vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request for Removal of Dismissed Bankruptcies from Credit Report Hello, I am reaching out regarding two bankruptcies that were filed but later dismissed, which are still appearing on my credit report. Since they were never activated, they serve no purpose remaining on my report. Unfortunately, their presence has severely impacted my ability to obtain credit, including rental approvals, a mortgage loan, and an auto loan.

These dismissals are preventing me from rebuilding my credit, as I am consistently denied credit opportunities due to their appearance. I would like to request their removal from my credit report so that I can move forward in re-establishing my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Request for Removal of Dismissed Bankruptcies from Credit Report Hello, I am reaching out regarding two bankruptcies that were filed but later dismissed, which are still appearing on my credit report. Since they were never activated, they serve no purpose remaining on my report. Unfortunately, their presence has severely impacted my ability to obtain credit, including rental approvals, a mortgage loan, and an auto loan.

These dismissals are preventing me from rebuilding my credit, as I am consistently denied credit opportunities due to their appearance. I would like to request their removal from my credit report so that I can move forward in re-establishing my financial standing.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. XXXX - XXXX # XXXX - {$710.00} - the account does not belong to me. 
XXXX. XXXX XXXX XXXX - XXXX # XXXX - {$1100.00} - the account does not belong to me. 

INCORRECT CREDIT INQUIRIESI am disputing the following inquiries which I did not authorizeXXXX. 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

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 2025-02-26 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request the immediate removal of fraudulent information from my credit file. This inaccurate data, which should have already been deleted as it stems from fraud, continues to persist. Under FCRA Section 605, you are legally required to eliminate any erroneous records. I have previously submitted the necessary supporting documents, which I am resending for your reference. My attorney has been notified and is prepared to take legal action if this matter is not resolved promptly. 
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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I request the immediate removal of fraudulent information from my credit file. This inaccurate data, which should have already been deleted as it stems from fraud, continues to persist. Under FCRA Section 605, you are legally required to eliminate any erroneous records. I have previously submitted the necessary supporting documents, which I am resending for your reference. My attorney has been notified and is prepared to take legal action if this matter is not resolved promptly. 
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/year>

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 2025-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I was scammed online by a company named XXXX. I contacted that company about being sent the wrong items and they ignored my multiple emails. I then opened a dispute as I was not getting help from the company XXXX. I opened a dispute with Capital One and gave them all the emails and description of what was supposed to be received. I provided screenshots and filled out all the forms and provided whatnots policy. They then told me they could not assist me and the company refuses to help me because if you open a dispute against them they will not offer a return or refund. I made the purchases on XX/XX/XXXX for {$3200.00}. I contacted XXXX on XX/XX/XXXX and never received a response so I then opened a dispute with capital one on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), it is illegal for a credit reporting agency to reinsert debt information on your credit report that was previously disputed and removed. Transunion failed to notify me before reinserting debt. XXXX XXXX XXXX closed on XX/XX/year>.

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 2025-02-26 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: NY

Complaint narrative:
I recently reviewed my credit report and I notice fraudulent accounts. Please remove these fraudulent accounts, they are hurting my ability to obtain credit

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I woke up to find an unauthorized inquiry on my credit report, and I am beyond frustrated. I always monitor my report closely, yet this appeared suddenly with no reason. I even tried refreshing my browser, thinking it was an error, but nothing changed. This issue must be fixed immediately. I expect my documents to be carefully reviewed so I can stop stressing over 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 non-monetary relief
Consumer complaint received 2025-02-26 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Information was received on my email from scammer impersonating XXXX. A buyer advised me they made a purchase from me and for me to verify my credit card on file so the order can go through. The Email instructed me to click a link to verify my credit card for credit card verification. They removed {$310.00} unauthorized from my credit card associated with my checking account. I submitted all emails from scammers, text messages used to verify money withdrawn. Navy Federal is refusing to refund money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-02-26 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: WI

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XXXX - XXXXXXXX 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 Bankruptcy - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 theft and fraud.

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 2025-02-26 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: NY

Complaint narrative:
This is my official communication regarding the unauthorized and completely inaccurate entries on my credit report. These items were added without my consent, knowledge, or authorization, which is unacceptable. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, along with a list of disputed items. I demand the immediate and permanent removal of the following erroneous entries from my report, as they are completely unjustified : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Auto and personal loan are both listed as XXXX XXXX on all platforms. Called XXXX  XXXX and the debt was sold to a third party agency ( Best Service Company ) whom I have no contract with. So the debt it listed incorrectly. I was also told the wrong amounts then what are listed by the Best Service Company over the phone.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : CREDIT COLLECTION SERV XXXX XXXX XXXX XXXX XXXX  CREDIT COLLECTION SERV XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX a refund was applied to my credit card, giving me a negative balance. On XX/XX/XXXX I called the bank and was told the only way I could get this balance was via a credit refund check. The negative balance was taken off, and check number XXXX for {$1300.00} was allegedly sent to me. These transactions can be seen on the attached statement, dated XX/XX/XXXX. 
On XX/XX/XXXX when I had not received the check, I called to report it never came. They assured me the check had gone out, but cancelled it and advised they would send a new one - allegedly, check number XXXX. 
On XXXX I called for an update, but could get no written status of my check or any history of the issue. I confirmed my address with them, and was told the check was coming. 
On XXXX, same. 
On XX/XX/XXXX, same. 
On XX/XX/XXXX after still not receiving my check, I went to a branch of the bank to speak to someone in person. I was denied any customer service, and merely given a number to call. This conversation was another runaround, wherein I was assured yet again my check would come and that a letter notifying me of the issue would be emailed to me. The letter sent was a copy of my current card statement, with no mention of my check anywhere to be found. It is attached here. 
On XX/XX/XXXX I am submitting this complaint, being still out {$1300.00} from CapitalOne.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and their affiliated bank Comenity regarding deceptive practices related to a credit card I obtained approximately five years ago. I believe I was misled by the terms of the credit card agreement, specifically regarding deferred interest. 

When I signed up for the XXXX credit card, I was not clearly informed that the card carried a deferred interest feature. The representative who assisted me did not adequately explain this crucial detail. Instead, they helped me establish a payment plan, emphasizing that with a larger upfront payment and automatic payments, the balance would be paid off within the promotional period My son 's email address was mistakenly used on the account. The bank sent emails with subject lines containing phrases like " promotional offer, '' which, as is common with many companies, were disregarded as marketing solicitations. I never received clear, direct communication explaining the deferred interest terms. 

I diligently made payments, including a significant upfront payment, and consistently used the automatic payment feature. By XX/XX/XXXX, I had paid approximately 90 % of the original {$9000.00} purchase, leaving a balance of roughly {$1000.00}. Unfortunately, the promotional period ended, and I was subsequently charged approximately {$11000.00} in deferred interest. 

On XX/XX/XXXX, I paid the remaining {$1000.00} balance, as well as an additional {$420.00} in accrued interest. I am now requesting that the CFPB investigate this matter and assist me in obtaining a waiver for all the interest charges. I believe the bank 's failure to clearly disclose the deferred interest terms at the time of signing, coupled with the misleading information provided by the representative, constitutes deceptive practice. I was led to believe the balance would be paid off within the promotional period, and I acted in good faith to meet that goal. 

I have attached copies of the credit card agreement. I would appreciate your assistance in resolving this issue and preventing similar situations from happening to other consumers. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
NCB management I disputed XX/XX/XXXX No proof sent Disputed XX/XX/XXXX no proof sent Disputed XX/XX/XXXX no proof sent XXXX deleted equivalent did not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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