vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
In XX/XX/year> I had XXXX XXXX XXXX XXXX  which put me out of work for some time. I contacted XXXXXXXX XXXX and told them my situation and they wasnt willing to pause or lower my payments. I recently checked my XXXX XXXX account and seen a company named midland credit management on my report which Ive never heard of so I found their info on google. Once I called them I then was told another company now owned my account called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To my knowledge the debt collectors are supposed to make me aware of my debt and they didnt. Second they say I owed over XXXX XXXX dollars when my credit limit was only around $ XXXX {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I deposited a check into my Capital One Savings account, they came back with a notice that the funds would slowly become available in a reasonable hold time. 

After an in-depth review of the check deposits you made on XX/XX/2025, into your account ending in XXXX, we believe theres an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. To protect you from this potential risk, weve decided to delay the availability of all or part of {$72000.00} until XX/XX/2025. 

After that they locked all my accounts and said they would not cash the check, after hours on the phone to try and understand what the challenge was, I was told to have the holder of this trust account recall the check. They were not able to do so, then Captial One said they will make the funds available in XXXX. This is excessive and unnecessary. I will say that the check was written poorly and my brother who is the trustee co-signed the check, I got approval on the ability to cash the check before opening the new checking account with Capital one from an advisor at a Captial One Location. 

XXXX, After reviewing your check deposit activity on XXXX for your account ending in XXXX, the availability of {$72000.00} has been delayed until XXXX. 

Based on confidential information, one or more of the check deposits may not be paid. 

You dont need to take any action. If the funds dont return, theyll automatically become available on XXXX. 

Here are a few other important things to know : Any interest, if applicable, will accrue normally starting the first business day after a delayed deposit posts. 
If you transferred any money or directed us to divide money between the account listed above and other Capital One accounts, we may place a hold on the money in those accounts associated with this transaction activity.

If Capital One charged you interest or fees because of this delay, youll be refunded the charges that resulted from the additional delay were imposing. 

To initiate a refund, or if you have any questions, give us a call at XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Well be happy to help you. 

My Fear is that they won't make these funds available and are basically holding my funds but also not accusing me of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, my savings and checking account were as sent into overdraft for an unauthorized charge and my account was in the negative for {$100.00}. I called the Bank Of America ACH True Fraud department and spoke with an agent who assured me that account would return back to the original balance but after calling again which was XX/XX/year>, I found out that agent lied to me because they didnt want to rectify my account as they are required to. The supervisor that I spoke to prior assured me that my account would be back to the original balance within 5 hours of that day which was XX/XX/year>. The last supervisor on XX/XX/XXXX informed that the supervisor also misinformed me about this process. The supervisor assured me 2 business days which today is the second day Monday XXXX XXXX XXXX. This company XXXX debited money out of my account on last Monday XXXX XXXX  without my authorization. XXXX tried to draw funds prior to this issue which Bank Of America returned the funds. Now Bank of America is holding my funds and giving me misinformation.

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 monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 
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 non-monetary relief
Consumer complaint received 2025-02-24 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: NH

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-24 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that remains on my credit report despite my previous request for its removal. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all reported information is accurate and must remove or correct any unverifiable or incorrect data. The following accounts are inaccurately reported on my credit profile Capital one Lvnv funding 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 2025-02-24 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: CA

Complaint narrative:
As I was in review of my credit profile I noticed that there were inquiries that are not mine.

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 2025-02-24 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information contained in my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request an investigation of inaccurate information appearing on my credit report.

The disputed information is as follows : [ Provide details of the disputed items, including account names, numbers, and the inaccuracies in question. ] Pursuant to my rights under the FCRA, I request that you investigate and correct these inaccuracies or delete the disputed information from my credit report if it can not be verified.

Additionally, I would like to raise concerns regarding the fairness and adequacy of 1681s-2 ( a ) ( 8 ) and 1681j ( a ) ( 1 ) ( A ) of the FCRA : Section 1681s-2 ( a ) ( 8 ) : This provision limits a consumers ability to dispute inaccurate information directly with data furnishers. The restriction undermines consumer rights by preventing direct engagement with entities that supply potentially erroneous data. It places undue reliance on credit reporting agencies, which may not have sufficient motivation or resources to thoroughly investigate disputes.

Section 1681j ( a ) ( 1 ) ( A ) : The fee requirement for obtaining credit reports can impose an unnecessary burden on consumers attempting to monitor their financial health. Given the significant impact that credit reports have on individuals ' economic opportunities, access to these reports should be more readily available without financial impediments. 

These statutory limitations raise questions about the fairness of the credit dispute process and the extent to which consumers can effectively ensure the accuracy of their credit reports. I urge your agency to recognize these concerns and work toward a more transparent and consumer-friendly dispute resolution process. 

In accordance with the FCRA, I expect a response within 30 days of your receipt of this letter. Please provide me with written confirmation of any corrections made or an explanation if the disputed information is verified as accurate. If you require any further information, please contact me at the details provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Inquiries in Dispute : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XX/XX/year> 2024

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 2025-02-24 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Last spring I uploaded all the documents to the Dept. of Education website for student loan forgiveness because I was a XXXX  for XXXX  years at XXXX XXXX XXXX, and then worked at a non-profit for XXXX more years. The department of education never informed my loan providers that my case was pending. I also clicked the button to put my loans in forbearance. Only to find out that neither actions were comunicated to my loan providers. When I called, the representative told me I should have never uploaded my doicuments onto their website. When you log on the website, the instructions cleary state that the information should be uploaded to them. They failed to do what they were supposed to. Then in XXXX, my loan provider said I was late and my credit score was dinged 7 times for essentially one combined loan. Therefore, my credit score went from an XXXX to a XXXX in minutes. I am in the midst of getting a home and now that has to take a back seat for another year until my credit is restored. All we have in this country is our credit score. And because of their negligence, I have to rebuild my life.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-02-24 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: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
We received a check from our church to help with damages from Hurricane Milton, We deposited the check on XX/XX/year> at Fifth Third Bank. On XX/XX/year> Fifth Third bank froze our account and said the check was fraud. We have not been given an explanation. The bank representative at the branch was rude and said we would receive an email. We never received an email. Our funds were frozen. Our church said there was nothing wrong with the check and issued another check which we deposited at a different bank. Our social security check was frozen. Our automatic car payment was returned, causing a late report. This has caused great mental anguish.

Company response to consumer: Closed with explanation