vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Benht: Economic Development Corporation
State: CO

Complaint narrative:
Starting XX/XX/2025 I started receiving random texts from XXXX XXXX. Text number XXXX. First saying I was approved for a loan in the amount {$2800.00} and that the funds had been sent. Then on XX/XX/2025 I got text message saying my payment had been missed. However, I never had any contact with this company, applied for a loan or signed anything. I never clicked on any of the links in the text messages nor did I respond in any way. I did call them on XX/XX/2025 to let them know this. They tried getting my personal information but I refused to provide it. At that time I told them this was a scam. Then on XX/XX/XXXX someone called me. I told them again this is a scam. I never applied for a loan nor did I agree to anything. The lady on the phone asked if I wanted to talk to the fraud department. I said yes. She put me on hold and came back and said they were in a meeting and did I want someone to call me back. I said yes but I have not been called. I have checked all my accounts and I never received any money. In addition I have checked my credit and this company never pulled credit on me. So either this company did a very poor job at confirming it was me because I never responded to any of texts nor did they pull credit or this is scam. Either way this needs to be investigated. Im including the text messages I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: Lentegrity Management, LLC
State: NC

Complaint narrative:
i have multiple inquiries on my credit report that were made from XXXX - XXXX that i had no clue about until i checked

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year>, I was scammed out of {$3200.00} through fraudulent activity involving my Capital One account. The scammers initially gained access to my familys social media accounts and phone information and used that to manipulate me into using an app called XXXX to transfer the money, under false pretenses. 

As soon as I realized I had been scammed, I took immediate action by reporting it to Capital One on the same day, XX/XX/XXXX. However, I was out of town and had to wait until XX/XX/XXXX to file a police report. 

When I called XXXX and XXXX XXXX to try to resolve the situation, they instructed me to delete some evidence for security reasons. Specifically, XXXX XXXX recommended I clear certain data, and XXXX advised me to clean my device as well. When I went to the bank to report the scam, the bank representative also suggested I clean my device, which unfortunately led to the loss of some evidence. 

Despite this, I filed a dispute with Capital One on XX/XX/year>, expecting protection under their fraud and chargeback policies. However, my claim was denied on XX/XX/year>, with the reason provided being lack of evidence. I understand that some evidence was deleted on the advice of support staff, but I still have ample documentation to prove the fraud, including my police report and communication with XXXX and XXXX. 

I believe this decision is unfair, as these were unauthorized/fraudulent transactions, and I have done everything in my power to resolve the situation. I am requesting that Capital One properly investigate my case and return the {$3200.00} that was wrongfully taken from my account. 

Steps Taken So Far : Reported the fraud to Capital One on XX/XX/year>. 
Submitted all necessary documentation and evidence, though some evidence was deleted at the advice of XXXX and XXXX support. 
Contacted customer service to appeal the denial. 
Filed a police report on XX/XX/year>, after returning from out of town.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser to see if it was a temporary glitch, but the inaccuracies remained. Due to this issue, I kindly request a thorough review of the documents Ive submitted so I can put this concern behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
Dear CFPB Representative, I am submitting this response regarding my complaint against TransUnion, and Equifax.

These credit bureaus have already completed their investigation and provided a final decision through their dispute portals. However, they are now requesting more time on CFPB, which appears to be a stalling tactic.

This delay and refusal to provide direct verification is unnecessary because : 1. **XXXX has already deleted the bankruptcy**, meaning they could not verify it.

TransUnion and Equifax should follow suit.

2. **TransUnion has already completed its investigation** and claimed verification, yet it has not provided details of its verification process.

3. **Equifax relies on XXXX XXXX which has been unresponsive and does not directly obtain records from bankruptcy courts. 
4. **If XXXX could not verify and deleted the bankruptcy, TransUnion and Equifax should not be able to verify it either. ** # # # Attached Evidence : - **TransUnion 's response letter confirming their investigation is complete. ** - **Investigation results from TransUnion showing the bankruptcy was 'verified '. ** - **Equifax 's response showing verification through XXXX XXXX rather than an original source. ** I appreciate your prompt attention to this matter and look forward to a fair resolution. 
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 non-monetary relief
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-03-12 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding credit request that I didnt authorize Im very concerned with the handling disputes and fraud using my identity numerous of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am writing to dispute certain negative items that appear on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. Under law 15USC 1681i ( a ) 1 15USC 1681 ( a ) 6 ( B ) 3 15USC 1681i ( a ) ( 5 ) B Upon reviewing my credit report, I have identified the following inaccurate negative entries 1 ) US BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate these items and remove them if they can not be verified as accurate as required by FCRA. Furthermore, recent legal actions involving XXXX raise significant concerns about the reporting practices that impact consumers ' credit scores.

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 2025-03-12 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: NC

Complaint narrative:
On XX/XX/XXXX I submitted a dispute request from Experian, Trans Union and Equifax to verify the accounts listed on my credit reports and if they couldnt be verified to have them removed. Consumer finance protection bureau, then sued the three listed companies because they never actually verified the accounts. I am requesting a resolution, and that is to have the accounts removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
On XX/XX/XXXX I submitted a dispute request from Experian, Trans Union and Equifax to verify the accounts listed on my credit reports and if they couldnt be verified to have them removed. Consumer finance protection bureau, then sued the three listed companies because they never actually verified the accounts. I am requesting a resolution, and that is to have the accounts removed from my credit report immediately.

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 2025-03-12 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Incorrect Late Payment on Credit Report Dear Equifax, I am writing to dispute an incorrect late payment that is being reported on my credit file. I have reviewed my credit report and noticed a late payment entry for the account with XXXX XXXX XXXX. The account details are as follows : Company Name : XXXX XXXX XXXX Account Number : XXXX This entry is erroneous, as I have never been late on this account. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my credit information. Under 15 USC 166B, I am requesting that you remove the inaccurate late payment from my credit report and update the account to reflect my accurate payment history. 

Please conduct a thorough investigation into this issue and remove the incorrect late payment from my credit file. I appreciate your prompt attention to this matter and request confirmation of the removal. 

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I am writing expressing Experian has failed to fulfill its legal obligations 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 disputes 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 Experians 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Requested a validation of debt and have not received anything back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: WA

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 Protections 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 disputed items dispite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or ammend the disputed accounts, as Experian 's 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 2025-03-12 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: CA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and am unaware of their origins. In compliance with USC 1681g, I am formally asking for their removal within 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I filed a dispute with Experian and equifax due to identity theft. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information. failure to notify consumer of dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I'm requesting these derogatory remarks be removed or corrected immediately as it's affecting my chances of getting a new car and place to live. Experian violates my rights 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