vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Inaccurate Name 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 Inaccurate Address XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX Late Closed XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX {$3200.00} Date Opened : XX/XX/XXXX Collection XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX {$1500.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$2400.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$3000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX AAA ) XXXX {$380.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX {$410.00} Date Opened : XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX {$1300.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX {$960.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX {$630.00} Date Opened : XX/XX/XXXX ( Original Creditor : ) XXXX {$840.00} Date Opened : XX/XX/XXXX ( Original Creditor : ) XXXX {$1400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Despite my previous disputes, these errors remain unresolved, and as a result, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to your continued noncompliance. 

The following accounts and information are incorrectly reported and must be immediately investigated and removed : XXXX Account # XXXX Date Opened : XX/XX/XXXX Issue : Late Payment incorrectly reported. I have never made a late payment on this account. This is a clear violation of 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Issue : Late Payment incorrectly reported. I have never been late on this account, and no verifiable evidence supports this claim. Under 15 U.S.C. 1681i ( a ), you are required to reinvestigate and correct these errors. 

Additionally, my credit report contains multiple inaccurate addresses that I have never lived at and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 15 U.S.C. 1681c ( a ) ( 5 ), outdated or inaccurate addresses must be deleted. The continued reporting of false information violates my rights and has significantly harmed my credit score.

Since my previous disputes have been ignored, I have escalated this matter to the CFPB. If you do not remove these inaccurate items within 30 days, I will explore further legal action for damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

Please provide me with written confirmation that these items have been removed or corrected. I expect a full response within the legally mandated XXXX period. 

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 non-monetary relief
Consumer complaint received 2025-03-18 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I made a return, when I made the return I sent proof of the return, tracking number and receipt, after a while they charged me for the product again, I opened a case or made a complaint And I formally opened a case. But I never found out because all I know is that they sent me a paper in XXXX, which I didn't understand since I only speak XXXX and use a translator to write this message. After they charged me again, I contacted PayPal and PayPal Credit didn't help me. They said they would call you and that the process would take a long time. They never called and I only received an email saying The case was closed in favor of the seller. I tried to request help through the PayPal app and website, but I was never able to because the options were apparently missing or hidden. The chat never helped and there was no email and the times I tried on the phone they didn't help me either. I no longer have the documents I sent as received and the tracking number. What happened was with 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 2025-03-18 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: NC

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Personal information being reported incorrectly as well as different accounts, inquires and missing information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
I am submitting a formal complaint regarding inaccuracies on my credit report. However, these account is still appearing on my credit report. 


Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX ) Account Number : XXXX Date Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$76000.00} Company or Organization : XXXX Account Number : XXXX Date Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$720.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$23000.00}

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 2025-03-18 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: NJ

Complaint narrative:
I am submitting a formal complaint regarding inaccuracies on my credit report. However, these account is still appearing on my credit report. 


Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX ) Account Number : XXXX Date Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$76000.00} Company or Organization : XXXX Account Number : XXXX Date Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$720.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$23000.00}

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 2025-03-18 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:
XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX ON XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX ON XXXX are inaccurate and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: AR

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
this company has been having other people harassing me on their behalf. I sent them a cease and desist! they are calling after XXXX and before XXXX twice or more a week! 

The XXXX5 U.S.C. code 1692 ( c ) ( cc ) states the XXXX : A consumer can cease communication with a debt collector in writing. 
A debt collector must assume a convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location. 
Without the prior consent of the consumer, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX XXXXXXXX {$400.00} Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$24000.00} Date Open : 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 2025-03-18 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-18 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. After reviewing my report, I have identified accounts that I believe contain errors. I request an immediate investigation and correction of the following accounts : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies must ensure the accuracy of consumer reports. If these accounts can not be verified as XXXX % accurate, I request their immediate removal from my credit report in compliance with FCRA Section 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy.

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 2025-03-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: CA

Complaint narrative:
I was mislead by the company and was advised by an employee of Beyond Finance to stop paying my creditors and to give my money to them. 
I am now liable for multiple lawsuits and judgements, wage garnishments, liens on my property, and/or bank levees. I have given Beyond Finance {$10000.00} form which beyond only paid out {$5100.00} to my creditors. They are only entitled to XXXX % of the {$5100.00}, which means I am owed back {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: DC

Complaint narrative:
Zelle did not have consumer protection disclosure information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally file a complaint against Capital One regarding their failure to properly investigate and resolve fraudulent transactions on my account. 

On XX/XX/year>, I contacted XXXX XXXX to request the permanent cancellation of my account after suspecting fraudulent activity. Someone had used my stored payment information to make multiple unauthorized transactions totaling over {$14000.00} through this merchant. On XX/XX/year>, XXXX XXXX responded by requesting my card information and informed me they would place my account on a temporary suspension. I reiterated my request for permanent account closure on XX/XX/year>, stating that I believed the platform was fraudulent. 

Despite my efforts, both the merchant and Capital One failed to flag or stop the suspicious activity. Following the lack of resolution with the merchant, I escalated the matter to XXXX  XXXX XXXX and Capital One. XXXX  XXXX XXXX conducted a thorough investigation and refunded the fraudulent transactions. However, Capital One has repeatedly denied my dispute, siding with the merchant despite clear evidence that these transactions were unauthorized. 

Capital One has denied my claims twice, leaving my account overdrawn by more than {$1000.00}. This ongoing negative balance is consuming the limited income I have deposited into the account. The merchant merely provided proof that my stored payment information was used under my account, but this does not validate the legitimacy of these unauthorized transactions. 

To make matters worse, I am now receiving collection notices from a debt collector attempting to recover funds that XXXX  XXXX XXXX rightfully charged back from Trustly, the third-party payment processor used by XXXX XXXX XXXX 

It has been months since I first reported this matter to Capital One, and their continued lack of diligence and failure to protect my account is unacceptable. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) review my complaint and hold Capital One accountable for failing to investigate this matter appropriately and for unjustly denying my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
This company has shown up as a collection I don't know the company nor have gotten any communication from them about a debt owed. This company is not he original debtor and this was taken off my report it was under a different company now its back under a total different company and it looks to be foreign country in XXXX to collect from me. This has taken many points on credit. They are illegally try to collect this debt from me and ruin my credit profile.

Company response to consumer: Closed with non-monetary relief