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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The inaccurate item in question is reported by " XXXX '' and does not meet the standards of accuracy, completeness, and verifiability required by federal law. 
The disputed account details are as follows : Creditor Name : XXXX Dispute Grounds : Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Under FCRA, credit reporting agencies must adopt procedures to ensure maximum possible accuracy of reported information. The reported balance, account status, and date of last activity appear inconsistent and unverifiable.

Failure to Properly Investigate Upon Dispute ( 15 U.S.C. 1681i ( a ) ) Credit bureaus are required to conduct a proper reinvestigation of disputed items. I demand a full validation of this account, including original documentation from the furnisher proving its accuracy. If such documentation can not be provided, the account must be deleted immediately.

Unverifiable Information Must Be Deleted ( Cushman v. TransUnion, XXXX XXXX XXXX, XXXX XXXX. 1997 ) This case established that credit bureaus must do more than rely on automated responses from data furnishers. If the accuracy of this item can not be substantiated, it must be removed from my credit report. 


Reporting of Inaccurate Information Constitutes Defamation and Negligent Enablement of Identity Fraud ( FCRA XXXX U.S.C. 1681o, 1681n ) If this account is not mine, or if it has been inaccurately reported, continued reporting may be grounds for legal action under both the FCRA and relevant state defamation laws.

Request for Immediate Action Conduct a proper reinvestigation and provide me with copies of any documentation used to verify this account.

If the account can not be verified with original creditor documentation, remove it from my credit report.

Provide me with an updated copy of my credit report reflecting these changes.

Failure to comply with these legal requirements within the statutory 30-day period will result in further action, including complaints filed with the Consumer Financial Protection Bureau XXXX CFPB ) and potential legal proceedings. 
I expect a response within the time required by law. Please send all correspondence to my mailing address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I walked into XXXX XXXX with a pre approval and income verification through Capital One. I worked with XXXX XXXX XXXX ) a finance advisor as well as the finance manager who was on the phone with Captial One Auto Fiannce to get a rate and payment amount approved. I was approved and drove off the lot with my New Car with my first payment set and due XX/XX/year>. On XX/XX/year> I got multiple notifications for my credit being ran for auto finance loans. I immediately contacted and found out who was running my credit without my consent. I then contacted Capital One Auto Finance to get information on where I make my first payment and that is when I found out on XX/XX/year> my paperwork and documentation I signed were turned in by XXXX the finance advisor. XXXX XXXX understands they are a preferred dealership with Capital One finance and the paperwork should have been turned in prior to 30 days. XXXX submitted my paperwork 38 days after I walked out of that dealership approved. They admitted to their mistake and ran my credit without my consent and want me to sign a new agreement with higher rate and payment than the prior I was approved for or return the car.

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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing a complaint against TransUnion 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. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( 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, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( 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 TransUnion complies with federal law and provides consumers with the necessary proof of investigation, These are the account i mark inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
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: MN

Complaint narrative:
The following credit card account and hard inquiry currently listed and showing on my Experian and Equifax credit report is fraudulent, unauthorized and not my credit card account or hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Upon my request, Barclays bank open an account for me aXXXX XXXX XXXX and mailed all the documents to the wrong address. I never received any invoices or statements or even the card itself so, it wasn't paid. 

Several months in, they finally contacted the 2nd contact number on my application and reached my husband XXXX who, upon finding out about the open balance and sale of the delinquent account to a collection agency, asked for more information. They responded with confirming my name and mailing address. It was at that point that he noted their discrepancy of having the wrong address. 

Not wanting to pay off a collection agency and having it affect my credit, he then called Barclays directly and discussed the problem with them in hopes of correcting the discrepancy. When they finally sent the statement of accounts to us, he paid the original open balance immediately which was on the copy of the original statement. 

The amount they claim that was written off and is now noted negatively on my credit history and is the finance charge that would have never been charged had they mailed the original paperwork to the correct address.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 2025-03-06 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: NC

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have reviewed my credit report and found an error that must be corrected. In accordance with the XXXX XXXX XXXX, an unpaid charge off qualifies as income and according to FCRA, income can not be reported on a credit report. I'm requesting a XXXX ( cancellation of debt ) from the following charged off account : XXXX I have provided documentation to confirm that this account has been sold to different entitie for collection. XXXX has sold this account to XXXX XXXX, which is a third party, and therefore can not be reported as a chargeoff on my credit report. Please send the requested XXXX form.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of an account listed under the name XXXX XXXX on my credit report. I have never entered into any contract, agreement, or financial obligation with XXXX XXXX, and therefore, this account is being reported in error. 

Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I am requesting verification of this account, including a signed contract or agreement that proves my obligation to XXXXXXXX XXXX. If no such documentation can be provided, the account must be deleted immediately under CRA 611 ( a ), which mandates that credit bureaus remove unverifiable or inaccurate information.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting debt validation from XXXX XXXX. If they can not prove I owe them a debt, they are in violation of the law, and this account should be removed from my credit report. 

I have enclosed a copy of my credit report which does not list XXXX XXXX as a party to my debt. This further proves that XXXX XXXX has no legitimate claim to my financial obligation. 

Please delete this account from my credit report as it has been well over 60 days and is required by law. If this error is not corrected, I am prepared to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am writing to formally dispute the reporting of a late payment on my auto loan account ending in [ Last XXXX Digits of Account XXXX ], as well as to raise concerns about potential unauthorized access to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to accurate reporting and protection against the misuse of their credit information.

Upon reviewing my credit report, I noticed inquiries and activity tied to my auto loan that I did not authorize or fully understand. Under 1681b of the FCRA, my credit report may only be accessed for permissible purposes, such as credit applications or account management and only with my explicit consent. Any inquiry or sharing of my credit information beyond these legal boundaries constitutes a violation of my rights.

Given these potential violations, I am requesting that the late payment associated with my auto loan be removed as part of resolving this issue. The presence of unauthorized inquiries and potential misuse of my report calls into question the accuracy and fairness of the late payment reporting.

I kindly request that you : 1. Investigate all credit inquiries related to my auto loan account and provide documented proof of my consent.

2. Remove the late payment from my credit report, as the improper handling of my credit information undermines the validity of this negative mark.

3. Confirm the removal in writing and provide assurance that my credit information is now handled in full compliance with the FCRA.

If this issue is not resolved promptly, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for willful noncompliance under 1681n of the FCRA.

I appreciate your immediate attention to this matter and look forward to your response within the legally required 30-day period.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am writing to formally dispute the reporting of a late payment on my auto loan account ending in [ Last XXXX Digits of Account XXXX ], as well as to raise concerns about potential unauthorized access to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to accurate reporting and protection against the misuse of their credit information.

Upon reviewing my credit report, I noticed inquiries and activity tied to my auto loan that I did not authorize or fully understand. Under 1681b of the FCRA, my credit report may only be accessed for permissible purposes, such as credit applications or account management and only with my explicit consent. Any inquiry or sharing of my credit information beyond these legal boundaries constitutes a violation of my rights.

Given these potential violations, I am requesting that the late payment associated with my auto loan be removed as part of resolving this issue. The presence of unauthorized inquiries and potential misuse of my report calls into question the accuracy and fairness of the late payment reporting.

I kindly request that you : 1. Investigate all credit inquiries related to my auto loan account and provide documented proof of my consent.

2. Remove the late payment from my credit report, as the improper handling of my credit information undermines the validity of this negative mark.

3. Confirm the removal in writing and provide assurance that my credit information is now handled in full compliance with the FCRA.

If this issue is not resolved promptly, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for willful noncompliance under 1681n of the FCRA. 

I appreciate your immediate attention to this matter and look forward to your response within the legally required 30-day period.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am writing to formally dispute the reporting of a late payment on my auto loan account ending in [ Last XXXX Digits of Account XXXX ], as well as to raise concerns about potential unauthorized access to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to accurate reporting and protection against the misuse of their credit information.

Upon reviewing my credit report, I noticed inquiries and activity tied to my auto loan that I did not authorize or fully understand. Under 1681b of the FCRA, my credit report may only be accessed for permissible purposes, such as credit applications or account management and only with my explicit consent. Any inquiry or sharing of my credit information beyond these legal boundaries constitutes a violation of my rights.

Given these potential violations, I am requesting that the late payment associated with my auto loan be removed as part of resolving this issue. The presence of unauthorized inquiries and potential misuse of my report calls into question the accuracy and fairness of the late payment reporting.

I kindly request that you : 1. Investigate all credit inquiries related to my auto loan account and provide documented proof of my consent.

2. Remove the late payment from my credit report, as the improper handling of my credit information undermines the validity of this negative mark.

3. Confirm the removal in writing and provide assurance that my credit information is now handled in full compliance with the FCRA.

If this issue is not resolved promptly, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for willful noncompliance under 1681n of the FCRA.

I appreciate your immediate attention to this matter and look forward to your response within the legally required 30-day period.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
RADIUS GLOBAL SOLUTIONS added a collections account to my credit file that either belongs to another person, XXXX XXXX, or is fraudulent. My name is XXXX XXXX XXXX, not XXXX XXXX. I've filed disputes in the past with XXXX, XXXX, and XXXX to have these invalid names, addresses, and collections accounts removed from my credit file. However, every few months a new collection agency is allowed to add a new collections account to my credit file for the same fraudulent debt. XXXX, XXXX, and XXXX have previously removed this false identity information and collections accounts but continue to allow the same or similar information to reappear on my credit file.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Dear CFPB Complaint Department, I am filing a formal complaint against XXXX and Comenity Bank/Express for violating the Fair Credit Reporting Act ( FCRA ) and California XXXX XXXX XXXX by inaccurately reporting and unlawfully updating a charged-off account ( Account ending in XXXX ) on my credit report. 

Nature of the Complaint : XXXX is allowing Comenity Bank to update an account they no longer own. 

According to my credit report, Comenity Bank sold or transferred this account, meaning they no longer have the right to update it under FCRA 1681s-2 ( b ). 
Despite this, Comenity Bank continues to modify the accounts status, which is misleading and deceptive. 
XXXX has failed to conduct a proper investigation. 

Under FCRA 1681i ( a ), XXXX is required to investigate and correct inaccurate information. Instead, they continue to allow contradictory payment details to remain on my report : The Date of Last Payment is listed as both XX/XX/year> and XX/XX/year>, demonstrating clear inconsistency. 
The Actual Payment Amount is falsely reported as {$0.00}, despite recorded payments. 
Potential Unfair Re-Aging of Debt. 

If Comenity Bank is modifying this account after transferring it, this could be an attempt to re-age the debt to extend its negative impact on my credit report, which violates FCRA 1681s-2 ( a ) ( 1 ) ( A ). 
Violations of California Consumer Protection Laws : California XXXX XXXX XXXX ( a ) prohibits furnishers from reporting inaccurate or misleading information to credit bureaus. 

California XXXX XXXX XXXX sets a four-year statute of limitations on most debts, yet XXXX Banks continued updates XXXX be unlawfully extending the reporting period. 
Relief Sought : I request the CFPB to investigate XXXX and Comenity Bank for these violations and require : Immediate deletion of this inaccurate and improperly updated account. 
A full explanation from XXXX on what verification method/documents were used to justify continued reporting. 
A review of XXXX compliance with FCRAs dispute investigation requirements. 
I have previously disputed this matter with XXXX, and they have failed to correct it. I request the CFPBs intervention to ensure compliance with federal and state laws. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief