S.C. 1641 ( f ) ( 2 ) ) requires them to disclose the name, address, and contact information of the loan owner upon request.

- Lendbuzz failed to provide this information, which may constitute a violation of federal law.

2. Contradictions Regarding Loan Ownership and Collection of Payments - Lendbuzz is collecting payments from me while simultaneously claiming that the loan is owned by a wholly owned subsidiary. 

This raises serious concerns about : - Lendbuzzs legal standing to collect payments. If they do not own the loan, they must prove they have authorization to collect on behalf of the true owner. 
- Possible misrepresentation. If they lack legal authority, their collection actions may constitute fraudulent collection practices.

3. Failure to Maintain and Disclose Ownership Records ( Breach of Contract Section 19 of the Agreement ) The agreement designates Lendbuzz as the Registrar, responsible for maintaining a Register of ownership interests.

Lendbuzz refused to provide the Register, despite my request, violating their own contractual obligation.

4. Ambiguous and Misleading Contract Language - The agreement refers to the transaction as both a consumer credit transaction and a loan, creating confusion regarding my rights and obligations.

- This ambiguity affects transparency and enforceability of the agreement.

5. Conflict of Interest and Question of Standing -Lendbuzz asserts that the loan is owned by another entity but continues collecting payments, creating a potential conflict of interest.

- If they lack the legal authority to collect payments, this may violate federal debt collection laws.

Company response to consumer: Closed with explanation