vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau, I am filing this complaint regarding inaccurate items reported on my credit file by Equifax. At the beginning of XX/XX/year>, I discovered that I was a victim of identity theft. On XXXX, 2024, I filed an FTC Identity Theft Report to document the fraudulent activity. Subsequently, on XX/XX/year>, I created multiple disputes with Equifax under the identity theft reporting process, providing all necessary supporting documentation. 

Despite these efforts, the inaccurate items remain unresolved. The credit reporting agency has failed to act in compliance with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 605B, credit reporting agencies are required to block information resulting from identity theft within 4 business days after receiving proof of identity theft. Additionally, the FCRA mandates that credit reporting agencies must either verify disputed information as accurate or remove it promptly if they can not substantiate it. As of XX/XX/year> Equifax has failed to comply with these requirements. 

This delay is causing undue hardship and potential harm to my creditworthiness. I am seeking your assistance in holding Equifax accountable for their noncompliance with federal law. Specifically, I request that the inaccurate items on my credit report be removed immediately and that Equifax comply with the FCRAs requirements to address disputes and identity theft claims promptly. 

Thank you for your time and attention to this matter. Please let me know if additional details or documentation are required to assist in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I submitted this complaint prior and capital one sent me a letter stating that the account was put on a cease and desist status. They currently have a lawsuit against in civil court at XXXX XXXX in NY. They have not informed their attorneys about the cease and desist status and the attorney is pushing for a trail date. Capital one violated the FDCPA and did not provide XXXX percent accurate information. When I sent them letters to validate the debt and send me documentation support the final balance based off the charge off ( tax credits ) and back end accounting ( sold debt as securities and profited ) they only provided credit card statements. How can they say I owe them more than XXXX dollars on money they didnt even loan me. They cant lend their own money! Its against banking law. They are fully aware they cant and wont provide this documentation because they have a billing error and are trying to profit multiple times on this account. They need to inform their attorney that the account is in a cease and desist status. Drop the lawsuit! You violated the FDCPA and are not XXXX percent accurate with your biking and account you provide to me. This is a billing error and your must cease and desist. Dont just send me a letter saying the account is in that status. Actually do it and inform your attorney not to peruse the lawsuit as they represent capital one and you would be contradicting what the letter says and the status of the account! Tell them to cease and desist!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: AL

Complaint narrative:
Upon reviewing my credit report, I have identified the following are inaccurate : Inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Account Name : XXXX XXXX Account Number : XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$910.00} Account Name : XXXX Account Number : XXXX Balance : {$5600.00}

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 2025-01-09 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: AL

Complaint narrative:
Upon reviewing my credit report, I have identified the following are inaccurate : Inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX Account Number : XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$910.00} Account Name : XXXX Account Number : XXXX Balance : {$5600.00}

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently review my credit report I was shocked to see that I have been a victim of identity theft. I found a closed accounts on my credit report that was not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent closed account from my credit report as soon as possible. Here is the accounts XXXX XX/XX/year>, Date open XX/XX/year>, Account number XXXX, Account balance {$160.00}. 
Please remove this fraudulent closed account from my credit report. I am also attaching copy of my driver license, social security, utility bill and identity theft report. 

Thank you in advance.

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 2025-01-10 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very upset. My credit report contains inaccuracies and incomplete information. My request to correct this information keeps getting disregarded and my credit score is unfairly affected.

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 2025-01-09 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: AL

Complaint narrative:
I received a copy of my credit report and i noticed an account on my report with a late payment. Under the FCRA, the CRAs are legally required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer credit reports. 

15 U.S.C 1681 ( E ) ( 5 ) Accuracy of Report, states that whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure maximum possible accuracy of information concerning the Individual about whom the report relates.

That being said, 15 U.S.C 1681 ( a ) ( 2 ) ( A ) ( i ) under the Exclusions clause states that, the term " consumer report '' does not include... any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Congress concluded that transactions and experiences are not part of a consumer report. Late payments, charge-offs, and collections are transactions because they involve deferred payments, and utilization referring to a credit account is an experience created by credit usage. This is not a request for verification. It is precisely clear by the language enacted, that congress did not intend for a consumers payment history and account balance information to be included within a consumers report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Complaint Against Experian for XXXX XXXX XXXX XXXX XXXX XXXX, Inaccurate Reporting, and Violations of FCRA & CFPB Guidelines Complaint Summary : I am filing this complaint against Experian for continuously verifying inaccurate information on my credit report despite multiple disputes and requests for a Method of Verification ( MOV ) as required under the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines. 

I have provided Experian with detailed disputes regarding inaccuracies related to accounts discharged in XXXX, inaccurate charge-offs, and duplicate reporting of delinquencies. Despite these disputes, Experian has : 1. Failed to conduct a proper reinvestigation as required under FCRA Section 611.

2. Failed to provide a clear and complete Method of Verification ( MOV ) as required. 
3. Continuously verified inaccurate information without proper validation.

4. Failed to manually review the accounts upon request.

Specific Issues : 1. Misreporting of Accounts XXXX : Accounts that were included in my bankruptcy have continued to report inaccurate balances, charge-offs, and late payments post-discharge, which is a clear violation of the FCRA. This includes accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
2. Failure to Provide MOV : I have submitted multiple requests for Method of Verification ( MOV ) to Experian, specifically requesting a manual review of the disputed accounts and documentation to support the continued reporting. Experian has failed to provide this information.

3. Auto-Verification without Investigation : Experian continues to auto-verify information from creditors, without performing a manual review of the documents or providing proper validation. This suggests a sham investigation, similar to recent CFPB lawsuits against credit bureaus for violations of FCRA and inaccurate reporting practices. 

Violation of Rights : Under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, Experian is obligated to : Conduct a reasonable reinvestigation within 30 days of receiving a dispute.

Provide a Method of Verification ( MOV ) to the consumer when requested. 
Correct or delete inaccurate information. 

Evidence Included : XXXX XXXX XXXX from Experian showing discrepancies and continued misreporting. 
XXXX. Method of XXXX ( MOV ) requests sent to Experian ( dated and documented ). 
XXXX. Correspondence with creditors and proof of bankruptcy discharge. 
XXXX. Court documents indicating that bankruptcy courts do not report to credit bureaus. 
XXXX. SEC filings indicating that some debts XXXX have been securitized and sold, meaning the reporting creditor no longer owns the debt.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have 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 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 2025-01-10 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: FL

Complaint narrative:
I am writing to file a formal complaint against Experian for their failure to conduct proper investigations into errors on my consumer credit report. Despite providing Experian with identity theft affidavits, fraudulent charges and loans continue to reappear on my credit report, causing significant harm to my financial well-being. I have reported this identity theft to the appropriate authorities, placed a fraud alert on my credit reports, and made repeated attempts to resolve these issues directly with both the creditors and Experian. Yet, Experian persists in reporting these erroneous items, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ) XXXXhis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. & 168c-2 ) that you, The Experian 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. I am writing to file a complaint against Experian for their continued reporting of fraudulent charges and loans on my credit report, despite being provided with identity theft affidavits. Creditors : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, were all removed from my report and then less than a month later, all were placed back on my report. I did not authorize these charge accounts or loans, nor did I receive any benefit from it. As a victim of identity theft, I have reported this crime to the appropriate authorities and placed a fraud alert on my credit reports. Actions Taken : I Provided identity theft affidavit to the cfpb and requested removal of fraudulent accounts. Despite my repeated attempts to resolve these issues directly with the creditors and credit bureau Experian, they continue to report these erroneous items to Experian, causing significant harm to my credit score and financial well-being. I am writing to file a formal complaint because despite providing you with an identity theft affidavit, They continue to assert that I received or used the credit card to purchase goods. I reiterate that I did not authorize these transactions, nor did I receive any goods or services from them. As a victim of identity theft, I have taken all necessary steps to report this crime, including filing a police report and placing a fraud alert on my credit reports.

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 2025-01-10 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian 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 2025-01-10 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:
This morning, I discovered an unauthorized inquiry on my credit report, which came as a complete surprise. While checking my credit report, as I usually do, I found discrepancies that were not there before. I attempted to refresh the page, hoping it was a technical error, but nothing changed. I need this issue addressed immediately, and I urge you to review the documents I've sent carefully to resolve it once and for all.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Its absolutely ridiculous that this issue is still unresolved. Ive been trying to get these pending litigation accounts removed from my credit report for months. Ive contacted you more times than I can count, and each time, XXXXm left without a solution. These accounts are completely inaccurate and damaging my credit score, and Im done waiting for someone to fix this

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 2025-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One approved me for a Neiman marcus credit card with a limit of {$1000.00}. They have since restricted my card for no reason at all stating that I need to send 3 months worth of bank statements with none of my information redacted. This has put me under a lot of stress and duress as it is illegal for a creditor to discriminate based on Sex ( sexual orientation & gender identity ), Race or Color. I have been already approved for the accounts that I've mention above by their underwriting standards. The 14th Amendment provides, in part that no state can " deny to any person within its jurisdiction the equal protection of the laws. This company is violating my consumer rights. The Truth In Lending Act 1968 15 U.S.C. CH. 41 1601

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
After the new year, Santander Consumer USA outsourced its billing department to XXXX. I went to pay by my checking account to not incur fees and they claimed my account, which I have been paying on this car for over a year, is not valid. The only options offered by Santander AND XXXX  are in XXXX. After lengthy phone conservation with both, neither had an option without paying service fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX [ Credit Reporting Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Subject : Dispute of Fraudulent Account on Credit Report To Whom It May Concern, I am writing to formally dispute an account listed on my credit report as it is fraudulent and was not authorized by me. I believe my personal information may have been compromised due to a data breach, leading to unauthorized and inaccurate information on my credit report. Below are the details of the disputed account : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Account Type : Collection Account Account Status : In Collections Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Amounts : Original Amount : {$730.00} Current Balance : {$730.00} Amount Past Due : {$730.00} The account in question is not mine, and I did not authorize this transaction or any associated activity. This unauthorized account has caused harm to my credit standing and is inaccurate. I kindly request that this account be removed from my credit report immediately to correct this error. 

Enclosed with this letter, I have included the following documents for your reference : A copy of my credit report highlighting the disputed account. 

A copy of my government-issued ID for verification purposes. 

Any supporting documentation proving this account is fraudulent ( e.g., police report, identity theft affidavit, etc. ). 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. Please investigate this matter and remove the fraudulent account promptly. I request written confirmation of your actions regarding this dispute. 

If you need further information or have questions, please contact me at XXXX or XXXX. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : 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