vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
Consumer Adjustment collection agency, are reporting an account to my credit report in the amount of {$1600.00}, that I do not recognize, and do not own. I wish to exercise my right to dispute inaccurate information as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681.The previous response is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

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

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of 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 explanation
Consumer complaint received 2025-01-24 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Delaware XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XX/XX/XXXX D.C. XXXX Subject : Complaint Regarding Incorrect Late Payments Reported on XX/XX/XXXXAccount Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate late payment information being reported on my credit profile. Specifically, late payments are showing for the XXXX XXXX XXXX account, with a late payment reported on my credit report for XX/XX/XXXX. 

I would like to clarify that I have never been late on this account, and as such, the reported late payment is inaccurate and unlawful. These late payments are negatively impacting my credit profile and do not reflect the true status of the account. The reported late payments violate my rights under the Fair Credit Billing Act, specifically 15 U.S.C. 1666 ( b ), which prohibits creditors from reporting inaccurate or misleading information regarding payments on an account.

As a result of these incorrect late payments, I have been unfairly harmed, and I am requesting that the CFPB assist in investigating this matter. The incorrect reporting of late payments is damaging my credit profile and needs to be rectified. 

I have already contacted the creditor, XXXX XXXX XXXX, directly to dispute these erroneous late payments, but as of today, no resolution has been provided. Therefore, I am seeking assistance from the CFPB to ensure that this error is corrected in accordance with federal law. 

Relevant Legal Provision : 15 U.S.C. 1666 ( b ) Fair Credit Billing Act : This section prohibits creditors from reporting incorrect or misleading information about payments and account status. The reporting of late payments on an account where no late payments occurred is a violation of this provision.

I respectfully request that the CFPB intervene and ensure that this inaccurate late payment information is removed from my credit profile and that my rights under the Fair Credit Billing Act are enforced. Please let me know if you require any additional documentation or information from me. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXXXX/XX/XXXXAccount Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
I am writing to dispute the accuracy and legitimacy of several hard inquiries listed on my credit report. Upon reviewing my credit report, I have identified the following inquiries, which I believe were unauthorized and made without my consent : 1. XXXX XXXXXX/XX/XXXXXX/XX/XXXX 2. XX/XX/XXXX XX/XX/XXXX 3. XX/XX/XXXX: XX/XX/XXXX 4. XXXX XXXX : XX/XX/XXXX 5. XXXX : XX/XX/XXXX 6. XX/XX/XXXX : XX/XX/XXXX 7. XXXX FOR : XX/XX/XXXX 8. XXXX : XX/XX/XXXX According to 15 U.S. Code 1681 ( Fair Credit Reporting Act ), you are required to ensure that the information contained in my credit report is accurate, complete, and verifiable. Hard inquiries should only appear if I have given explicit authorization or initiated a request for credit.

1. If such evidence can not be provided, promptly remove these inquiries from my credit report.

Failure to investigate this matter fully or to respond within the legally required time frame of 30 days may constitute a violation of my rights under the Fair Credit Reporting Act. I expect to receive a detailed response explaining the actions taken as a result of your investigation. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
1978 Electronic Fund Transfer Act, which governs digital payments, requires peer-to-peer payment providers such as Cash App to investigate and resolve fraud claims

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
Filed a dispute with Capital One regarding XXXX XXXX charges, I spoke with multiple Capital One agents, I provided multiple documents and listed the dispute numbers on the response, I never received any emails after my response was submitted. I submitted XXXX which included all the complaint numbers on one form, all with the same circumstances which revolved around a credit on tickets which the carrier made multiple mistakes on, which warranted a refund. Capital One issued a refund on one of the tickets, and even though the EXACT issues were the same as the dispute they authorized a credit on, they came up with the excuse that I didn't file the exact response to the other dispute, even though I CLEARLY listed the dispute numbers and spoke to the Agent of Capital ONE which TOLD me that it was ok to file ONE, and just articulate that the other dispute were all the same exhibits, as provided. Now Capital One says they will not credit me with the other ticket credit even though they approved the credit on the other. Its {$1700.00} which I believe Capital ONE made the error in NOT reading the responses and the exhibits that included BOTH tickets for credit. Capital One refuses to accept any liability for there staff that are not trained and or overlooked both disputes. They also didn't send any emailed to me to respond, I mean it was abundantly clear that I had requested a credit on BOTH tickets. I have a complete documented file, I spoke to Capital One yesterday, and they basically told me too bad ... .I think they are in violation of there duty to provide proper due diligence and protect the card holders interests. The card in listed under my name and I have Never been late paying my balance. Please help me get my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I am writing to formally express my concerns 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 transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed 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 2025-01-24 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: TX

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: TX

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

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: VA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Subject : Macys Credit Card Account number ending in XXXX Issue : Reporting dispute of Incorrect Interest Charge of {$880.00} + Compounded Interest of {$750.00} Dear Sir/Madam, Im writing to provide details about the dispute I filed with XXXX 's on more than XXXX different occasions via recorded phone calls on my Macys CC account ending in XXXX. Additionally, recently 2 times with XXXX, first time on XX/XX/XXXX at XXXX ( XXXX ) via phone call, and second time via mail on XX/XX/XXXX on my Macys CC account ending in XXXX. 

In XX/XX/XXXX, I purchased an interest free XXXX yr promotional item from XXXX store in the amount of {$2300.00}, which I paid off within the promotional period ( of 1 year ). My total payments from XX/XX/XXXX to XX/XX/XXXX amounted to a total of {$5800.00}, which by far exceeded the promotional balance I owed to pay in the promotional period. 

However, Macys still erroneously charged me {$880.00} ( not legitimate ) in deferred interest in XX/XX/XXXX, thinking that I did not pay the promotional item in XXXX yr interest free period followed by an additional {$750.00} in compounded interest through XX/XX/XXXX. XXXX 's still charging the compounded interest every month which is also ( not legitimate ). 

Despite the multiple efforts I made in the past on recorded phone calls with XXXX 's, including the latest one on XX/XX/XXXX, at XXXX ( XXXX ) with Macys XXXX XXXX XXXX Employee ID : XXXX ) and XXXX XXXX ( Employee ID : XXXX ), who admitted the error and erroneous charges on the recorded call, but the issue remains unresolved / un-corrected. My account still reflects an incorrect {$1600.00} ( {$880.00} + {$750.00} ) balance that I do not owe them anymore since XX/XX/XXXX. 

During my latest phone call with Macys, I mentioned them if the long overdue issue is not corrected promptly, I will then escalate the matter to the Credit Bureaus which is why I contacted XXXX recently. 

XXXX 's agreed with my dispute with XXXX but still not corrected the issue as of today ( XX/XX/XXXX ) which is why I am now contacting your company to please help/ assist. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-01-24 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: AL

Complaint narrative:
aIn accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 filed a dispute with Experian. The account number is : XXXX and the company Is the XXXX XXXX XXXX because there was an incorrect amount of late payment on my report. I was recently notified that the CFPB was filing a lawsuit against Experian. They alleged that the company of accepting unreliable information and failure to notify consumer dispute results. This aligns witn my current situation! Experian has not attempted to remove or correct the information. I am requesting that the derogatory remark be removed or corrected immediately as it is affecting my chances of getting a house car and start a business. Experian violates my right as a consumer as well as federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: KS

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Credit card theft and identity theft that has never been resolved

Company response to consumer: Closed with non-monetary relief