vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: DE

Complaint narrative:
On XX/XX/year>, XXXX card services reported my business credit card to my personal credit report with equifax in error, which dropped my credit score XXXX points as a result. I called the company who stated that this was an error on their end and that my business credit card should not be reported to my personal credit. It appears this affected many account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. 
The unverified items listed below remain on my credit report in violation of Federal Law. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). 
In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 
Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 
You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately.

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 2025-03-05 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
1. Timely Payment Made XXXX  Account Number : XXXX Please remove late payments and update account 2. Validate Account XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

4. XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

5. XXXX Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

6. Timely Payment Made XXXX  Account Number : XXXX Please remove late payments and update account XXXX. The following is an invalid late payment XXXX XXXX BANK XXXX Account Number : XXXX Please remove late payments and update account 8. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
1. Timely Payment Made XXXX  Account Number : XXXX Please remove late payments and update account 2. Validate Account XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

4. XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

5. XXXX Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

6. Timely Payment Made XXXX  Account Number : XXXX Please remove late payments and update account XXXX. The following is an invalid late payment XXXX XXXX BANK XXXX Account Number : XXXX Please remove late payments and update account 8. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate 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 non-monetary relief
Consumer complaint received 2025-03-05 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 concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighted and significant issues with the platform. dispute using Zelle numerous times and reporting discrepancies, my financial institution in Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers, but also allow repeat offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
Im frustrated to find that my report contains errors that are unfairly dragging down my scores. These mistakes have already led to unnecessary challenges that I shouldnt have to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into 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 non-monetary relief
Consumer complaint received 2025-03-05 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: NV

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: VA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-05 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: IN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: IN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-05 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian, Equifax and Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Dismissed Bankruptcy Dear Sir/Madam, I am writing to formally request the removal of a dismissed bankruptcy from my credit report. According to my records, the bankruptcy # Ref Reference Number XXXX, filed on XXXX XXXX, XXXX, was dismissed more than XXXX years ago and did not result in a discharge of any debts. 
Since this bankruptcy was not completed and has had no financial impact on creditors, I believe it is unfair for it to continue appearing on my credit report. Additionally, considering the amount of time that has passed, I respectfully request that it be removed to more accurately reflect my current financial situation. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all reported information is accurate, complete, and relevant. Given that dismissed bankruptcies hold far less weight over time and that this record is now over XXXX years old, I kindly request its removal from my credit file. 
I have attached copies of relevant documents confirming the dismissal of the case, along with a copy of my identification for verification purposes. I appreciate your prompt attention to this request and look forward to your confirmation of the update to my credit report. 
If you require any additional information or documentation, please let me know. I expect your response within the legally required XXXX period as mandated by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian, Equifax and Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Dismissed Bankruptcy Dear Sir/Madam, I am writing to formally request the removal of a dismissed bankruptcy from my credit report. According to my records, the bankruptcy # Ref Reference Number XXXX, filed on XXXX XXXX, XXXX, was dismissed more than XXXX years ago and did not result in a discharge of any debts. 
Since this bankruptcy was not completed and has had no financial impact on creditors, I believe it is unfair for it to continue appearing on my credit report. Additionally, considering the amount of time that has passed, I respectfully request that it be removed to more accurately reflect my current financial situation. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all reported information is accurate, complete, and relevant. Given that dismissed bankruptcies hold far less weight over time and that this record is now over XXXX years old, I kindly request its removal from my credit file. 
I have attached copies of relevant documents confirming the dismissal of the case, along with a copy of my identification for verification purposes. I appreciate your prompt attention to this request and look forward to your confirmation of the update to my credit report. 
If you require any additional information or documentation, please let me know. I expect your response within the legally required XXXX period as mandated by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have missed payments on my Capitol one credit card from XXXX. 6 missed payments in a row. This was due to my wife losing her job and the financial hardships that came with this. Having to allocate my sol income to pay for our mortgage, utilities, and food for my family, I was unable to make the payment on this credit card. I contacted The XXXX XXXX, and they assured me they could fix my credit by filing a dispute. This turned out to be false. Sometime later, I was told by an agent at The XXXX XXXX I needed to contact Capitol One to remove the missed payments. When I contacted Capitol One I was told I needed to contact the XXXX Credit Bureau. When I contacted XXXX I was told I needed to contact Capitol One. I would like for these hard inquiries on my credit report to be cleared up and would appreciate any help or direction about how to do so. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation