vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My final payment for my XXXX XXXX XXXX was made on XX/XX/XXXX. I was told when I called a month prior to verify that the final payment was on that date, that I had one more payment to make on XX/XX/XXXX. When I called on XX/XX/XXXX to find out why I hadn't been charged, my account manager informed me that I had made the final payment the week prior and the title would be mailed out shortly. 

On XX/XX/XXXX the car was totaled. I was informed a week later that I would need the title for insurance, and called on XX/XX/XXXX to find out why I hadn't received the title, and why a late payment of over 30 days was listed on my credit. I was informed that the title should be on the way and they would remove the negative remarks on my credit. 

I have called multiple times a week since, and have been offered excuses such as the title clerk is on holiday, my account manager is not in the office, or, even more baffling, that this is a common issue for them to send the wrong information to the credit agencies and that when I dispute it, they will be sure to remove it. Which STILL has not happened. 

6 months later, I was still showing that I have a past due payment and it is 2 months late. THE CAR IS PAID OFF AND HAS BEEN SINCE XXXX! I finally got my title and was able to get it to the insurance agency to finish totaling the car out, but this has wrecked my credit for months. Disputes with the credit agency keep getting sent back as accurate, even though my account manager has confirmed my account is closed ( paid off ). 

Now we are almost a year from the time the car was paid off, and it is still showing as past due of not even a full payment! I have continued to call and leave messages with the operator, and managers refuse to return my calls or respond to my complaints through the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I didnt authorize these fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date Removal date XX/XX/XXXX 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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: IA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: GA

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 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 2025-02-07 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: GA

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 2025-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : DELETE HARD INQUIRIES INMEDIATLY PLEASE. THANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I booked a hotel through Capital One XXXX in the amount of XXXX. My husband stayed at the hotel and his invoice stayed the cost was only XXXX. 

I called the hotel- they said that was the negotiated rate with the 3rd party ( capital one XXXX ). 

I called capital one and after 2 representatives and me insisting on needing to escalate the situation, I finally spoke with a manager.

She informed me that the hotel made a mistake by informing my husband of the business rate that was negotiated between the hotel and capital one XXXX. 

Essentially, we were charged what capital one XXXX  felt like charging us, and then went and negotiated a lower rate to rip us off for XXXX bucks. 

The scam was exposed because the hotel handed my husband an invoice of that price that was negotiated. 

Capital one XXXX gave me a XXXX  XXXX  and not a refund. That does NOT make me whole. It makes me want to never use them again, so who cares about that credit? Now that I know we ( and I am sure other customers ) are being ripped off. 

I want the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Company name : I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX, MN XXXX On or about XX/XX/year> I received a collection from an agency I had no idea for what? Further review, I noticed that they were a collection agency? However, I owe no debts and have a XXXX XXXX of XXXX XXXX? Therefore, I requested that this Collection Agency send proof of my contract with the XXXX company the proclaimed I owe and proof of Accounts Collectables or Debt owe? I disputed this and still have not received anything associating myself with this debt? I submit, that this company is in the business of maybe buying old false debt and trying to collect on false debt? This is not the XXXX time debt collectors just appear out of no where on my outstanding credit report in order to obtain unwarranted funds. This should be illegal.

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 2025-02-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
We received an American Express XXXX card from a friend. The card comes in the form of an email with a link to the card details showing the balance, number, etc. as well as instructions for use. The options are to add the card to a digital wallet or to use the card for an online purchase following normal credit card protocols. There is a stipulation however that purchases must be less than the balance amount. This in itself is a scam that allows Amex to collect small amounts of unused money as it is nearly. That aside the card itself does not work. 
I added the card to my google wallet and attempted to use it at major retailers including XXXX XXXX, XXXX XXXX and at a fast food restaurant. None of which worked. 

I then tried to use it at XXXX following the instructions on the email and website. This did not work either. I called customer service and spoke to a representative that the card " should work '' at any retailer provided the amount of the purchase was less than the balance of the gift card, and that the retailer asked for the card number, expiration date, and verification code. I asked if it would specifically work online at XXXX XXXX and the representative responded with " if the card is not working at an online merchant I should try again later. 

American express is advertising these gift cards as being able to be used anywhere American express is accepted, which does not appear to be true. They are also making them unnecessarily difficult to use, and the stipulation that purchases be less than the gift card balance makes it nearly impossible to use the entirety of the card value.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MO

Complaint narrative:
I am writing to formally request the removal of an item from my credit report due to non-compliance with FCRA guidelines. The information in question fails to meet the standard for accuracy as outlined by the Fair Credit Reporting Act.

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 2025-02-07 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: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report related to the following account : Account Information : Creditor Name : XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the maximum possible accuracy of information reported. However, this account contains multiple discrepancies that I am challenging based on factual inaccuracies and inconsistencies. 

Basis for Dispute : Incorrect Reporting of Charge-Off Status : The account was reportedly charged off, but it continues to reflect ongoing past-due amounts each month, which is a form of illegal re-aging under FCRA regulations. 

Inaccurate Account Status : The account history reflects conflicting information regarding its closure, charge-off, and balance updates. These inconsistencies violate the accuracy requirements outlined in the FCRA ( 15 U.S.C. 1681e ( b ) ).

Failure to Investigate Theft Report : This account is related to a stolen package for which I filed a police report. Despite my efforts to resolve the matter, the creditor failed to acknowledge or rectify the situation. Under FCRA ( 15 U.S.C. 1681i ), information that can not be verified must be removed.

Legal Grounds for Dispute : FCRA Section 609 ( 15 U.S.C. 1681g ) : I have the right to obtain and dir Resolution : I formally request the following actions : Immediate removal of the inaccurate charge-off and past-due reporting from my credit file.

A detailed explanation of the investigation process used to verify this information. 

An updated credit report reflecting the necessary corrections. 
This matter is significantly affecting my credit standing, and I expect a resolution within the 30-day period as mandated by the FCRA. If this issue is not resolved promptly, I will explore further legal action to protect my rights.spute the completeness and accuracy of my credit report.

FCRA Section 611 ( 15 U.S.C. 1681i ) : If an item is found to be inaccurate or unverifiable, it must be removed.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Information providers must ensure the accuracy and completeness of the information they report.

Truth in Lending Act ( TILA ) Section 1601 ( 15 U.S.C. 1601 ) : Requires transparency and accuracy in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-07 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record.

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: AR

Complaint narrative:
My information was in the XXXX Data Breach. I filed a report with the FTC over 60 plus days ago. I called all bureaus & I was told to mail in supporting documents to all 3 bureaus which I did. Some of the inquiries were removed but none of the accounts that were listed. I was told that they would investigate and I would hear something within 30 days. However according to a copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This matter still has not been resolved. I'm submitting this complaint again because the FTC report and other documents were not submitted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: AR

Complaint narrative:
My information was in the XXXX Data Breach. I filed a report with the FTC over 60 plus days ago. I called all bureaus & I was told to mail in supporting documents to all 3 bureaus which I did. Some of the inquiries were removed but none of the accounts that were listed. I was told that they would investigate and I would hear something within 30 days. However according to a copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This matter still has not been resolved. I'm submitting this complaint again because the FTC report and other documents were not submitted

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 2025-02-07 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: TX

Complaint narrative:
Requested validation and verification of debt for two accounts and information was not provided. This information was requested in XXXX and XX/XX/XXXX and again in XX/XX/XXXX but was never received. 

Information that was requested : proof of debt, signed contract, insurance claim, chain of title, original creditor information and right to collect. 

Disputed with TransUnion and accounts remained on my reports without any validation or verification proof.

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 2025-02-07 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 am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief