vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: DC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected or removed disputed items ( to include unknown addresses disputed by phone ) despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer. 
As outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if the information can not be verified or if the creditor fails to respond within the required time frame, the disputed information must be removed or corrected. The incomplete investigation into my dispute has resulted in inaccurate information remaining on my credit report, which is adversely affecting my credit score and financial standing. 
XXXX-Acct # XXXX XXXX XXXX - Acct # 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 2025-01-24 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: DC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected or removed disputed items ( to include unknown addresses disputed by phone ) despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer. 
As outlined in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ), if the information can not be verified or if the creditor fails to respond within the required time frame, the disputed information must be removed or corrected. The incomplete investigation into my dispute has resulted in inaccurate information remaining on my credit report, which is adversely affecting my credit score and financial standing. 
JPMCB-Acct # XXXX XXXX XXXX - Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected right consumer rights to privacy and confidentiality under XXXX XXXX. XXXX XXXX XXXX and Ollo/Ally have XXXX inaccurate accounts that are both reported twice on the credit report creating significant damage. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per XXXX XXXX, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

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 2025-01-24 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: MO

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with Federal Law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate : 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 2025-01-24 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate. ( XXXX XXXX and XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
CFPB I need your help. XXXX XXXX and Trans Union is now sending me notification asking me to send in my license to identify myself. Why because Ive sent multiple complaints and they failed to respond according to the law so now they want me to verify who I am I am who I am and Im not no fakeThis makes no sense. I will provide a copy of my license attached to this complaint. This company is nothing but a monopoly and a corruption towards US American citizens and needs to be put in place. They need to respond to my complaints as noted per the CFPB.

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 2025-01-24 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:
CFPB I need your help. XXXX Equifax and XXXX XXXX is now sending me notification asking me to send in my license to identify myself. Why because Ive sent multiple complaints and they failed to respond according to the law so now they want me to verify who I am I am who I am and Im not no fakeThis makes no sense. I will provide a copy of my license attached to this complaint. This company is nothing but a monopoly and a corruption towards XXXX American citizens and needs to be put in place. They need to respond to my complaints as noted per the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ). This account have resulted in a fraudulent chargeoff appearing on my consumer XXXX credit report. I attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, chargeoff, as reported. The aforementioned account, chargeoff appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries result from 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 2025-01-24 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: CA

Complaint narrative:
Im reporting that Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
These are the accounts that I have marked as in accurate XXXX Account XXXX and XXXXXXXX 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 2025-01-24 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: SC

Complaint narrative:
I reached out to all 3 reporting bureaus about accounts settled and agreed to delete from trade line and I was either given zero response or a denial. Even when asking why some credit bureaus are reporting things the others arent I was given zero answer.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Formal Complaint Against Capital One Auto Finance for Inaccurate Credit Reporting and Mishandling of Account Complaint Summary : I am filing a formal complaint against Capital One Auto Finance regarding their inaccurate reporting of my auto loan account to credit reporting agencies, mishandling of my account, and failure to provide effective customer support despite adherence to an approved payment plan and extension agreement. Their actions have negatively impacted my credit report and financial standing. 

Details of the Issue : Account Overview : Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : Capital One approved an extension of XXXX payment of {$860.00}, deferring it to the end of the loan term. 
Capital One indicated that delinquency reporting would continue until the account was brought current. 
Hardship Payment Plan ( XX/XX/XXXX ) : Entered a hardship payment plan due to financial difficulties caused by natural disasters. 
Payment plan terms included XXXX payments of {$860.00} each, due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Per the agreement, completing the payments would make the account current as of XX/XX/XXXX. 
Payments Made : XX/XX/XXXX : {$860.00} auto-drafted successfully. 
XX/XX/XXXX : {$860.00} auto-drafted successfully. 

Discrepancy and XXXX XXXX : Despite making timely payments, I received a notification from XXXX on XX/XX/XXXX, that my account is reported as 30 days past due. 

This is incorrect, as I have complied with the payment plan and extension terms. 

Unsuccessful Attempts to Resolve the Issue : I contacted Capital One customer service multiple times to address this issue. Unfortunately, my efforts were unsuccessful. 
Customer service representatives deflected responsibility, claiming that the error was on the part of the credit bureaus. This response was unacceptable, as Capital One is responsible for ensuring accurate reporting of account status to credit bureaus. 

Evidence of Compliance : Attached documents include : Extension confirmation ( dated XX/XX/XXXX ). 
Payment plan confirmation ( XX/XX/XXXX ). 
Statements showing payments on XX/XX/XXXX and XX/XX/XXXX. 
Notification from XXXX reflecting the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NY

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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> 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 ( eXb ).

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. 16815-2 ( AN1 ) 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 2025-01-24 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: CA

Complaint narrative:
In my profile there were some hard inquiries that are not mine.

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 2025-01-24 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: The CBE Group, Inc.
State: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes. regarding inaccuracies in my credit report despite my submission. Collection companies, on my credit report have fraudulently submitted inaccuracies to my credit report. I have requested They provide the purchase agreements to show full ownership of all collection accounts. along with all other documents proving all collection accounts belong to me. This practice violates the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 reporting 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