vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I moved from Wisconsin to Minnesota XX/XX/XXXX. I updated all of my financial creditors with my new address. My first year in Minnesota was a financial disaster, physically stressful to the point that the stress made me sick. I feel beyond in a capital one quicksilver card however had a capital one XXXX card that was paid off every month. I received no written communication from them about them changing my card. I saw in my experian credit report the debt was charged off in XX/XX/XXXX and have received no communication from capital one about that account. 

Around XX/XX/XXXX, capital one closed my XXXX card and gave me a XXXX. I noticed that on the XXXX app. I never received a physical card but I did receive a digital card. I contacted capital one at least 5 times requesting the physical card. It turned out they mailed it to the address i moved from in XX/XX/XXXX and it was repented to then in XX/XX/XXXX but they had my updated information because I've been active on their app. Each of those phone calls took an average of XXXX minutes to XXXX hours, each time requesting the new card be mailed to me, and confirming my minnesota mailing address in each phone call. 
Out of the no where, I received a letter from their debt collector, XXXX XXXX Firm in XXXX XXXX, Mn, in the mail on XX/XX/XXXX. Coincidentally, on XX/XX/XXXX, I receive an envelope from capital one with a statement for the XXXX that replaced the XXXX card ( but they claim they have not able to mail me a replacement card for the XXXX account that replaced the XXXX card, which is the physical card they claim was returned to them in XX/XX/XXXX because they mailed the original card to the address I'd not lived at for over 18 months ) > which is also the first written correspondence I've received from them since moving to Minnesota on XX/XX/XXXX. 

I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: AL

Complaint narrative:
I am disputing the inaccurate late payment marks on my XXXX XXXX account that appear on my credit reports from XXXX, XXXX, and Experian. These late payments were incorrectly reported during the early months of the XXXX pandemic when I was provided a forbearance or grace period under the federal emergency mandate. 

Dispute Details : Creditor : XXXX XXXXXXXX Account Type : [ Credit Card/Loan ] Disputed Late Payments : XXXX and XXXX late marks during the federally mandated stay-at-home period Issue : XXXX XXXXXXXX granted me a forbearance/grace period due to the XXXX emergency, and during this time, late payments should not have been reported as delinquent. 
Violation : Reporting these payments as late while a forbearance or hardship agreement was in place violates the CARES Act and the Fair Credit Reporting Act ( FCRA ). 
Legal Basis for Removal : CARES Act ( XX/XX/year> ) : Creditors were required to report accounts as current if a consumer was granted a XXXX accommodation and met the terms of that agreement. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must provide accurate reporting, and failure to update accounts correctly violates federal law.

FCRA 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to investigate disputes within 30 days and correct inaccuracies. 
Requested Action : Immediately remove all 30-day and 60-day late payment marks from my credit reports across XXXX, XXXX, and Experian for the affected months. 
Update the payment history to reflect the correct status as current during the forbearance period. 
Provide written confirmation of the corrections

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am disputing the inaccurate late payment marks on my XXXX XXXX account that appear on my credit reports from XXXX, Equifax, and XXXX. These late payments were incorrectly reported during the early months of the XXXX pandemic when I was provided a forbearance or grace period under the federal emergency mandate. 

Dispute Details : Creditor : XXXX XXXXXXXX Account Type : [ Credit Card/Loan ] Disputed Late Payments : XXXX and XXXX late marks during the federally mandated stay-at-home period Issue : Capital XXXX granted me a forbearance/grace period due to the XXXX emergency, and during this time, late payments should not have been reported as delinquent. 
Violation : Reporting these payments as late while a forbearance or hardship agreement was in place violates the CARES Act and the Fair Credit Reporting Act ( FCRA ). 
Legal Basis for Removal : CARES Act ( XX/XX/year> ) : Creditors were required to report accounts as current if a consumer was granted a XXXX accommodation and met the terms of that agreement. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must provide accurate reporting, and failure to update accounts correctly violates federal law.

FCRA 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to investigate disputes within 30 days and correct inaccuracies. 
Requested Action : Immediately remove all XXXX and XXXX late payment marks from my credit reports across XXXX, Equifax, and XXXX for the affected months. 
Update the payment history to reflect the correct status as current during the forbearance period. 
Provide written confirmation of the corrections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$930.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$930.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Never removed or updated report 15 USC, 1681 i.a ( 1 ) ( A ) 15 U.S.C., 1681 s ( 2 ) ( A )

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is currently being sued for the same damages they did to my credit report. I was being denied service for my credit report not being accurate. Under the FCRA. I deserve compensation for the damages done to my credit report from all 3 credit bureaus but especially Experian. TransUnion and Equifax are also guilty of the same allegations as Experian.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
During XXXX XXXX XXXX was servicing my mortgage. I was on forbearance for all of XXXX and part of XXXX. Sometimes in XXXX Shell point mortgage started to service my mortgage loan. I believe in the acquisition process my account information didn't transfer corrected and Shell point mortgage report XXXX late payment on my mortgage. I made a large payment to catch up with my account while it was in forbearance, I have not been late or missed any payments on my mortgage for more then 12 months since my forbearance was lifted. The XXXX missed payment is incorrect reporting on my credit report. It is damaging my credit reporting and it is enabling my ability to purchase property. I am in the process of opening a business and I can't until this is fixed. Please delete the XXXX late payment in XXXX from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$670.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX XXXX I received confirmation from all three Credit Bureau that The accounts that I disputed was removed but it is still on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : Name : XXXX XXXX Also Known As : XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Collection Service Inc (GA)
State: AL

Complaint narrative:
Moved out prior to lease fulfillment due to medical issues and needing to move back home, 2 hours away, to be closer to family.

Proper notification was given, house was cleaned and undamaged.

We are being charged for an entire house ( 2 stories ) of broken ( wooden ) blinds when the only set of blinds damaged was on the front and back doors. These are the vinyl blind, costing about {$20.00} per pair. 

In total, the company is requesting a payment of {$3000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to bring to your attention a serious issue regarding an unauthorized account that has been opened under my name. This account is fraudulent, and its existence on my credit report is a direct result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filling a dispute 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File no. 2025-CFPB-0002 ) against them for similar violations. I results that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
I am writing to formally express my concern 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 transaction was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect the consumer but has also allowed repeated offenders to exploit the system. Leaving us the users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I paid capital one money, and they forgave {$190.00} and it should reflect paid in full, I did pay over {$490.00} my share of the debt directly to capital one. they made a settlement offer to me and i paid in full my share as promised and they forgave {$190.00} My credit report has not updated yet, it still shows a balance of {$190.00} and that's not accurate. Capital one forgave that settlement paid directly to capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and their responsibility to safeguard my information.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and their responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 20 Years I didn't been in USA and those accounts must be deleted asap. Asking all banks and credit unions to remove these accounts from my credit report. XXXX and XXXX already removed most of them please follow them and do it by the 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 2025-02-12 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
My information was involved in a breach and most if not all of the inquieries in my report should not be there. I received notification my information was in the breach offering me a {$100.00} settlement but I dont want settlement money I just want my credit report wiped clean.

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 2025-02-12 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: EQUIFAX, INC.
State: WV

Complaint narrative:
My information was involved in a breach and most if not all of the inquieries in my report should not be there. I received notification my information was in the breach offering me a {$100.00} settlement but I dont want settlement money I just want my credit report wiped clean.

Company response to consumer: Closed with explanation