vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
I am writing to formally dispute the classification of a recent check deposited into my account as fraudulent. The check in question, issued by the XXXX Department XXXX XXXX Treasury, was deposited on XX/XX/year> into my account ending in XXXX. 

Upon notification of the alleged fraud, I proactively contacted the U.S. Department of the Treasury and confirmed the checks authenticity. 

I respectfully request that Capital One conduct an immediate and thorough review of this matter. The misclassification of this legitimate check has caused undue stress and potential financial complications. I urge you to rectify this error promptly to prevent further inconvenience. 

This situation may fall under the purview of the Electronic Fund Transfer Act ( EFTA ), which mandates that financial institutions conduct good faith investigations into reported errors and resolve them in a timely manner. Failure to comply with these obligations can result in statutory damages and other penalties. 

Please acknowledge receipt of this letter and inform me of the steps being taken to resolve this issue. I expect a response within XXXX buisness days. 


Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
Used car loan for XXXXXXXX XXXX XXXX leased through XXXX XXXX XXXX XXXX, was paid off through gap insurance around XXXX XXXX but it is still reporting on credit bureaus that I owe {$6600.00}. I spoke with XXXX and they said the loan is closed but it is not reflecting on my credit report.

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 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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, the XXXX 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.

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.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: WA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXr WA XXXX LOANCARE XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( RE : Account # ( XXXX ) To Whom It May Concern, This letter is regarding the above-mentioned account which you are reporting late payment ( s ) 150 days past due as of XX/XX/XXXX on XX/XX/XXXX. This is a formal notice that your claim is disputed. 
I am requesting that you provide me with a copy of any viable evidence showing the account is being reported accurately. I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. I am also requesting validation, made pursuant to the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence showing that my payment ( s ) were late on the above-mentioned dates. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for failing to correct inaccurate negative information, is a violation of the FCRA ; therefore if you can not validate the late payment ( s ), you must request that all credit reporting agencies delete the late payment entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Attached is copy of my credit report. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr WA XXXX Last 4 of SSN : XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc 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 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-12 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

Inaccurate Address : 1 XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Balance Owed : {$1800.00}

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 2025-04-12 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$37000.00} XXXX XXXXXXXX Balance Owed : {$170.00} XXXX XXXXXXXX Balance Owed : {$470.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$37000.00} XXXX XXXXXXXX Balance Owed : {$170.00} XXXX XXXXXXXX Balance Owed : {$470.00}

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 2025-04-12 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-12 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX List of Unauthorized Inquiries XXXX XXXX XXXX 2024XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
Used car loan for XXXXXXXX XXXX XXXX leased through XXXX XXXX XXXX XXXX, was paid off through gap insurance around XXXX XXXX but it is still reporting on credit bureaus that I owe {$6600.00}. I spoke with XXXX and they said the loan is closed but it is not reflecting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
I am sending to formally dispute inaccurate late payment entries on my credit report and to request their correction in accordance with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). I am specifically exercising my rights under the following legal provisions : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports 15 U.S. Code 1661b Correction of Billing Errors ( TILA ) Upon careful review of my credit report, I have identified certain late payment entries that I believe to be incorrect. These include : XXXX Account ending in XXXX ; Balance Owed : {$0.00} XXXX XXXXXXXX Account ending in XXXX ; Balance Owed : {$350.00} I believe these entries may be the result of misreporting, administrative errors, or circumstances beyond my control. As outlined under 15 U.S. Code 1661b, creditors and credit reporting agencies are obligated to investigate and correct such billing inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
I am sending to formally dispute inaccurate late payment entries on my credit report and to request their correction in accordance with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). I am specifically exercising my rights under the following legal provisions : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports 15 U.S. Code 1661b Correction of Billing Errors ( TILA ) Upon careful review of my credit report, I have identified certain late payment entries that I believe to be incorrect. These include : XXXX Account ending in XXXX ; Balance Owed : {$0.00} XXXX XXXXXXXX Account ending in XXXX ; Balance Owed : {$350.00} I believe these entries may be the result of misreporting, administrative errors, or circumstances beyond my control. As outlined under 15 U.S. Code 1661b, creditors and credit reporting agencies are obligated to investigate and correct such billing inaccuracies.

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 2025-04-12 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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/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 non-monetary relief
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX  XXXX XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX  XXXX Balance Owed : {$7000.00} XXXX XXXX  XXXX Balance Owed : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

Inaccurate Address : 1 XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Balance Owed : {$1800.00}

Company response to consumer: Closed with explanation