vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I contacted Capital One on XX/XX/year> to make 1 final payment of {$22000.00} to close out the account. The agent I spoke to to make the payment was on speaker phone with myself and my mom. The agent collected the payment with my mom 's permission via phone using my mom 's checking account # on the XX/XX/year>. The agent provided me a reference # and noted I would be receiving a letter in the mail with the account information reflecting closed. On XX/XX/year>, I contacted Capital One again noting my account indicated returned payment which reflected on my mom 's account on XX/XX/year>. When I spoke to another agent on this day, they had stated that Capital One could not verify the account information. I told him I was not understanding how that is possible because the entire payment was taken out of my mom 's account and she had shown me the payment was taken out in full on XX/XX/year>. That same agent said to call back on XX/XX/year> due to Capital One investing the issue. I contacted Capital One on XX/XX/year> in which another agent stated that the reason the payment of {$2200.00} was returned was because my mom 's account could not be verified. Stated an investigation would be made AGAIN noting one had yet to be made. On XX/XX/year> I spoke to another agent that stated the payment was not a returned payment, Capital One put the payment back in my mom 's account. At that point I was transferred to the Account Specialist and it indicated it was their understanding the information was mistyped/invalid information. He said to get a letter from my mom 's bank and proof that the payment had been taken out of her account. I could not get a Letter from my mom 's bank because the bank stated it was not in the banks error, but in the event that Capital One took the payment on XX/XX/year>, they returned the payment on XX/XX/year> with no reason for return. On XX/XX/year>, I contacted Capital One regarding the same recurring issue and the agent I spoke to on this day indicated that the reason was due to the account not being located and MY name was not on my mom 's account. I stated that was ridiculous because when making the initial payment my mom was present ON A RECORDED LINE providing her information and consenting to the payment being processed. I have the proof of the payment being processed from my mom 's account as well as the proof of the payment being placed on my Credit Card Statement. The fact I can not get a straight answer on why the payment is extremely frustrating and now it has effected my credit score and credit. I felt like I have gotten the runaround on information and now I have several late fee and interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute a charged-off account that has been reported on my credit file by XXXX XXXX XXXX. This account, which is reported as charged off in the amount of {$4500.00}, dates back to XX/XX/XXXX. I filed a report with the National Credit Union Administration ( NCUA ) on or about XX/XX/XXXX, under Case Number XXXX regarding this account. 

Following this, I received a call from XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX, requesting that I return his call regarding the investigation. Upon doing so, I was informed that this account had been sent to a collections agency called XXXX, XXXX, XXXX, & XXXX. I was provided with their contact details and contacted the agency. When I reached out to XXXX, XXXX, XXXX, & XXXX, I was advised that the balance owed is {$3000.00}, which is significantly lower than the amount XXXX XXXX XXXX has reported for the past XXXX years. 

This discrepancy further highlights the inaccuracies associated with this account. The representatives from XXXX, XXXX, XXXX, & XXXX assured me they would follow up with XXXX XXXX XXXX regarding this issue next week. However, given that I have been disputing this account for the past XXXX years for inaccuracies, and it has continuously been marked as " verified '' despite the discrepancies, it is clear that proper steps were not taken to ensure the accuracy of this account on my credit report. 

I would like to bring to your attention that Experian, XXXX, and XXXX has repeatedly reported this account as verified despite my ongoing disputes, which is in direct violation of proper credit reporting standards. Recently, Experian has been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly verify credit accounts, further validating my concerns regarding this case. 

As a result of these ongoing inaccuracies, I am formally demanding that this charged-off account be removed from my credit report in its entirety. Given the significant discrepancies between the balance reported by XXXX XXXX XXXX and the collections agency, along with the repeated failures to accurately verify this information, it is clear that this account can not be considered valid in its current form. 

I request that you take immediate action to remove this account from my credit file and provide me with written confirmation once this has been done. 

