vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear CFPB Team, I am writing to formally request your assistance in removing fraudulent accounts from my credit report that were opened and/or incurred as a result of my experience as a victim of XXXX XXXX. During the time I was under duress, I had no control over my personal information, including my financial records. Several accounts were fraudulently opened and misused without my consent, leading to significant harm to my credit profile. This request was sent to the credit agencies and they have failed to honor my request which is a direct violation of 15 U.S.C. 1681c3.

The attached documentation provides evidence of my situation and supports my request for the removal of these accounts in accordance with the protections offered to human trafficking survivors under the XXXX XXXX Survivors Relief Act and the Debt Bondage Repair Act. These laws empower survivors to repair their financial standing by allowing the removal of adverse credit information directly linked to their exploitation. 

The following accounts are directly associated with my trafficking situation and require removal : XXXX. XXXX XXXX XXXX / XXXX [ Result of HT ] XXXX. XXXX XXXX XXXX XXXX  / XXXX [ Result of HT ] XXXX. XXXX XXXX XXXX / XXXX [ Result of HT ] XXXX. XXXX XXXX XXXX XXXX  / XXXX [ Result of HT ] XXXX. XXXX XXXX/ XXXX [ Result of HT ] XXXX. XXXX XXXX/ XXXX [ Result of HT ] XXXX. XXXX XXXX XXXX XXXX  / XXXX [ Result of HT ] XXXX. XXXX XXXX XXXX/ XXXX [ Result of HT ] XXXX. Pennsylvania XXXX XXXX XXXX XXXX ( XXXX )/ XXXX [ Result of HT ] Attached Documentation : 1. A self-attestation letter outlining my experience and detailing the impact on my financial situation.

2. A letter from Light House Advocates, confirming my involvement in a trafficking situation and supporting my claims.

The Debt Bondage Repair Act provides explicit guidance and rights for survivors of trafficking to remove fraudulent debts and credit entries resulting from their exploitation. Under these provisions, I respectfully request the removal of these accounts, and any adverse credit information associated with them from my credit file. 

This action is vital for my financial recovery and ensures that my credit report reflects my current and accurate financial circumstances. Please let me know if additional information is required to process my request. I deeply appreciate your support in resolving this matter and look forward to your response. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit 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: TN

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, trans union 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, transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Settled CAPITAL ONE Acct ending XXXX on XX/XX/year> posted to bank on XX/XX/year>. Had to pay debt collector XXXX & XXXX ( # XXXX ). XXXX amt {$3200.00} settled for {$2600.00}. Received settlement letter dated XX/XX/year> from the collecting attorneys XXXX XXXX XXXX showing XXXX balance. We've attempted to obtain the XXXX balance settlement letter from CAPITAL ONE at least XXXX times and each time they keep referring us to the collecting atttys. WE HAVE TO HAVE THE ONE COME DIRECTLY FROM CAPITAL ONE. We're trying to move as we lost our home during HURRICANE MILTON. We can not proceed without this letter coming from Capital One per the lender of the home we are trying to obtain. Please please please help us! We don't know what else to do. NO ONE IS WILLING TO HELP- EVERY PERSON WE'VE SPOKEN TO AT CAPITAL ONE DIRECTS US BACK TO THE DEBT COLLECTOR ATTORNEYS. We're frustrated and are still living in a home that has no flooring and a tarp on the roof so when it rains it pours into the home. There is no reason as to why they haven't been able to send the letter to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MS

Complaint narrative:
On [ XX/XX/XXXX ], I contacted LEXIS-NEXIS to request an update on the status of the dispute I mailed in earlier this month [ XX/XX/XXXX ] regarding incorrect email addresses, outdated mailing addresses, and auto claims on my report. When I spoke with the agent, I informed him of my request, and he proceeded to verify my identity by asking the standard list of questions about my personal information. Unfortunately, my verification failed, as it has consistently since last year. As a result, I was asked to provide my picture ID, which I have done previously and didnt mind doing. In the past, when I provided my ID, the agent was able to view it immediately and then assist me with any questions or proceed with a verbal dispute. However, this time, the agent explained that the system was the reason my verification was failing and, when I requested escalation or a review, he told me there was nothing to escalate or review because it was an issue with the system. Additionally, I was told that I would need to wait 24 hours for the system to review my ID before I could call back for assistance due to a recent system update. As a result, I was unable to receive any help or assistance with the dispute I mailed in earlier this month.

It is important to note that LEXIS-NEXIS is a major supplier of consumer data used by a variety of financial institutions and companies. This data, which includes information about consumers financial history, addresses, and auto claims, is relied upon by lenders, insurance companies, and other entities to determine the interest rates and premiums charged to consumers. As such, any inaccuracies or delays in resolving disputes regarding this data can have significant financial consequences, including increased interest rates and higher auto insurance premiums. The ongoing issues with verifying my identity and the failure to correct the inaccuracies on my report have resulted in financial hardship, and I believe this underscores the importance of accurate and timely resolution of disputes to avoid unfair financial burdens on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint against Equifax ( XXXX ) for civil negligence and noncompliance with their obligations under the Fair Credit Reporting Act ( FCRA ). Equifax has failed to accurately report information on my credit report and has improperly handled disputes I have submitted. Despite my repeated efforts to address these issues, Equifax has not corrected the erroneous information or conducted the proper investigations required by law. 

The specific issues I have encountered are as follows : 1. Inaccurate Reporting of Late PaymentsEquifax is inaccurately reporting five late payments on my credit report. I have disputed these inaccuracies a total of seven times. Despite providing evidence to support my claims, Equifax has failed to correct these errors.

2. Unauthorized Hard InquiriesEquifax is also reporting 11 hard inquiries on my credit report that I did not authorize. I have disputed these unauthorized inquiries seven times as well. Despite my disputes, these inquiries remain on my report. 

3. Improper Handling of DisputesI filed three disputes on XX/XX/year>, XXXX dispute on XX/XX/year>, and XXXX disputes on XX/XX/year>. In each case, Equifax opened and closed my disputes within 24 hours without adequately investigating or resolving the issues. This behavior indicates a failure to conduct a reasonable investigation, which is a clear violation of the FCRA. 

XXXX repeated failure to address these issues has caused significant harm to my creditworthiness and has adversely impacted my ability to access financial services. This pattern of noncompliance demonstrates negligence in their responsibilities as a credit reporting agency and a disregard for the protections afforded to consumers under the FCRA. 

I respectfully request that the Consumer Financial Protection Bureau take immediate action to ensure that Equifax : Conducts a thorough and fair investigation into the disputes I have filed. 

Corrects the inaccuracies on my credit report, including the removal of the five inaccurate late payments and the 11 unauthorized hard inquiries.

Provides a detailed explanation of their investigation process and findings. 

Ensures compliance with the FCRA in handling all future disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Kindly delete this unauthorized account from my credit file, as it is not related to me. I also request an investigation to resolve any other discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Several listed inquiries on my credit report that I did not authorize. I've filed a dispute with XXXX regarding these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Several listed inquiries on my credit report that I did not authorize. I've filed a dispute with XXXX regarding these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$140000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
I have no knowledge of this Company and who they are but they have Reported to the Credit agencies I have never Signed a Contract with them. Please provide my Signature and the proof of legal Contract please also provide how you have Verified this debt. this Company is violating my rights they have not provided Validation information under 12CFR 1006. ( b ) ( 5 ) yet they have placed a Collection on my consumer report recently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sunbit, Inc.
State: IN

Complaint narrative:
My personal information was involved in a data breach. I have many spam calls and reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed immediately. This is causing many difficulties in my life. *please remove all non account holding inquiries over XXXX days old * ACCOUNT XXXX SUNBIT {$5100.00} ** XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PLEASE REMOVE

Company response to consumer: Closed with explanation