vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-23 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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, Equifax '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 the account is accurate, without croviding 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, Equifax '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 ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a complaint against Capital One. Regarding the deceptive practices related to their XXXXXXXX XXXX XXXX, saving account capital. One misrepresented the XXXX savings account as having XXXX of the nation 's highest interest rates yet failed to notify account holders about the superior rates offered by the XXXX performance savings account did deliberately obscruny and lack of transparency violated XXXX and resulted in significant financial losses for many breaching the consumer financial protection. And the truth in savings app, I seek redress for the mislead practices and failure to fulfill their XXXX promises

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have file many disputes with XXXX & Experian & my credit have not changed or they have not got back to me

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 2025-01-23 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: IL

Complaint narrative:
I am writing to formally submit a complaint against TransUnion for its failure to address inaccuracies in my credit file, including unauthorized hard inquiries. Despite my repeated attempts to resolve these issues directly with TransUnion, the company has not complied with its obligations under the Fair Credit Reporting Act ( FCRA ) to investigate and correct errors in a timely and reasonable manner. 

Specifically, my concerns are as follows : Inaccuracies in My Credit File : My credit report contains incorrect information that I have disputed multiple times with TransUnion. These inaccuracies negatively impact my credit score and financial standing. Despite providing supporting documentation, TransUnion has failed to take corrective action or provide adequate explanations for its inaction. 
Unauthorized XXXX Inquiries : My credit report includes hard inquiries that I did not authorize. These inquiries remain on my file despite my disputes and requests for their removal, accompanied by evidence of their unauthorized nature. 
Failure to Investigate Disputes : TransUnions refusal to conduct reasonable investigations into my disputes or to provide clear resolutions is a direct violation of the FCRA and has caused significant harm to my financial well-being. 
TransUnions inaction has resulted in financial and emotional distress, including difficulty obtaining credit on fair terms and unwarranted damage to my credit score. These practices undermine consumer confidence and violate the rights guaranteed under federal law. 

I am requesting that the CFPB : Investigate TransUnions handling of my credit file disputes, including the unauthorized hard inquiries and other inaccuracies. 
Ensure that TransUnion complies with its legal obligations under the FCRA to promptly and thoroughly investigate and correct errors in consumer reports. 
Take enforcement action if TransUnions practices are found to be in continued violation of consumer rights. 
Thank you for your attention to this matter. I trust that the CFPB will act decisively to protect consumers like me from TransUnions harmful and unlawful practices. Please feel free to contact me for further information or documentation regarding my disputes.

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 2025-01-23 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: PA

Complaint narrative:
Today, I was surprised to see incorrect accounts on my credit report, and I have no idea where they came from. I always check my report, but this time I noticed unexpected inconsistencies. I attempted to refresh my browser to rule out a technical glitch, but the inaccuracies remained. Therefore, I am asking for a detailed review of my submitted documents to prevent this issue from recurring.

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 2025-01-23 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XXXX XXXX This case should not have been closed because the issue has not been resolved. 

After reading the " companies '' response, information that I provided was taken out of context and out of order. Claim amounts were incorrect, there was not XXXX claim for a lump sum as the company referred to in their response. The only correct information in their response was the account numbers and check amounts issued when they closed our accounts in XX/XX/year> ( without our knowledge ) when this XXXX XXXX XXXX  began. 

I have since tried unsuccessfully to reach out to the management office and the number routes me to a general recording suggesting I call the number referred to on my statements which is completely worthless since I no longer have open accounts or receive statements. 

I am once again requesting assistance with my original case/claim to try and resolve this blatant XXXX XXXX XXXX I want our money returned. The evidence is very clear as to when and where funds were stolen and where the funds were transferred to. 

I have a case number with the management office within Chase but have no way to enter it over the phone. My intention is to respond via email again, however, they claim they did not receive the requested information I originally provided in attachments. My concern grows as now I have no way of knowing where the information I've provided has gone or whose possession its in. 

Please review this issue and provide me with the necessary steps I need to take in order to resolve this case. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
What Happened : I requested North State Acceptance provide accurate documentation for Account # XXXX, including auction proceeds for a repossessed vehicle. Initially, they refused, claiming they could not disclose this information. After filing a complaint, they provided a document with unexplained and unclear numbers, making it impossible to verify how proceeds were applied. Their inconsistent statements and lack of transparency raise concerns about compliance with the FCRA and CFPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
Between XX/XX/XXXX and XX/XX/XXXX, XXXX, XXXX, and Experian have all reported negative items of accounts that doesn't belong to me nor bare my signature. I've filed police reports regarding these issues and submitted them to both the consumer agencies and the companies that have reported to the consumer agencies. 

Experian has removed, but since reported again the same accounts in question.

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 2025-01-23 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: MI

Complaint narrative:
XXXX. 
I discovered that I was affected by the Equifax data breach after entering my name and Social Security number into their verification tool. Although I was unaware of the breach at the time, I noticed unusual activity on my credit profile, which led me to discover I was a XXXX XXXX XXXX XXXX. 

I experienced multiple fraudulent attempts on my credit accounts, which included unauthorized applications for credit and unexplained inquiries. At the time, I reported this activity to all three credit bureaus ( Equifax, XXXX, and XXXX ), but I was unaware that the Equifax data breach may have caused this issue. 

Unfortunately, I missed the claim deadlines for the Equifax XXXX XXXX XXXX, as I was unaware of the settlement and its connection to my case until recently. I still want to ensure that my concerns are addressed and be considered for any future or ongoing settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
I want reported accounts to be removed. 

XXXX XXXX, {$2700.00}, mailed to dispute offset report due to paid balance, company emailed me stating it was received a letter by me but dont know if its me. 

XX/XX/XXXX, {$14000.00}, mailed to dispute offset report due to paid balance, company emailed me stating it was received a letter by me but dont know if its me. 

XX/XX/XXXX, XXXX, {$2400.00}, mailed to dispute offset report due to paid balance, company emailed me stating it was received a letter by me but dont know if its me. 

XX/XX/XXXX, XXXX XXXX XXXX XXXX, mailed to dispute offset report due to paid balance, company emailed me stating it was received a letter by me but dont know if its me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MS

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information 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 furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience of which Experian has neither corrected nor removed disputed items despite the evidence provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Experians inactions 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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2025-01-23 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: FL

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. 
XXXX XXXX XXXX : XXXX, XXXX XXXX, XXXX XX/XX/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 2025-01-23 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:
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. 
XXXX XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: IN

Complaint narrative:
I've called and tried to submit disputes on my credit reporting for them to delete hard inquiries that I did not request credit cards. And they quickly responded. We can't delete hard inquiries. No investigation or nothing. I did not apply for those credit cards so they should be deleted off my hard inquiries per federal law. I've been dealing with this for a few months now. They should have been deleted a long time ago per federal 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 explanation
Consumer complaint received 2025-01-23 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: IN

Complaint narrative:
I've called and tried to submit disputes on my credit reporting for them to delete hard inquiries that I did not request credit cards. And they quickly responded. We can't delete hard inquiries. No investigation or nothing. I did not apply for those credit cards so they should be deleted off my hard inquiries per federal law. I've been dealing with this for a few months now. They should have been deleted a long time ago per federal law.

Company response to consumer: Closed with explanation