vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
I went into XXXX XXXX on XXXX XXXX for a coolant issue that left my car undriveable. The repairs come with a warranty of at least 1 year. The repairs failed a month or two later, and the previous owner ( owned independently ) parted ways with XXXX XXXX, to start his own company. I was forced to pay again for the same repair. I was unable to get support from XXXX XXXX or the new auto place, as the blame was getting past back and forth. 

I filed a dispute and was issued a credit. I returned the necessary paperwork, but the charge was reapplied to my account on XXXX XXXX. I received no explanation as to why the dispute was not upheld since what I paid for was not what I received. 

I have followed up several times with Capital One, and nothing has been resolved. 

I'm refusing to pay that particular charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal dispute to address inaccuracies in my credit report and to reference the ongoing Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for improper reporting and failure to conduct adequate investigations of disputes. The following issues pertain to personal information that is being reported incorrectly on my account and must be removed immediately in accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ( B ) ( Fair Credit Reporting Act, " FCRA '' ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. Additionally, 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ( B ) emphasizes the importance of ensuring consumer reports are accurate and reflective of true consumer data, raising further concerns about how my consumer report can be deemed accurate under these circumstances : Incorrect Names : 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 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 Spouse or Co-Applicant : Remove the name XXXX, as this individual has never been my spouse or co-applicant.

Incorrect Employment : Remove R Polite Services, as this is not the name of my business. 

These inaccuracies constitute 14 violations under the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 616, each violation is punishable by civil liability of up to {$1000.00} per infraction. I am seeking damages for these violations, which total {$14000.00}. If these inaccuracies are not resolved promptly, I will pursue legal measures for the continued inaccuracy and harm caused by Experians failure to maintain accurate reporting. 

I am requesting that Experian immediately remove all incorrect personal information listed above from my credit report and provide confirmation of these corrections. Thank you for your attention to this matter.

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 2025-01-23 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: AR

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 response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provide consumes with the necessary proof of investigation. These are the account in question of Dispute : 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion SmartMove has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. This aligns with ongoing concerns about the company 's practices, such as failing to forward consumer-provided evidence to furnishers, relying on insufficient responses, and neglecting to provide adequate dispute outcomes. These systemic shortcomings mirror my experience, where TransUnion SmartMove has not corrected or removed disputed items despite the evidence I have submitted. This inaction has caused significant harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion SmartMove 's failure to comply with federal law violates my rights as a consumer.

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 2025-01-23 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
IMMEDIATE ACTION REQUIRED : EXTREME VIOLATIONS OF FCRA AND TILA - DEMAND FOR IMMEDIATE DELETION AND LEGAL ACTION 15 USC 1681 et seq.

As congress does not back the reporting of my personal/non public information.

This is NOT a request. This is a DEMAND for immediate action regarding egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), as codified in 15 USC 1681 et seq. My previous communication regarding the unlawful reporting of my personal, non-public information has been ignored, demonstrating a blatant disregard for federal law. The allotted time for dispute resolution has long since expired, and I have yet to receive ANY of the following : Proof of purported " Congressional findings '' justifying the reporting of my information. This is a critical point. I have received no evidence whatsoever to support this claim, which I believe to be fabricated. 
Confirmation that creditors were properly informed of my dispute. This failure constitutes a further violation of the FCRA, designed to protect consumers from inaccurate and disputed information. 
Let me be unequivocally clear : the unauthorized use of my information by creditors, third-party debt collectors, XXXX, XXXX, and XXXX constitutes a clear violation of my rights. The use of my data as a separate transaction between second and third-party entities for profit is not only unacceptable but constitutes identity theft and, if this practice continues, will provide grounds for accusations of securities fraud. This practice directly contravenes the protections afforded by 15 USC 1681 et seq. and related statutes.

As a federally protected consumer under the FCRA, I am now formally opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I, the consumer, may have purportedly given you, pursuant to 15 USC 6802. This is a DEMAND for IMMEDIATE REMOVAL of my information.