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

Sincerely, 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 2025-02-07 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-02-07 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:
There is incorrect personal information on my credit report, which has led to an unfamiliar and inaccurate account being linked to me. I have been a victim of identity theft, and my information was used fraudulently, resulting in an account that I have no connection to. As instructed by Experian, I filed an FTC report and provided all necessary documentation, yet this fraudulent item still remains.

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 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK
State: MD

Complaint narrative:
I lost access to an account ( XXXX XXXX  ) which had an auto replenishment. Each month the account would charge a {$1.00} admin fee. I tried to contact XXXX XXXX  too many times to count in an effort to try to close the account but I couldn't. 

The auto replenish was through my discover card so I called discover and attempted to block the charge through them. They allowed the charge and I disputed it. This was from I believe XX/XX/XXXX to XX/XX/XXXX. I thought the issue was resolved but XXXX XXXX charged the card again in XXXX of XXXX. I called discover to ask what happened and was told that sometimes vendors have multiple account numbers so if they got blocked by XXXX they could use another. I said that's fine but it wasnt a valid or authorized charge and they said they would dispute it. 

For some reason, they are claiming it is a valid charge despite me attempting to block it for multiple years. They sent XXXX XXXX 's proof that it was an authorized charge, which was simply the annual statement of the account I lost access to and a monthly admin fee. The account has not been used since XXXX when I moved to Florida, which does not use XXXX XXXX. I am simply being charged because XXXX XXXX refuses to close the account and Discover refused to block the charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
To whom this may concern, I recently found myself looking to become a home owner and wanted to take a look at my credit report. I noticed a bunch of fraudulent activity on my report which prompted me to file a FTC report that I will be attaching to this report which contains XXXX fraudulent accounts as well as inquiries I didn't do as if I can recall correctly I havent had my credit pulled since I moved into my house more then 15 years ago.

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 2025-02-07 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: FactorTrust, Inc.
State: MA

Complaint narrative:
I have exausted every avenue possible in obtaining my report and data that FACTOR TRUST is providing and selling. Every Online, mail and phone requests were all denied telling me that they can not verify my info ( even when i provided documention via mail ) Im done with this company and there tactics. they will sell it to anyone in the world but deny me saying i cant be verified. Thats fine! I am sending the a good faith demand letter then filing suite when thats ignored. I will not waste another minute other than obtaing the free council and representation provided to me through the VA for being a 100 % XXXX vet. I am on a mission now. Send it or dont send it. Doesnt matter anymore because we will let the judge decide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Lvnv debit collector past on the debit to another collector. But no has not mail the original debit with their company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
I have a collection account on my credit reports that isn't mine. I also have many hard pull inquires that were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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 have a collection account on my credit reports that isn't mine. I also have many hard pull inquires that were not authorized by 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 non-monetary relief
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
I am writing to formally file a complaint against Experian, XXXX, and Equifax for repeatedly re-inserting inaccurate information on my credit report without providing the legally required five-day prior notification, as outlined in 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). 

I have disputed this information multiple times with Experian, and both XXXX and Equifax have previously deleted the inaccurate items, only to have them reappear on my credit report without proper notice. This has caused undue harm to my creditworthiness and financial stability

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 2025-02-07 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: GA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the p
ayment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: LA

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 2025-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, someone fraudulently used my social to request a Capital One credit card. This requested in a hard credit inquiry with all three credit bureaus. I have since filed disputes with the bureaus except for XXXX who said I have to mail in the request. Additionally, Capital One reported the application as fraud denying it. They also said it would be forwarded to the credit bureaus to let them know to remove the hard inquiry. I have also since froze all XXXX of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported.

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 2025-02-07 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: TX

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported.

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 2025-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
These are not my debts. I am a victim of identity theft. 
I did not open, or authorize, these accounts. 
The information listed, regarding these accounts, which also appears on my credit report, are not my own. 
I have never lived in XXXX XXXX 
My name is not spelled XXXX XXXX. 
Someone has stolen my information during a data breach with XXXX, as well as, XXXX ( XXXX ). 
Someone has obtained my photo ID/Drivers License as well as my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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