vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am formally disputing the inaccurate and unfair reporting of my Capital One account, which was randomly closed without notice and incorrectly reported as a charge-off and placed in collections. 

What Happened : Capital One closed my account without any prior notice, violating fair lending and credit reporting practices. 
I was never informed in advance that my account would be closed or that a charge-off would occur. 
Capital One failed to provide due process, meaning I was never given an opportunity to remedy any alleged issues before they took drastic action. 
The unfair charge-off has severely damaged my credit and does not accurately reflect my consumer history.

Why This Is a Violation : Fair Credit Reporting Act ( FCRA ) Violation ( 15 U.S.C. 1681s-2 ) Capital One is required to report fair and accurate information, and this forced closure does not meet those standards. 
Failure to Notify I was never given any notice that my account would be closed or reported as a charge-off.

Unfair Credit Damage This unjust charge-off has caused significant harm to my credit score, and Capital One has provided no legitimate basis for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian 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 Experian inaction violates federal law and my rights as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am not liable for this debt of {$510.00} with XXXX XXXX XXXX, AccountNumber:XXXX  I do not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as I requested my wet signature and ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TX

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

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 2025-03-09 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: LA

Complaint narrative:
After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account was fraudulent and was not authorized by me. Company refused to remove account from my credit report which is hindering me from obtaining any future credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: I.C. System, Inc.
State: FL

Complaint narrative:
Account was fraudulent and was not authorized by me. Company refused to remove account from my credit report which is hindering me from obtaining any future credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: VA

Complaint narrative:
I am writing to formally dispute the non-compliance issue related to my account with your company, referenced under code XXXX. It has come to my attention that certain actions or obligations were not fulfilled as required, and this has led to a violation of the compliance regulations outlined in the relevant code. 

As per Code XXXX, your organization is obligated to report accurate information and investigate them. However, the failure to comply with these requirements has resulted in inaccurate credit reporting. This negligence has created considerable consequences that need immediate attention. I urge you to take swift action to rectify the situation and ensure full compliance with XXXX XXXX moving forward. 

I ask that you please remove inaccurate information from my credit file.

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 2025-03-10 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: VA

Complaint narrative:
I am writing to formally dispute the non-compliance issue related to my account with your company, referenced under code XXXX. It has come to my attention that certain actions or obligations were not fulfilled as required, and this has led to a violation of the compliance regulations outlined in the relevant code. 

As per Code XXXX, your organization is obligated to report accurate information and investigate them. However, the failure to comply with these requirements has resulted in inaccurate credit reporting. This negligence has created considerable consequences that need immediate attention. I urge you to take swift action to rectify the situation and ensure full compliance with XXXX XXXX moving forward. 

I ask that you please remove inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EQUIFAX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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 noticed a debt appearing on my SYWMC/ CBNA Account number XXXX which I believe is not mine. Upon reviewing the account details, I found that the debt listed was associated with an account that I did not open and for which I did not give any consent.

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 2025-03-09 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: IL

Complaint narrative:
I previously disputed XXXXXXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX, and they removed it from my report after determining it was inaccurate. However, Equifax continues to report this incorrect information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate data and have it removed. I am requesting that this is investigated and remove this item to ensure consistency across all credit bureaus. 

Additionally, I am requesting an investigation and removal of two other inaccurate accounts that continue to negatively impact my credit report, and does not reflect my true credit history. Despite my efforts to resolve this directly with the reporting agency over phone, it remains unresolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to follow up on my previous complaint regarding inaccurate, unverified, and outdated information being reported on my credit reports by various creditors and collection agencies. Despite my initial submission and the reasonable time frame that has passed, I have yet to receive confirmation that the disputed information has been removed or properly verified. 

As a consumer, I am entitled to fair and accurate reporting under the Fair Credit Reporting Act ( FCRA ). Since my last complaint, the following issues remain unresolved : Outdated and Incorrect Personal Information : The following addresses and employer listings remain on my credit report despite being outdated or inaccurate : Addresses : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Negative Credit Information : The following accounts are still being inaccurately reported without proper verification : Charge-Offs : 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 Late Payments : XXXX # XXXX Inquiries : XXXX  # XX/XX/XXXX XXXX  # XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I previously requested verification of these accounts as required under FCRA Sections 609 ( a ) ( 1 ) and 611. To date, I have not been provided with any supporting documentation proving the accuracy or validity of these accounts, nor have they been removed from my credit reports. 

Request for Immediate Action : I respectfully request that the CFPB take further action to ensure compliance with federal laws by : Requiring the credit reporting agencies and furnishers to provide actual documentation verifying the legitimacy of the reported accounts and personal information. 

Ordering the immediate deletion of any unverifiable, outdated, or inaccurate information from my credit reports. 

Investigating whether the creditors and collection agencies have fulfilled their obligations under the FCRA and imposing penalties if violations are found. 

I have provided sufficient time for resolution, yet my complaint remains unaddressed. I request immediate escalation of this matter and a detailed response outlining the actions being taken. If necessary, I am prepared to escalate my complaint further, including seeking legal remedies to enforce my rights under the FCRA. 

Please let me know if additional documentation is required to move forward. I look forward to your prompt attention to this matter and expect a response within the required timeframe. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: NC

Complaint narrative:
I have been receiving text from Sheperd Outsourcing claiming they are representing XXXX XXXX XXXX for an alleged debt that I owe to XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I have never entered into any contract with XXXX XXXX XXXX XXXX XXXX. I was given a phone # XXXX that I am afraid to call because I believe this is a scam. There is also a link in the text that I will not click on. I did have a loan with XXXX XXXX XXXX XXXX XXXX approximately 20 years ago but that debit was a charge off, for which I did not receive a 1099c, and legally can not be persued anymore. This alleged debit does not appear on my credit reports and has long passed the statute of limitation to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also States the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B creditor may not treat a payment on a credit card account under a open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: VA

Complaint narrative:
I am writing to formally dispute the non-compliance issue related to my account with your company, referenced under code XXXX. It has come to my attention that certain actions or obligations were not fulfilled as required, and this has led to a violation of the compliance regulations outlined in the relevant code. 

As per Code XXXX, your organization is obligated to report accurate information and investigate them. However, the failure to comply with these requirements has resulted in inaccurate credit reporting. This negligence has created considerable consequences that need immediate attention. I urge you to take swift action to rectify the situation and ensure full compliance with XXXX XXXX moving forward. 

I ask that you please remove inaccurate information from my credit file.

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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, Please help us investigate and resolved amount of {$2000.00} under XXXX XXXX XXXX with an error, no authorized. However, I dont know my Chase bank account or XXXX XXXX gave me partial credit no fund refund. I noticed both of them told me have to wait now 1 year no full refund. I noticed XXXX XXXX insurance also do document fraud on us. 
Please help us get the money back. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation