vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Back in XX/XX/year>, due to circumstances beyond my control, I elected to file bankruptcy. Payments were being made to the Trustee but he never approved out bankruptcy due to our very shady attorneys. So the entire time I was paying into the bankruptcy, nothing was being paid out. So we stopped paying into the bankruptcy in order to get it dismissed and our money back which we did just last week. Capitol One auto finance is who we have both of our car loans from and was never paid during the 6 months of bankruptcy. Since the bankruptcy dismissal, we have been reaching out to try to pay Capitol One and get our car payments back on track. Our online account is showing as restricted and they refuse to change it. We have tried on several occasions to call in the payment but they refused. Now they will not take our calls and are being sent to an automated system which leads to call ending before we get resolve. We are in fear of losing both of our vehicles needed for work because of their lack of cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the reinsertion of the following item ( s ) into my credit report : XXXX  XXXX Original Removal Date ( XXXX XXXX ) Under Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is required to notify the consumer within five business days if any previously deleted information is reinserted into their credit report. XXXX XXXX has stated this account is not being reported to any credit agencies i will attach letter stating the facts. However I did not receive any such notification regarding the reinsertion of this information from Experian. Furthermore, the reinsertion of this account ( s ) may violate the provisions of the FCRA, as the credit bureau must verify and certify the accuracy of the information before it is reintroduced into a consumers credit report. I request that you Immediately investigate and provide the required certification of accuracy for this reinsertion, Remove the reintegrated item ( s ) if certification can not be provided, Provide a detailed explanation of your findings in writing, along with any supporting documentation. Please note that this letter is a formal dispute under the FCRA, and I expect your response within the legally required timeframe of 30 days. Failure to comply with this request may result in further action. I want to acknowledge Experian have stated in my previous dispute whereas this account ( XXXX  XXXX ) was deleted it states We have researched the credit account and the item has been deleted from the credit file. To better assist me with understanding the results of my dispute please review information below if item states deleted, we have removed it from your credit report and taken steps so it does not reappear what steps have youll taken? Because it has reappeared, what methods are Experian using? To my knowledge this explains accuracy to the current lawsuit with the CFPB due to Experian ignoring consumer documents and evidence submitted with disputes, allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers about the results of its investigations, and used flawed software code which led to inaccurate consumer credit scores. I have attached a copy of page 3 of 14 of my credit report from Experian with the disputed item ( s ), along with a copy of my identification and copy of social security for verification purposes. I am requesting that this account be deleted and does not reappear also an updated credit report be sent to me immediately. I hope you take this matter seriously thank you for your attention to this matter. 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 2025-02-20 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: IL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My credit card was fraudulent used and when I tried to deal with the company about they disregarded my complaints

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a XXXX trafficking victim I am requesting to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have contacted Experian, XXXX, and XXXX who have not accepted my documents as proof of XXXX trafficking. I am required to provide documentation such as :. I XXXX, XXXX, or Tribal governmental entity that confirms a consumer is a victim of trafficking. 
ii. Non-governmental organizations ( XXXX ) authorized by a XXXX, XXXX, or Tribal governmental entity may also make such a determination.

b. What must the Victim Determination include?

i. Must confirm that you are a victim of trafficking as determined by court documents. Without court documents, the Victim Determination can also be a signed statement by you, attesting that you are a victim of trafficking, so long as the statement is signed by a Federal, State, or Tribal governmental entity, or a XXXX authorized by a Federal, State, or Tribal governmental entity. 

I have provided documentation from the XXXX of the XXXX of California confirming my participation in the " XXXX at XXXX XXXX '' who protects victims of XXXX trafficking from their abusers by providing an address so they can not be found. This is documentation provided to me to show all agencies.

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 2025-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
I am writing to formally document the events that have taken place regarding a debt collection matter involving XXXX XXXX, who claims to represent Account XXXX XXXX. 

Summary of Events : On XX/XX/XXXX, a woman named XXXX XXXX contacted my employer, asking for me. 
On the same date, she also called my ex-husband, inquiring about my whereabouts, whether we were still married, and if we still owned a condominium we previously shared. 
I later returned her call and identified myself. During our conversation, she stated that she was submitting a wage garnishment due to non-payment of a personal loan. 
In an effort to prevent wage garnishment, I agreed to pay {$910.00} on XX/XX/XXXX, and provided my debit card information. 
After the call, I became uneasy and researched Texas wage garnishment laws. I learned that Texas does not allow wage garnishment for personal loans and that a court judgment would be required before any garnishment could occur. 


On XX/XX/XXXX, I called XXXX XXXX again. She did not answer, so I left a voicemail instructing her to cease all contact with my employer, as personal calls are not allowed at my workplace. I also requested an itemized statement of the debt. 
On XX/XX/XXXX, she returned my call and left a voicemail asking me to call her back. 
After work, I returned her call. I informed her that I had filed a complaint with the Texas Attorney Generals office regarding her collection practices.

She responded that she did not care about the Texas Attorney Generals office and dismissed my concerns.

When I informed her that wage garnishment is not legal in Texas for personal loans, she insisted that it was and claimed that my human resources department was unaware of the law. She falsely stated that she did not need a judgment or court order to garnish my wages and could submit the request directly to my employer. 
During the call, she also insulted me, calling me a thief and accusing me of trying to find ways to avoid paying my debt. 

Verification of Debt Ownership : On XX/XX/XXXX, I contacted Nationwide Capital Structured Settlement, the company that allegedly owns my debt. 
I spoke with a male representative who confirmed that they own my debt but stated that they were not familiar with Account XXXX XXXX. 
I requested an itemized statement and original loan documentation, but he claimed that the company had emailed me something in XX/XX/XXXX. 
After reviewing my emails, I found no itemized statement or original documentationonly general correspondence.

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 2025-02-20 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: OK

Complaint narrative:
This morning, I noticed some incorrect accounts appearing on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time, I found unexpected discrepancies. I even refreshed my browser to see if it was a glitch, but the inaccurate accounts remained. Because of this, I am requesting a thorough review of the documents I have submitted so that I no longer have to worry about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CA

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

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

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

and according to 15 USC 1681s-2 th
ey are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: CA

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

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

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

and according to 15 USC 1681s-2 th
ey are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-02-20 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2025-02-21 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: DE

Complaint narrative:
I request the immediate removal and blocking of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unfamiliar with their source. Per USC 1681g, I formally ask for their removal within XXXX days. Attached are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: OK

Complaint narrative:
I was surprised to see incorrect accounts on my credit report this morning, and I don't understand why they are there. I routinely check my credit report, but this time, there were errors that hadnt appeared before. I tried refreshing my browser, thinking it might be a temporary issue, but the inaccurate accounts remained. Because of this, I am requesting a careful review of the documents I submitted to ensure I never have to deal with this concern again.

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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: KS

Complaint narrative:
XXXX has filed a law suit against me for a debt I do not owe to them nor have I ever signed a contract with them. They are attempting to collect a debt in which they purchased and I never agreed to sell my debt to them. The original creditor has already been paid by them for the debt, therefore I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
in 1978 I had a CD deposited into my name from Provident bank in XXXX XXXX. The certificate was lost then recently found. The bank says they have no record and are only obligated to keep records for XXXX years. They told me to check with FDIC and also the state of California and neither have any record. This account was never closed by myself or anyone else and I don't think the bank can arbitrarily close it. I can provide a copy of the CD and any other info required. I have Attached is a copy of the CD. If you could give me some guidance or assistance, I would appreciate it Thank you 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 2025-02-21 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: DE

Complaint narrative:
I request the immediate removal and blocking of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unfamiliar with their source. Per USC 1681g, I formally ask for their removal within 15 days. Attached are supporting 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 non-monetary relief
Consumer complaint received 2025-02-20 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: NJ

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 : Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 theftandfraud.

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