vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: KY

Complaint narrative:
I had an account with XXXX XXXX. they offered a credit builder loan in which they never loaned you any money. You just paid a certain amount of money for a period of time and then at the end of it you would get your money back plus a little interest and it would report to the Credit Reporting agencies like it was a loan.XXXX started making payments on this so-called credit builder loan product and made all payments until XX/XX/year> at that time showing no improvement to my credit score. I paid the remainder off and within a couple days they deposited my money back into a credit reserve account that I still left in to this day have XXXX cents remaining.. it is difficult to tell you all the inaccuracies that they are reporting to all three credit bureaus, but some of them show that my payment in XXXX was good but then somehow in XXXX I was 60 days late then on another report it shows that it was charged off in XXXX and XXXX and then on another report it just shows all payments were missed and I think on all three credit reports it states that the account was paid off charged off and that I still owe a balance of XXXX. Theres so much incorrect stuff. I think they all still show that I owe a balance of XXXX or XXXX. Im gon na upload a bunch of documents, but I think the language is different. Some of them say paid written off some say paid charged off say closed charged off and then sometimes itll change from month to month. Bottom line is they never loaned me a XXXX  and I made the payments on time every one of them and when I didnt see that my credit was getting better. I just paid it off and within 48 or 72 hours deposited the money into that credit reserve account. I still have access to all of my XXXX XXXX account.. this is greatly hindering me from obtaining credit and its crazy because nobody wants to talk on the phone all of these institutions and the credit bureaus have it set up to where you cant get anything done. They only work on negative information on people never anything positive or in my case anyway.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Late Payment Reporting Capital One # XXXX Dear XXXX, This letter serves as a formal dispute regarding the late payment reported on Capital One which you recorded as late in Your response to my previous dispute indicated that the information was { accurate/verified }, yet my initial request did not ask for validation or accuracy confirmation. 

According to 15 U.S. Code 1666b - Timing of Payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that each periodic statement, including the required information under 15 U.S. Code 1637 ( b ), was mailed or delivered to me at least 21 days before the due date. 

Furthermore, under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I requested documentation that you are legally required to possess in order to report my payment as late. 

As per 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy, a reinvestigation is required when a consumer disputes the accuracy of reported information. If the furnisher of the information can not provide sufficient evidence to support the reported late payment, the information must be deleted from my credit file. The legal precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX at XXXX ) clarifies that if a furnisher can not verify the disputed information with sufficient evidence, it must be reported as can not be verified and removed. 

It has been over 30 days, and XXXX has failed to provide the required evidence demonstrating that the reported late payment is accurate. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the late payment entry be deleted from my credit report. 

Requested Action : Please delete the late payment entry associated with : Creditor : Capital One Account Number : XXXX Reported Late Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX If you are unable to verify this information in accordance with the law, I request immediate removal of the inaccurate entry. Please provide a response within 30 days as required under the FCRA. 

Thank you for your prompt attention to this matter. I expect your cooperation in ensuring my credit report reflects accurate and verifiable information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
I am submitting this complaint regarding inaccurate and potentially misleading reporting of an account from XXXXXXXX XXXX XXXXXXXX XXXX on my TransUnion credit report. The account details are as follows : Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX ( XXXX ) XXXX I dispute this account for the following reasons : 1. Inaccurate Reporting : The information reported does not reflect accurate details according to my records. I am requesting full validation of the account, including a signed agreement and payment history.

2. No Authorization : If XXXXXXXX XXXX XXXX XXXX  can not prove with documentation that I authorized or opened this account, it should be removed immediately. 
3. FCRA Compliance : Under the Fair Credit Reporting Act ( FCRA ) 1681i, if this account can not be fully verified, it must be corrected or deleted from my credit file.

4. Consumer Harm : This incorrect reporting is damaging my credit standing and should be resolved urgently. 

Please investigate this matter thoroughly. If XXXXXXXX XXXX  or TransUnion can not validate the accounts accuracy, I am requesting its removal. I also request written confirmation of the results of this investigation.

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 2025-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This capital one auto financial is on my inquiry and I did not authorize this and its ruining my credit. XXXX did not have my auto to run my credit. Please remove from XXXX XX/XX/year> please remove XXXX XXXXnquiry. They didnt have my authorization to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently went to check my credit as I am looking into purchasing my first home. I noticed a unauthorized 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
My home is in a FEMA disaster zone from Hurricane Helene. I am in forbearance due to the hardship. XXXX  took my account off forbearance, reported my account delinquent, then sold my debt to 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 2025-03-28 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The CFPB claims that Experian failed to properly investigate consumer disputes, conducted " sham investigations '' instead of reasonable investigations, and improperly reinserted inaccurate information into credit reports. 
Specific Failures : The CFPB alleges that Experian : Used faulty dispute intake procedures and failed to convey consumers ' disputes to furnishers fully and accurately. 
Routinely and uncritically accepted furnishers ' responses, even when those responses were improbable or illogical. 
Failed to provide adequate written notice to consumers of the results of its reinvestigations. 
Failed to prevent the improper reinsertion of previously deleted information from consumer credit files. 
Failed to follow reasonable procedures to ensure the accuracy and completeness of the information it reports.

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 2025-03-28 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: CA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: PA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> our flight was cancelled and delayed for 2 days. The chase sapphire reserve credit card includes trip delay insurance that pays for food, hotels, and toiletries when a trip is delayed more than 24 hours. When the reimbursement came back it was for {$160.00} total which did not even come close to covering the hotel expenses of {$530.00} for 2 nights. The {$160.00} only included food purchases. The chase sapphire reserve coverage is provided by XXXX XXXXXXXX. Email receipts for the purchases of the hotels were included as attachments to the claim. 

Claim Information Benefit Trip Delay Reimbursement Claim Number XXXX Date Initiated XX/XX/year> Incident Date XX/XX/year> Last Updated XX/XX/year>

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-03-28 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: MS

Complaint narrative:
XXXX XXXX SS # : XXXX I am writing to formally dispute an item on my credit report. Upon reviewing my credit report, I noticed an account has been applied to my account that I believe was inaccurately reported. I would like to request that this discount be removed from my credit report as it does not reflect the true status of my account. 
XXXX Account XXXX : XXXX I have attached supporting documentation for your reference, including a copy of my credit report and any relevant account information to substantiate my request. I kindly ask that you review the information provided and take the necessary steps to remove the discount from my credit history. 

I understand that accurate reporting is essential, and I would appreciate your prompt attention to this matter. Please inform me of the status of this dispute as soon as possible, and do not hesitate to contact me should you require any further information or clarification. 

I am writing to formally dispute inaccurate information ( XXXX Account Number : XXXX ) on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 

Recently, the consumer, financial protection bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices are outlined by the CFPB. They include conducting an accurate investigation that failed to address consumers dispute properly. Reinstating previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation result effectively. These allegations, highlight systematic issues, directly, undermine consumer protections and perpetuate the inclusion of inaccurate information on my credit report I am deeply concerned that these disputes may be mishandled handle in a similar manner.

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 2025-03-28 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: MS

Complaint narrative:
XXXX XXXX SS # : XXXX I am writing to formally dispute an item on my credit report. Upon reviewing my credit report, I noticed an account has been applied to my account that I believe was inaccurately reported. I would like to request that this discount be removed from my credit report as it does not reflect the true status of my account. 
XXXX Account XXXX : XXXX I have attached supporting documentation for your reference, including a copy of my credit report and any relevant account information to substantiate my request. I kindly ask that you review the information provided and take the necessary steps to remove the discount from my credit history. 

I understand that accurate reporting is essential, and I would appreciate your prompt attention to this matter. Please inform me of the status of this dispute as soon as possible, and do not hesitate to contact me should you require any further information or clarification. 

I am writing to formally dispute inaccurate information ( XXXX Account Number : XXXX ) on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 

Recently, the consumer, financial protection bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices are outlined by the CFPB. They include conducting an accurate investigation that failed to address consumers dispute properly. Reinstating previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation result effectively. These allegations, highlight systematic issues, directly, undermine consumer protections and perpetuate the inclusion of inaccurate information on my credit report I am deeply concerned that these disputes may be mishandled handle in a similar manner.

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 2025-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies.

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued.

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

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 2025-03-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally file a complaint against PORTFOLIO RECOVERY account number is unknown. in the amount of XXXX regarding their failure to provide proper validation of a debt they claim that I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) I exercised my right to request validation of this debt. However, despite my request PORTFOLIO RECOVERY hasn't provided any documentation to substantiate the validity of this debt, nor have they acknowledged my request within the legally required timeframe. Under the FDCPA, a debt collector must cease collection efforts until they have provided proper validation of the alleged debt. Given their lack of response, I believe PORTFOLIO RECOVERY is in violation of these consumer protection laws. I request that the CFPB investigate this matter and take appropriate action to ensure compliance with federal regulations. Please advise me on the next steps I can take to resolve this issue. Thank you for your time and assistance in addressing this matter. Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief