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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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

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

Company 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has numerous accounts in my credit report with inaccurate information. I have tried resolving this issue but they refuse to assist me. This has caused me to hardships in obtaining future credit cards, housing, etc. There are accounts that have been reported to have more than the amount of missed payment dates, inaccurate information. There are inquiries that are not recognized. Due to experience false reports, credit score is very low. Numerous amounts of disputes have been created and later on rejected.

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: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
I have requested that the funds in my XXXX XXXX be transferred to XXXX XXXX XXXX and yet XXXX continues to refuse to release my funds. 
I have sent messages and called customer service. 
They keep saying that assets need to be liquidated before distribution despite the fact that I have repeatedly pointed out that the requested funds have already in fact been liquidated. 
Their customer service people can not explain why my request has not been fulfilled and they direct to submit the form again. 
At the time of this writing, my funds have been in cash earning no interest for over 2 weeks. In a bank account earning 4.65 % the interest would amount to about {$100.00}. I characterize these losses as theft by XXXX. Whether due to incompetence or malice, I am owed interest at this rate for the period before the time I liquidated my assets and requested the transfer- and the time XXXX finally deigns to accommodate my request.

Company response to consumer: Closed with explanation
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: NY

Complaint narrative:
On XX/XX/XXXX, the Bureau filed a lawsuit against Capital One, N.A., a national bank with over {$480.00} XXXX in assets, and its parent holding company, Capital One Financial Corp. ( collectively, Capital One ). Defendants are incorporated in Delaware and headquartered in Virginia. The Bureau alleges that from 2013 to 2019, Capital One represented to consumers that its 360 Savings account was a high interest account with a variable rate that was one of the nations top, best, and highest, and would earn much more interest than the average savings or money market account. The Bureau alleges that these representations were false or otherwise misleading and that from XX/XX/XXXX to at least XX/XX/XXXX, Capital One has kept the 360 Savings interest rate fixed at 0.30 %, a rate that falls far short of the level represented in its marketing. The Bureau further alleges that Capital One made representations that created the net impression that its 360 Savings product was and would be its only 360 high interest savings product with the features, terms, and conditions of 360 Savings, but in XXXX, Capital One stopped offering 360 Savings accounts to new customers and started offering a new high-interest savings product called 360 Performance Savings. This new product had all the same terms and conditions as 360 Savings accounts, and Capital One likewise marketed it as having one of the nations top savings rates. But in contrast to the 360 Savings rate, Capital One has kept the 360 Performance Savings rate at a consistently high level. In XX/XX/XXXX, the 360 Performance Savings rate was more than 14 times higher than the 360 Savings rate. Capital One did not convert 360 Savings accounts into 360 Performance Savings accounts and instead took steps to obscure from 360 Savings accountholders the fact that these were different products. The Bureau alleges that by misrepresenting the interest rate for the 360 Savings product, Capital One violated the Consumer Financial Protection Act of XXXX ( CFPA ) prohibition on deceptive acts and practices ; and Capital One, N.A. violated the Truth in Savings Act and Regulation DD. The Bureau also alleges that Capital One violated the CFPAs prohibition on deceptive acts and practices by misrepresenting that 360 Savings was and would be its only high-interest savings product and the CFPAs prohibition on abusive acts and practices by taking unreasonable advantage of 360 Savings account holders lack of understanding of the material risks and costs of the 360 Savings product. The Bureau seeks, among other things, injunctive relief to prevent future violations and monetary relief in the form of redress to consumers and the imposition of civil money penalties.

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: TX

Complaint narrative:
I recently review my credit report and noticed an account that was not reporting accurately. I had two late payments on two accounts that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts have never been late on payments. I have attached a copy of my report to this complaint on the following dates, XX/XX/year>, and XX/XX/year>. I am now requesting you investigate these accounts and update these payments to pain on time immediately. Thank you for your understanding and prompt action.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently review my credit report and noticed an account that was not reporting accurately. I had two late payments on two accounts that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts have never been late on payments. I have attached a copy of my report to this complaint on the following dates, XX/XX/year>, and XX/XX/year>. I am now requesting you investigate these accounts and update these payments to pain on time immediately. Thank you for your understanding and prompt 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 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I contacted all three credit bureaus to remove all the accounts and inquirys off of my credit reports because none of them belong to me .I disputed with no results. from all three credit bureaus.i also sent them documents that my identity was stolen and they did not remove all these things from my credit reports.i am requesting that my credit reports ..get wiped clean.from these fraudelent accounts and all the inquiries on all of 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 non-monetary relief
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: CA

Complaint narrative:
The company send information but the reporting agency did not remove it from my credit report even though its an eviction and evictions are not supposed to be reported on credit.Ive requested this over and over and it still remains.

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: CA

Complaint narrative:
I previously filed disputes with XXXX, Transunion and XXXX to investigate and remove several incorrect and fraudulent collection accounts, charged off accounts and incorrect and fraudulent late payment reports on my credit repot that is greatly impacting my credit score and nothing was done and I received no information regarding that investigations despite requesting the investigative effort reports on many different occasions.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously filed disputes with XXXX, XXXX and equifax to investigate and remove several incorrect and fraudulent collection accounts, charged off accounts and incorrect and fraudulent late payment reports on my credit repot that is greatly impacting my credit score and nothing was done and I received no information regarding that investigations despite requesting the investigative effort reports on many different occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been a victim of identity theft previously and I am a XXXXXXXX XXXX XXXX  on a fixed income!!! When I receive phone calls, texts, emails, XXXX etc. no information is given period!! I had asked XXXX XXXX  XXXX on numerous occasions through their phone calls, texts and their website to only contact me thru XXXX and to properly validate these so-called debts. They sent me back a letter stating they did not understand what I wanted when I was very clear. I then drafted a cease-and-desist letter on XX/XX/year> and requested again, as previously, proper validation on the so-called numerous debts. It was mailed certified and signature confirmation on the same date. On XX/XX/year> at approximately XXXX PM my wife received a phone call on her cell from someone from MCM. MCM was identified by caller ID. This person sounded of XXXXXXXX XXXX XXXX and projected himself, to my wife, as if I was in trouble from XXXX XXXX. He knows what this is about. My wife put him on speaker, and he repeated it making it sound like I was a criminal. I joined the conversation and told the individual I had asked them on numerous occasions to stop calling me and to validate the so-called debts. He needed to identify me by asking me questions and I told him No!!!! He said he didn't want to break no laws, but he wanted to talk to me. I told him once again No!!!!!!!! Contact only by XXXX to validate the debts. He continued, and I hung the phone up because he wouldn't stop!

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 — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Milliman, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX WAS DENIED FOR A LIFE INSURANCE POLICY VIA EVIDENCE OF INSURABILITY BY XXXX XXXX. THEY THEN STATED INFORMATION CAME FROM XXXXXXXX XXXX- WHEN REPORT WAS FINALLY SENT IT OBTAINED SEVERAL MEDICAL DIAGNOSIS AND VISITS THAT WERE NOT MINE.THE MEDICAL RELATED INCIDENTS AND VISITS WERE NOT MINE AND ARE NEGATIVELY EFFECTING MY PERSONAL LIFE. NO ONE CAN HELP US AND THIS WAS THE LINK SENT BY MILLIMAN INTELLISCRIPT WITH FALSE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile.

I believe that EXPERIAN has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act EXPERIAN has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties.

15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Full Compliance Sweep of Non-Compliant Debt Collectors Dear Experian Dispute Department, I am writing to formally request a review and compliance audit of all accounts reported on my credit file to ensure full adherence to Metro 2 standards. As you are aware, Metro 2 compliance is crucial for ensuring that all information reported to the credit bureaus is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, I am requesting a full sweep of all reported accounts to verify that the following standards are met for each tradeline : 1. Accuracy : All reported information, including account balances, payment history, status, and dates, must be accurate and verifiable.

2. Validation of Accounts : All debt collectors reporting accounts to my file must provide full validation of the debts, including proper documentation to substantiate the claims.

3. Compliance with the FCRA : Any account that fails to meet FCRA requirements or Metro 2 standards should be removed from my credit file immediately.

I believe some of the accounts reported by debt collectors may not meet these standards. In particular, please ensure that : All accounts have accurate and updated information.

Accounts are reported in the correct status, including any that may be beyond the statute of limitations.

Any unverifiable accounts are promptly removed.

Please provide me with a detailed summary of the actions taken, including confirmation of compliance for all accounts and notification of any deletions or corrections made.

I trust that Experian will handle this request promptly and in accordance with its legal obligations. Thank you for your attention to this matter. Please contact me directly should you require additional information. 

Sincerely, 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX, XXXX, and XXXX consistently responds within 24 hours starting the account is accurate without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of 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 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within XXXX Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information : XXXX for failing to respond to my credit dispute within the legally mandated XXXX timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX, they responded on XX/XX/XXXX, American Express and XXXX has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within XXXX days of receiving a dispute. Additionally, XXXX XXXX. XXXX ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting. 

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under XXXX XXXX. XXXX, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful. 

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within XXXX business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. 

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 
Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation