vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  XXXX a rental company denied my application because of an eviction showing in my credit report. The rental application was denied on XX/XX/XXXX  due to eviction and credit. However Ive never been evicted and currently still live at the same address that I supposedly got evicted from. Im considering moving to another location and before doing so I would like to resolve this ASAP. I currently live at and always lived at XXXX XXXX XXXX XXXX XXXX Ga XXXX. 
Since XXXX. The only other address I lived at would be XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Under my mother name 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 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I got a loan for a XXXX  XXXX in XXXX of XXXX. My monthly payments are XXXX only about XXXX goes towards the actual car its self while the other XXXX something is for interest. I will provide photos of all payments made as well as what Im paying towards car and interest. I added as much information as I could get.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In 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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: WA

Complaint narrative:
Subject : Request for Deletion of Fraudulent Account from All Consumer Reporting Agencies To Whom It May Concern, I am submitting this complaint regarding a fraudulent account that was opened in my name as a result of identity theft. The account was not authorized by me, and the activity associated with it has caused harm to my financial standing. 

If this fraudulent account has been reported to consumer reporting agencies, including XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX. Under federal law, I request the removal of this account from all consumer reports. 

Relevant statutes supporting my request include : 1. Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) : This law requires consumer reporting agencies to block and remove fraudulent information after receiving a valid identity theft report. 
2. Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : As the account was not authorized by me, any collection or verification efforts tied to this account are invalid. 
3. Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : Reporting and maintaining inaccurate information about this account constitutes an unfair, deceptive, and abusive practice.

To substantiate my claim, I am providing supporting documents, including an identity theft report and related affidavit. I request that this information be reviewed and that the account be removed from all consumer reporting agencies. 

Please ensure that all relevant steps are taken to restore the accuracy of the records and confirm that this fraudulent account has been deleted. 

Thank you for your 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 non-monetary relief
Consumer complaint received 2025-01-26 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: CO

Complaint narrative:
I am a victim of identity theft and my information was exposed due to the breaching of data in Equifax system. Please check the information concerning the Equifax Data Breach below in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent multiple dispute letters to Experian regarding inaccurate information on my credit report. Despite providing evidence, Experian has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : Experian has not ensured the maximum possible accuracy of the information in my credit file.

15 USC 1681s-2 : Experian has continued to report inaccurate information after I provided notice of disputes.

15 USC 1681i ( 5 ) : Experian has reinvestigated and reinserted disputed items without notifying me, as required by law.

15 USC 1681c ( c ) : Experian has reported obsolete information that should have been excluded from my credit report. 

Recently, I became aware of the lawsuit filed by the CFPB against Experian on XX/XX/year> titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors. '' According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. 
Experian 's failure to comply with these laws has caused harm to my to my creditworthiness, limiting my access to credit, employment, and housing opportunities.

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 2025-01-26 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: GA

Complaint narrative:
Transunion 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 Transunion 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 Transunion has neither corrected or removed these disputed items despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.

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 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
District Court for XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Equifax Inc. Customer Data Security Breach Litigation ; Case XXXX CC : The Consumer Affairs ; Federal Trade Commission ; Consumer Financial Protection Bureau I expect Equifax to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. Equifax received these materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
Fraudulent Transaction : XXXX XXXX  : Balance : {$21000.00} : Opened : XXXX XXXX, XXXX  ( REPOSESSION )? 
Fraudulent Transaction : Conns : Balance : {$840.00} : Opened : XXXX. XXXX, XXXX  Fraudulent Transaction : XXXX  XXXX XXXX XXXX : Balance : {$410.00} : Opened : XXXX XXXX, XXXX  Fraudulent Transaction : XXXXXXXX XXXX XXXX  : Balance : {$360.00} : Opened : 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 XXXX : Inquiry : XXXX. XXXX, XXXX ; XXXX. XXXX, XXXX & XXXXXXXX XXXX XXXX Based on the CFPBs recent lawsuit against XXXX for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand that Equifax to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. I AM HONESTLY BEING HARASSED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
On XX/XX/year>, there were several accounts that were removed from my consumer file due to them being part of my identity theft. on XX/XX/year> they were all added back without notifying me in writing 5 days prior per 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) if the CRA reinserts the information, it MUST notify the consumer IN WRITING within ***FIVE BUSINESS DAYS*** of doing so. I was not notified of anything. These items were listed on my identity theft report and per FCRA 605 ( b ) there were removed, and then reinserted without notification. I have attached the original letters that were sent out showing dates, as well as screenshots showing the accounts removal date ( XX/XX/year>XXXX  ), as well as the date that there were reinserted without any written notice ( XX/XX/year>XXXX  ). 
They are already in legal trouble per 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ) reference CFPB File No. XXXX for similar violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer

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 2025-01-26 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: TX

Complaint narrative:
My information was exposed in a data breach. Under the FCRA Section 605B account should be removed within adequate time.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

I am aware the CFBP has a lawsuit against Experian and I myself will obtain legal counsel.

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 2025-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXXXXXX XXXX inaction violates federal law and my rights as a consumer. 

Account in question : XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The identity theft stolen my Social Security Number and used it to apply for three different credit cards which I wasnt aware of it at all until one day I received a statements for these 3 companies. The THREE credit companies are XXXX XXXX, XXXX, and CAPITAL ONE. As soon as I found out that, I went to the police department to report it, but they said I have to have the credit card company statement that states it was fraud which I called the credit company they said they cant provided me any reports because I need to have the police report. Since in the situation nobody was willing to help me so I go ahead call each credit card company in order to dispute the charges. The XXXX XXXX and XXXX they went ahead do the investigation and successfully dispute the charges that I didnt make. BUT CAPITAL ONE, which I called multiple times, last time I was on the phone with the supervisor of the fraud department over 2 hours and still got no help from them. I told them about my situation and all they said is they will put me under collections and I have to PAY the charges that I DIDNT made. I also requested to reinvestigate but they refused to do that and I DO NOT UNDERSTAND why other two company will dispute the charges but not CAPITAL ONE. They also OFFERED me if I make a payment they will give me certain percentage off which I refused because I dont pay for somebody who stolen my identity and pay for them. Is it because the amount is under {$500.00} so they dont care about consumers, they also stated thats not only thing they refused to investigate. Due to Capital One, my credit score went down dramatically and impacted me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
Bridgescrest Account XXXX was charged off .This is an unfair repossession practices, including improper notification of default, the vehicle was sold at an auction and The lender never notified me of the sale date and location of the car. Im never received a Deficiency Notice. The account shows a repossessed amount {$28000.00} and written off for {$19000.00}. This incorrect balance and The information is different across the 3 credit bureaus.This is incorrect reporting and needs to re-investigated and deleted from my credit report. 
Under NYS ucc code my rights are Rights of the owner The owner is entitled to immediate notice of the repossession The owner is entitled to notice before the vehicle is sold The owner is entitled to a statement about the sale after the vehicle is sold The owner may be able to reinstate the contract by paying the past due amounts The owner may be able to bid on and buy back the vehicle at auction and my rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
The company stated in writing that they failed to verify an account yet they continue to report this inaccurate account. Please see the attached letter along with proof of damages.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In 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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Two different XXXX  accounts with payments of {$1400.00} and {$920.00}. I have submitted two different disputes for these accounts.

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 2025-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I received a paper bill with a late fee of {$30.00} & a " minimum interest charge '' of {$3.00}. My bill is {$41.00} without that late fee. With the late fee and Minimum interest charge, it is {$74.00}. In accordance with the law, it is illegal to charge the {$30.00} for a late fee per CFPB. Late fees are capped at {$8.00} per incident. I just got this card last month and made a one time purchase shortly before XXXX.

Company response to consumer: Closed with monetary relief