Furthermore, I remind you that 16 CFR 433.3 applies in full, given that any relevant contract was written after 1969. This, coupled with the provisions of TILA and established contract law, solidifies the illegality of your actions. As previously stated, 16 CFR 433.3 applies due to TILA and contract laws on contracts, especially if the contract is written after 1969.

Your failure to provide the requested proof and properly inform creditors within the legally mandated timeframe constitutes a clear violation of my rights under the FCRA. This negligence will not be tolerated. I expect IMMEDIATE action to rectify this situation. Failure to comply will leave me no choice but to pursue all available legal remedies to the fullest extent of the law, including but not limited to : Pursuing legal action for damages related to these violations. 
All final documents have been attached presently and previously.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I am filing a complaint against TransUnion for failing to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. The list below is the account Im referring to 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 non-monetary relief
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I have sent several letters and emails trying to get information removed from my report. I have also called and paid professionals also try to have information corrected on my report. I have already submitted identity theft reports. I have opted out of prescreens and all other inquiries. I have also added a fraud alert and freeze to my account. Despite doing all of this, equifax is still allowing companies to submit inquiries on my account. I'm still receiving promotions and marketing from companies like XXXX. XXXX has submitted multiple inquiries as well. Their excuse was that I'm doing business with these companies so they have the right to access my report whenever they want. No one has permission to access my account or report. Equifax is using my report and information for their own personal financial gain and to my detriment. FCRA states that all information must be accurate and approved by the consumer. They also sent me a check for {$8.00} for a databreach lawsuit that I didn't apply for. I told them that I would sue them for leaking my information and refusing to fix it. I didn't request to be sent a check for {$8.00} when they've caused way more detriment than what {$8.00} can fix. My information and life was greatly impacted by the breach. I could no longer access credit to operate my business due to their inaccurate reporting. I have also revoked their Power of Attorney. You can see the information below for the inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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.
State: GA

Complaint narrative:
XXXX XXXX account closed and is at {$0.00} balance and hasnt been removed. 

XXXX is closed and at {$0.00} balanced but not removed. 

XXXX- account closed and at {$0.00} balance. 

XXXX XXXX- {$0.00} balance and closed but not removed. 

XXXX XXXX- {$0.00} balance but not removed XXXX XXXX {$0.00} balance and not removed XXXX XXXX {$0.00} balance but not 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 2025-01-23 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: PA

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am formally requesting their removal within 15 days. Relevant documents are enclosed for your review and consideration.

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 2025-01-23 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: Affirm Holdings, Inc
State: LA

Complaint narrative:
Spoke with a customer service representative for Affirm to pay off account with agreement that it would be cleared and removed from reporting to credit bureaus. Customer service agent confirmed it would be deleted and no longer reported as of paid off amount completed XX/XX/year>. It has remained on my report and company refuses to follow through with agreement per the recorded conversation. Remove Affirm immediately for violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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 2025-01-23 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: NC

Complaint narrative:
my information was involved in a data breach and incorrect information had been added to my account

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 2025-01-23 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: NC

Complaint narrative:
my information was involved in a data breach and incorrect information had been added to my account

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 2025-01-23 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: IN

Complaint narrative:
I've called and tried to submit disputes on my credit reporting for them to delete hard inquiries that I did not request credit cards. And they quickly responded. We can't delete hard inquiries. No investigation or nothing. I did not apply for those credit cards so they should be deleted off my hard inquiries per federal law. I've been dealing with this for a few months now. They should have been deleted a long time ago per federal law.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-23 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX OF XXXX # XXXX - DATE OPENED XX/XX/2017 Account Name : XXXX XXXX XXXX OF XXXX # XXXX - DATE OPENED XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: OH

Complaint narrative:
After carefully reviewing my credit report I noticed a " XXXX '' account that does not belong to me. I am a victim of identity theft. I have never established any business, nor communicated with XXXX regarding a mobile line.

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