vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX XXXX  '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Charge-Off Status and Balance Discrepancy The account is reported as " charged off '' with a balance of {$0.00} while also showing a " {$19000.00} written off. '' This is contradictory and violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. 
Incorrect Payment History My report shows inconsistent delinquencies, such as " ND '' ( No Data ) in XXXX and XX/XX/XXXX, yet " CO '' ( Charge-Off ) appears before those dates. This timeline is inaccurate and misrepresents the true payment history. 
Unverified Ownership and Transfer of Debt The account was allegedly sold to " XXXX XXXX XXXX XXXX. '' However, there is no documented proof that this company has legal authority to report on this debt under 15 U.S.C. 1681s-2.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account. 
Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
FCRA & FDCPA Violations by Portfolio Recovery Associates To Portfolio Recovery Associates, This letter serves as a formal dispute and demand for debt validation regarding the account you have reported on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to provide proper validation of any debt you are attempting to collect or report. 

DEMAND FOR PROOF OF DEBT OWNERSHIP You are a third-party debt collector with no permissible purpose to collect or report this debt unless you can prove legal ownership or an assignment contract from the original creditor. To ensure compliance with federal law, I demand the following : 1. Proof of Debt Ownership Provide a legally binding debt assignment contract proving that you own or have the legal right to collect on this debt.

2. Original Signed Contract Provide a copy of the original contract bearing my signature, demonstrating that I agreed to this alleged debt and its transfer.

3. Itemized Statement of Charges Provide a full breakdown of how the alleged balance was calculated, including interest, fees, and payment history from the original creditor.

4. Proof of Securitization Status If this debt has been securitized or sold, you are attempting to collect on an unlawfully transferred debt that you do not legally own.

5. Permissible Purpose to Report Provide documentation proving that you have a legal right to report this debt under 15 U.S.C. 1681b.

NOTICE OF FCRA & FDCPA VIOLATIONS If you fail to provide proper debt validation, you are in direct violation of : 15 U.S.C. 1692g ( b ) Failure to provide verification or cease collection activity.

15 U.S.C. 1681b ( f ) Unlawful reporting of information without a valid permissible purpose.

15 U.S.C. 1692e ( 8 ) Illegal reporting of false credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
This morning, I noticed that my credit report contained inaccurate accounts, and I have no clue why. I regularly check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was just a glitch, but the errors remained. Given this issue, I request a thorough review of the documents Ive submitted so I can stop worrying about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: AL

Complaint narrative:
EQUIFAX has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed inform credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against EQUIFAX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where EQUIFAX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as EQUIFAX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year>, I disputed an inaccurate entry on my credit report for a JPMorgan Chase Bank credit card account. The account is reported as charged off and settled for less than the full balance, but Chase has provided conflicting information in response to my disputes. 

Chase first confirmed that the account was reported to the credit bureaus, but later responded in writing that this is NOT a Chase account. This contradiction suggests either : Chase is knowingly misreporting credit data, or Chase failed to properly verify the accuracy of the information before furnishing it. 
Additionally, I formally requested verification from Chase, including : A signed credit agreement proving I agreed to the debt. 
A complete transaction history showing how the balance increased to {$8300.00} from the original credit limit of {$7500.00}. 
A written explanation justifying the reported high balance. 
Chase failed to provide any of this requested documentation, which is a violation of FCRA 623 ( a ) ( 3 ) unverified or inaccurate information must be deleted from my credit report. 

I previously gave Chase 10 days to verify the account or remove it. They failed to comply, and the inaccurate information remains on my credit report. 

I have now escalated my complaint to the Ohio Attorney Generals Office, the XXXX XXXX XXXX XXXX, and the credit bureaus ( XXXX, XXXX, and XXXX ) regarding Chases failure to follow federal reporting laws. 

I am requesting that CFPB investigate this matter and require JPMorgan Chase to remove the inaccurate charge-off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as a highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Below are the accounts I marked as inaccurate. 
XXXX XXXX XXXX  Original creditor : XXXX Balance : {$4400.00} XXXX XXXX  Original creditor : XXXX XXXX XXXX  Balance XXXX {$420.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2200.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX. XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$4400.00}

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 2025-01-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Service LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Hard Inquiry Dear Sir/Madam, I am writing to formally dispute a hard inquiry listed on my credit report that I believe to be unauthorized. The inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX and I did not give my consent for this inquiry. According to the Fair Credit Reporting Act ( FCRA ), only creditors with whom I have applied for credit, insurance, or a loan may perform a hard inquiry on my credit report. I do not recognize this inquiry and believe it may have been made in error, or possibly due to fraud. I request that you investigate this matter, remove the hard inquiry from my credit report, and provide written confirmation of the removal. Please also inform me of the results of your investigation within 30 days, as required by law. Enclosed are any documents or information I have that may assist in resolving this issue. If you need further information, please feel free to contact me at the number or email listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I believe Ive been subject to unfair business practices. All three of my credit card accounts have been closed due to returned payments without ANY prior notice. This is a huge chunk of my income that I just lost that aids in taking care of my family as well as myself. I needed those credit cards to build credit as well. They were a great benefit to me in helping with expenses on a monthly basis. I was told that I violated terms & agreements when the returned payments occurred. Ive had returned payments before, but NEVER had my accounts closed because of it. I have been in very good standing with my credit cards ever since receiving them. XXXX and XXXX is the only exception out of almost XXXX of owning my cards. Ive read the agreement and its says NOTHING about closing accounts because of returned payments. It does say, however, Ill get charged a fee for returned payments ; Which they made sure to do. Under the default accounts section, it says theyll close account ( along with other punishments ) for reasons such as late & /or missed payments, payment rejection or can not be processed, exceed credit limit, etc. but none of my accounts were in default. They literally just closed them, despite me actually being responsible with my credit cards. XXXX of XXXX and this month ( XX/XX/XXXX ) has been the ONLY hiccups Ive have. Now I have to come up with other ways to earn income to replace the {$1000.00} thats been taken from me. Theres no guarantee on approval of other credit cards either. Credit score is too low. I even screenshotted a couple instances where I actually received praise for my responsibility and on time payments. And yes, that was THIS MONTH. These institutions make it SO hard for everyday humans to live a comfortable life. Ive taken this matter into legal hands as well. Im tired of letting companies treat me this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-30 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Settled Account Still Showing a Write-Off The account is reported as " Paid in settlement '' with a " {$14000.00} written off. '' Once settled, the balance should reflect as zero without a charge-off designation. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Incorrect Payment History The payment history incorrectly lists " CO '' ( Charge-Off ) for multiple months in XXXX, even after the account was settled and closed. This misrepresentation affects my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm Capital Ones right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
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 non-monetary relief
Consumer complaint received 2025-01-30 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: DE

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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 2025-01-30 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.dispute using Zelle numerous times and reporting discrepancies, my financial institution and Zelle fails to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was a victim of multiple data breaches. A lot of items on my credit report are inaccurate.

Company response to consumer: Closed with non-monetary relief