vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
On XX/XX/year>, I filed a dispute with Equifax regarding inaccurate and unverifiable information on my credit report. The disputed accounts include : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Despite providing supporting documentation and clearly explaining the inaccuracies, my dispute was erroneously classified as " frivolous '' on XX/XX/year>, and the credit bureau refused to conduct a proper investigation. This is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires credit bureaus to investigate any disputed information unless the dispute is without merit, which is not the case here.

In addition, I requested specific details of the verification process, as permitted under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). However, Equifax did not provide me with this information or demonstrate that it conducted an adequate reinvestigation. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be removed from the credit report, but these accounts continue to appear without verifiable evidence of its accuracy. 

This lack of a reasonable inquiry and refusal to provide verification evidence has negatively affected my credit profile. This has caused unwarranted financial harm, as well as being in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which requires creditors and furnishers to ensure the accuracy of reported information and conduct full investigations when disputes arise. 

As a result, Equifax has breached its legal obligations, affecting my credit history and denying me my rights as a consumer under the FCRA. 

Recent Legal Precedent On XX/XX/year>, the CFPB imposed a {$15.00} XXXX fine on Equifax for failing to adequately investigate consumer disputes and for ignoring consumer-provided documents. This precedent highlights the importance of strict compliance with the provisions of the FCRA and ensures my right to demand fair and documented verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I had a car from Bridgecrest that messed up on me, couldn't none of the mechanics find out what the problem was. Called customer service they said it was nothing to could do to help because the warranty was up. So I tried to do voluntary repossession but when they came and got it they didn't report as that to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
I am writing to file a formal complaint against Equifax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXXXXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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 am writing to address an issue with my credit reporting. XXXX XXXX XXXXas reported to XXXX, XXXX, and TransUnion that I was reinstated as an authorized user on my father 's XXXX XXXX XXXX  While XXXX and XXXX have accurately reflected this reinstatement, TransUnion has not, citing in a phone conversation an " internal policy '' that prohibits any corrections indefinitely. This was not something they were willing to produce in a letter. Despite my request for consistent reporting, TransUnion has stated they are unable to make any changes due to their policy. This discrepancy creates an unfair situation for XXXX cardholders who wish to be reinstated as authorized users. It hinders our ability to present a consistent and competitive credit history in the marketplace. I respectfully request that TransUnion reconsider its internal policy and report my reinstatement as an authorized user, aligning with the practices of XXXX and XXXX. Accurate and fair reporting is essential for consumers to fully benefit from their responsible financial behavior and to compete fairly in the credit market. Thank you for your attention to this matter.

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 2025-01-29 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: IL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Original Creditor : XXXX XXXX Balance Owed : {$1000.00}

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 2025-01-29 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 requested under the fair debt reporting Act title 15 Sub Sec 6802, 1692, 1601 that they remove the information from credit report that is not mine reporting on the report. Also requested from the furnisher to provide the necessary agreements that obligated me to perform in anyway and or gave them the right to furnish the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AL

Complaint narrative:
This CFPB has been filed to request pursuant to FCRA subsection 605B ( 15U.S.C.subsection 1681c-2 ) that you, the XXXX, XXXX and the Trans Union credit reporting agencies , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts and collections. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. Ive attached a copy of your consumer credit report showing the inaccuracies. The aforementioned accounts and collections maintained you were not opened, made or initiated by me. I have attached a copy of FTC Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2025-01-29 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: AL

Complaint narrative:
This CFPB has been filed to request pursuant to FCRA subsection 605B ( 15U.S.C.subsection 1681c-2 ) that you, the XXXX, Equifax and the XXXX XXXXXXXX credit reporting agencies , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts and collections. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. Ive attached a copy of your consumer credit report showing the inaccuracies. The aforementioned accounts and collections maintained you were not opened, made or initiated by me. I have attached a copy of FTC Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I have submitted FTC reports and have also submitted proof where the lenders have violated FCRA section code 15USC-1681 ( a ) ( 6 ) ( B ) ( iii ) Willful Noncompliance. The lenders are committing fraud by reporting a fraudulent Account and by going after me for the debt and they have written the debts as a charge-off and have received a tax break for the debts! They are committing fraud with the IRS!

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 2025-01-29 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report, not proof of verification was sent to me as proof that these accounts belong to me. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX. I demand that you remove these accounts from my credit report. I am trying careful notes and will have to file a sue if the accounts are not removed. This has cause me great XXXX, stress, and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report, not proof of verification was sent to me as proof that these accounts belong to me. My credit report is still reporting an accounts for XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. I demand that you remove these accounts from my credit report. I am trying careful notes and will have to file a sue if the accounts are not removed. This has cause me great anxiety, stress, and financial hardship.

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 2025-01-29 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: LEXISNEXIS
State: CT

Complaint narrative:
I am disputing the inaccurate reporting of a bankruptcy on my credit report by LexisNexis. The Bankruptcy XXXX  has confirmed in writing that they do NOT report to any credit reporting agencies. Despite providing LexisNexis with this official document from the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXt, they have continued to verify the bankruptcy without a legitimate source.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), LexisNexis is required to ensure the maximum possible accuracy of information reported. Since the court itself does not provide this data, LexisNexis must disclose its method of verification per ( 15 U.S.C. 1681i
( a ) ( 6 ) ). Failure to do so means they are inaccurately reporting and violating my consumer rights.

I am requesting that LexisNexis either provide documented proof of their source or delete the bankruptcy from my file immediately. I have attached the letter from the Bankruptcy XXXX confirming that they do not report to any credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$9800.00}

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 2025-01-29 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

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 2025-01-29 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: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I signed up for a Home Depot credit card with Citibank. The application requires my residence address and mailing address which is different. About 4 months later I received a phone call from Citibank when they told me that I had been charged a late fee for not paying my bill.

In discussing this with Citibank, They realized that they had sent the original billing to my residence address rather than my mailing address so I never received the bill. I asked them to mail me a bill to my proper mailing address and I would pay it when the bill came. The b ill came around XX/XX/year>, the account had a late fee on it. On XX/XX/XXXX, We paid {$73.00} the amount of the charge on the bill but did not pay the late fee as it was not our fault, About a month later I received another and this bill charged me a late fee for not paying the late fee on the original bill. I called Citibank and spoke to one of their escalation agents. I explained that the original late fee was improper because we hadnt received the bill on time to pay it on time. She told me they could remove one of the late charges from the bill, but not the other one. I explained that they were charging me a late fee for not paying an improper fee, but the woman told me that the company policy was not to remove two late charges. Ive been receiving phone calls from Citibank. Ive told them that Im not going to pay this fee because its improper. I continue to receive phone calls requesting payment. 
The account currently shows a balance of {$64.00} with a past due amount of {$29.00} I am requesting your assistance to contact Citibank to have them clear the account of these improper late fees, and I intend to close the account at that time Thank you kindly for your assistance 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 monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
These accounts was reported as a collection/charge off and is affecting my score negatively. The reporting of this account is incorrect as i still see a balance after it was charged off. I urge reinvestigation and provide all the missing information. Also why is there a past due balance if the report show as charged off? This is a violation of 15 USC 1681i7

Company response to consumer: Closed with non-monetary relief