vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-26 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: AR

Complaint narrative:
Not updating my credit to many old accounts over 7 years still active non update on 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 2025-02-26 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: NM

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report regarding my XXXX XXXX account ( Account number xxxxxxxxxxxx XXXX ). Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I request an immediate investigation and correction of the following discrepancies : Incorrect Late Payment Reporting for XX/XX/year> : One credit report lists my XX/XX/year> payment as 60 days late, while another states it was only 30 days late. 
Per 12 CFR 1022.42 ( a ) and FCRA 611, furnishers must provide accurate and verifiable information. I request a correction or deletion of this inaccurate record.

Account Dispute Status Omitted on One Report : My account is currently under dispute, but one of my reports fails to indicate this.

Per FCRA 611 ( a ) ( 1 ) ( B ), disputed accounts must be flagged accordingly during the investigation. I request that this be updated immediately.

Inconsistent Payment History Reporting : Some months in my payment history are missing or displayed differently across reports.

Under FCRA 623 ( a ) ( 1 ), furnishers must ensure information is complete and accurate. 
I request that XXXX XXXX investigate these discrepancies and provide documentation verifying the accuracy of the reported information. If verification can not be provided, I demand the correction of these inaccuracies per the FCRA and 12 CFR Part 1022.

Please provide a written response confirming the resolution of this dispute within 30 days as required under FCRA 611 ( a ) ( 1 ) ( A ). 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates at your earliest convenience. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report regarding my XXXX XXXX account ( Account number xxxxxxxxxxxx XXXX ). Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I request an immediate investigation and correction of the following discrepancies : Incorrect Late Payment Reporting for XX/XX/year> : One credit report lists my XX/XX/year> payment as 60 days late, while another states it was only 30 days late. 
Per 12 CFR 1022.42 ( a ) and FCRA 611, furnishers must provide accurate and verifiable information. I request a correction or deletion of this inaccurate record.

Account Dispute Status Omitted on One Report : My account is currently under dispute, but one of my reports fails to indicate this.

Per FCRA 611 ( a ) ( 1 ) ( B ), disputed accounts must be flagged accordingly during the investigation. I request that this be updated immediately.

Inconsistent Payment History Reporting : Some months in my payment history are missing or displayed differently across reports.

Under FCRA 623 ( a ) ( 1 ), furnishers must ensure information is complete and accurate. 
I request that XXXX XXXX investigate these discrepancies and provide documentation verifying the accuracy of the reported information. If verification can not be provided, I demand the correction of these inaccuracies per the FCRA and 12 CFR Part 1022.

Please provide a written response confirming the resolution of this dispute within 30 days as required under FCRA 611 ( a ) ( 1 ) ( A ). 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates at your earliest convenience. 
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 2025-02-26 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: IL

Complaint narrative:
Im filing a complaint against Zelle because they didnt fully investigate my claim again wrongfully not flagging or going after a false account in which funds were used from my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I completely paid off my credit card by the due date. I owed XXXX which had the due date of XX/XX/year>. I made a payment of {$2000.00} which was deducted from my XXXX account on XX/XX/year>. My final payment of {$550.00} was deducted from my checking account with XXXX on XX/XX/year>. Afterward, My balance was XXXX. I received a statement the following month from Bank of America with an unexplained interest charge of XXXX, due in XXXX. I made several unsuccessful attempts to contact them to resolve the problem. Unfortunately, I am not able to resolve the issue with Bank of America.

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 2025-02-26 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XXXX -- {$620.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$620.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$8400.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.

-SEE ATTACHED DOCUMENT INFO AND VALIDATION OF IDENTITY THEFT.

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 2025-02-26 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: NY

Complaint narrative:
I have reviewed my credit report and noticed that an account is not being reported accurately. Specifically, multiple late payments have been reported on an account that I have consistently paid on time. Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that all information in my report is completely accurate. 

Additionally, I have noticed inconsistencies across the XXXX major credit bureau TransUnion, Equifax, and Experian where this account is being reported differently on each report. These discrepancies indicate that the consumer reporting agencies are not following reasonable procedures to ensure maximum possible accuracy, as required by law. 

To address this, I have attached a copy of my credit report to provide supporting documentation to show that the reported late payments on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX are incorrect. However, instead of correcting the errors, I have received only stall responses that fail to resolve the issue. The inaccurate reporting remains on my credit file, negatively affecting my credit standing. 

I request that the CFPB take immediate action to : Investigate the credit reporting agencies failure to follow reasonable procedures to ensure accuracy. 

Require TransUnion, Equifax, and Experian to correct the inaccuracies in my credit report. 
Ensure compliance with the Fair Credit Reporting Act to prevent further harm to consumers. 

This ongoing inaccuracy has caused financial harm, and I urge the CFPB to intervene to ensure that my consumer report reflects only verified, accurate information. I have attached my credit reports and supporting documentation to substantiate my claim.

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 2025-02-26 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 reviewed my credit report and noticed that an account is not being reported accurately. Specifically, multiple late payments have been reported on an account that I have consistently paid on time. Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that all information in my report is completely accurate. 

Additionally, I have noticed inconsistencies across the XXXX major credit bureau TransUnion, Equifax, and Experian where this account is being reported differently on each report. These discrepancies indicate that the consumer reporting agencies are not following reasonable procedures to ensure maximum possible accuracy, as required by law. 

To address this, I have attached a copy of my credit report to provide supporting documentation to show that the reported late payments on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX are incorrect. However, instead of correcting the errors, I have received only stall responses that fail to resolve the issue. The inaccurate reporting remains on my credit file, negatively affecting my credit standing. 

I request that the CFPB take immediate action to : Investigate the credit reporting agencies failure to follow reasonable procedures to ensure accuracy. 

Require TransUnion, Equifax, and Experian to correct the inaccuracies in my credit report. 
Ensure compliance with the Fair Credit Reporting Act to prevent further harm to consumers. 

This ongoing inaccuracy has caused financial harm, and I urge the CFPB to intervene to ensure that my consumer report reflects only verified, accurate information. I have attached my credit reports and supporting documentation to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-26 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I called Nelnet on XX/XX/year>XXXX XXXX XXXX XXXX XXXX and discussed with a customer service representative my issue. Great Lakes Student loans has since dissolved their website and phone number and I am unable to request any payment or balance information from them. I informed the representative that the balance they had on file was incorrect and was ~ {$1300.00} more than what I remember the balance being with Great Lakes. I requested a full payment history from the previous borrower ( Great Lakes ) and information on the balance at time of transfer. I informed them I would not make a payment until the balance was confirmed. I never received any mail, emails or correspondence with the information I requested. Today I noticed that a 90 day late notice was reported to the credit bureau 's and no 30 or 60 day notice was reported. This has negatively impacted my credit score to the point where I might not be able to qualify for a mortgage loan. Nelnet has stated that they will not perform any " Goodwill Requests '' and hence my credit score can not be corrected. I feel like I should have been given due process to contest the error before any negative credit reporting was sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
I purchased online from XXXX a smart glass on XX/XX/XXXX. 

I requested a refund on XX/XX/XXXX I went to XXXX on the same day XX/XX/XXXX and shipped back the product. 

Waited a few weeks to get my money back. Didnt receive it. 

I called my credit card company and filed a dispute. 

I sent all these supporting documents to capital one : Proof of purchase Proof of cancellation XXXX return with tracking ID I have uploaded to their system and also emailed their representative on XX/XX/XXXX. 

After many calls, and run arounds excuses. Now they are saying they wont give my money back. Conclusion : I bought a product, returned within their cancellation period, didnt receive the money back, neither I have the produ
ct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Dear CFPB Equifax New FCRA violation associated with Medical Creditor name was changed to Unknown Name All FCRA violations are being reported on separate complaints because Equifax is failing to confidently read the complaints.

Equifax is knowingly and intentionally changing the creditors name right before they are supposed to do an investigation so that they can later claim they failed to do the investigation because they couldnt find the account.

As mentioned in a previous complaint, Equifax changed the name of the Medical Loan account of XXXX XXXX to XXXX. They then claimed that their failure to investigate was due to the name change that they created. Similarly the XXXX XXXX  XXXX  account was changed to XXXX XXXX XXXX by Equifax disputes department as was determined by a Equifax agent. Today the Medical Loan XXXX XXXX XXXX account was changed to XXXX XXXX. 
This creates massive confusion in the disputes process, and none of these name changes were authorized Equifax didnt not notify me of the changes required by 15 USC 1681 The name changes of the creditors were deceitful and create inaccuracies violating 15 USC 1681 ) ( 1 ) Their behavior undermines the public trust a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

Because of the failure to notify me of the change and the deceitful way that Equifax continues to change creditors name to a fake name, I am demanding that the medical debt that should have already been removed from the account be removed immediately. It is currently under the name o
f XXXX  but was previously under the name of XXXX It should also be known that no more investigations are disputes are to be done on my account without my permission and without personally calling me on my home phone XXXX. The investigations were requested on XX/XX/XXXX and in XX/XX/XXXX however, the time for disputing and investigating has passed and the four charge ups on my account should have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
I recently review a copy of my credit report and noticed i had fraudulent account on my report. Please remove this account. They are hearting my ability to obtain credit

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