vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXXXXXX # XXXX - Opened on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to bring to your attention some discrepancies I have identified on my credit report. 

Upon reviewing my report, I noticed inaccuracies related to late payments. These entries are incorrect and are negatively impacting my credit profile. 

I kindly request that you take the necessary steps to rectify these errors promptly. Please correct, modify, or delete the inaccurate late payments from my credit report. 

Below, I have provided details of the discrepancies : ================ XXXXXXXX XXXX  Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late ============ KOHLS/CAPONE, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late ============== XXXX XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late ================ XXXX XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MOHELA
State: TX

Complaint narrative:
Mohela 's inadequate communication with me had led my credit score to drop significantly by XXXX points. Essentially, my account was with XXXX. However, they moved it over to Mohela, and Mohela did not communicate with me before reporting a late payment on my credit as " delinquent. '' I am in the process of purchasing a home. However, with this drop in credit, it will hinder my progress, and probably cost me thousands of dollars!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NC

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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
Harris and Harris doesn't seem to be a legit company. I tried contacting them several times at the number listed XXXX. This is the number that is listed on my credit report for this dept collector. I do not owe the amount listed below {$120.00} to whom ever this is. This needs to be removed from my account. The amount is not a lot of funds, if it belonged to me. I'm sure I would have paid it but this is not mine and I've never heard of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
Subject : Demand for Method of Verification Under FCRA & State Law To Whom It May Concern, I am writing in reference to my previous dispute regarding fraudulent accounts that remain on my credit report despite my submission of an FTC Identity Theft Report and supporting documentation. Your response stated that these accounts were " verified, '' yet you have failed to provide proper verification as required by federal and state law.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ( FCRA Section 611 ), you are required to provide a " description of the procedure used to determine the accuracy and completeness of the information. '' Your response has failed to satisfy this legal requirement. Therefore, I demand that you provide : The name and contact information of the party who verified the disputed account.

A copy of the actual documents used to verify the accuracy of the disputed account.

The specific method and procedures used during the verification process.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( FCRA Section 623 ), furnishers of information must ensure that the information they report is accurate. If the furnisher can not provide proper documentation proving the legitimacy of this account, it must be removed immediately.

Additionally, under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ), credit reporting agencies must maintain maximum possible accuracy in credit reports. If you can not demonstrate that this account was verified with proper documentation, you are in direct violation of federal law. 
XXXX. Account Name : XXXX Account Number : XXXX violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ). PLEASE DELETE. 
XXXX. Account Name : XXXX Account Number : XXXX violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ). PLEASE DELETE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: MS

Complaint narrative:
Experience has failed to Fulfill as legal obligations Under fair credit reporting act ( FCRA ) To conduct a reinvestigation Oh disputed information On my credit report Leaving inaccurate or unverifiable Accounts unresolved. The Customer financial protection bureau Has recently filed a lawsuit against experience Alleging systematic issues Such as failing to forward customer Private evidence to Furniture is accepting unreliable Responses And failing to adequately notify Customers of disputed responses. These failures align with my experience Work experience has neither corrected nor removed The disputed items despite the evidence I have provided Causing ongoing harm to microwave standing. I'm requesting immediate corrective action to remove XXXX disputed accounts As experience in action violates federal law And my right to ask a customer.

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 2025-02-11 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: TX

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 claim 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 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : Account Name : XXXX XXXX Account Number : XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX Account XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on 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 2025-02-11 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: CA

Complaint narrative:
Subject : Demand for Method of Verification Under FCRA & State Law To Whom It May Concern, I am writing in reference to my previous dispute regarding fraudulent accounts that remain on my credit report despite my submission of an FTC Identity Theft Report and supporting documentation. Your response stated that these accounts were " verified, '' yet you have failed to provide proper verification as required by federal and state law.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ( FCRA Section 611 ), you are required to provide a " description of the procedure used to determine the accuracy and completeness of the information. '' Your response has failed to satisfy this legal requirement. Therefore, I demand that you provide : The name and contact information of the party who verified the disputed account. 
A copy of the actual documents used to verify the accuracy of the disputed account. 
The specific method and procedures used during the verification process.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( FCRA Section 623 ), furnishers of information must ensure that the information they report is accurate. If the furnisher can not provide proper documentation proving the legitimacy of this account, it must be removed immediately.

Additionally, under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ), credit reporting agencies must maintain maximum possible accuracy in credit reports. If you can not demonstrate that this account was verified with proper documentation, you are in direct violation of federal law. 
XXXX. Account Name : XXXX Account Number : XXXX violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ). PLEASE DELETE. 
XXXX. Account Name : XXXX Account Number : XXXX violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ). PLEASE DELETE.

Please consider this my request for proper verification. If I do not receive a satisfactory response within 15 days, I will escalate this matter through legal channels.

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 2025-02-11 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX  XXXX BALANCED {$270.00} XXXX XXXX BALANCED {$790.00} XXXX  XXXX BALANCED {$2200.00} XXXX XXXX XXXX XXXX BALANCED {$33000.00} XXXX XXXX BALANCED {$3600.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX  XXXX XXXX BALANCED {$810.00} These ITEMS have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2025-02-11 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: MI

Complaint narrative:
Subject : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint to dispute the inaccurate reporting of a collection account on my credit reports from Experian, Equifax, and TransUnion. The collection agency has failed to comply with federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code ( IRC ) 6050P, regarding the reporting and validation of this debt. 

Key Issues : Failure to Provide Accurate and Complete Information : The collection account in question was purchased by a third-party debt collector. 
The reported status and balance are incorrect and misleading. 
The collection agency has not disclosed how much they paid for the debt, which affects the accuracy of the reported amount. 
The account was settled for less than the original balance, yet the reported amount does not reflect this. 
Failure to Issue IRS Form 1099-C ( Cancellation of Debt ) : If a debt is canceled or forgiven for an amount of {$600.00} or more, the collection agency is required by law to issue a 1099-C tax form to the debtor.

The absence of this form suggests that the debt may no longer be legally enforceable or has been misrepresented in the reporting. 
FCRA Violations Incomplete and Unverifiable Reporting : The FCRA mandates that all information reported to consumer reporting agencies must be accurate, complete, and verifiable. 
The collection agency has not provided adequate validation of the debt or proof of ownership. 
The discrepancies and inconsistencies across my credit reports raise concerns about potential identity theft and erroneous reporting.

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 2025-02-11 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: MI

Complaint narrative:
Subject : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint to dispute the inaccurate reporting of a collection account on my credit reports from Experian, Equifax, and TransUnion. The collection agency has failed to comply with federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code ( IRC ) 6050P, regarding the reporting and validation of this debt. 

Key Issues : Failure to Provide Accurate and Complete Information : The collection account in question was purchased by a third-party debt collector. 
The reported status and balance are incorrect and misleading. 
The collection agency has not disclosed how much they paid for the debt, which affects the accuracy of the reported amount. 
The account was settled for less than the original balance, yet the reported amount does not reflect this. 
Failure to Issue IRS Form 1099-C ( Cancellation of Debt ) : If a debt is canceled or forgiven for an amount of {$600.00} or more, the collection agency is required by law to issue a 1099-C tax form to the debtor.

The absence of this form suggests that the debt may no longer be legally enforceable or has been misrepresented in the reporting. 
FCRA Violations Incomplete and Unverifiable Reporting : The FCRA mandates that all information reported to consumer reporting agencies must be accurate, complete, and verifiable. 
The collection agency has not provided adequate validation of the debt or proof of ownership. 
The discrepancies and inconsistencies across my credit reports raise concerns about potential identity theft and erroneous reporting.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: SC

Complaint narrative:
Could not speak to a live person who problem was creating transferring funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today, I was alarmed to see incorrect accounts appear on my credit report without explanation. I review my report regularly, but this time, I encountered unexpected discrepancies. Hoping it was just a system error, I refreshed my browser, but the inaccuracies persisted. Therefore, I am requesting a thorough examination of the documents I have provided so that I can put this concern behind me for good.

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