vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding an accuracies and my credit report despite my submissions XXXX constantly response within 24 hours stating the account is accurate without providing any evidence of the thorough investigation. The practice violates the fair credit reporting act ( FCRA ), 15 U.S.C & 1681i which mandates a responsible investigation of disputes. Furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ). 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No XXXX ) against them for similar violations I requested the CFPB take action to ensure XXXX compliance with federal law and provide consumers with the necessary proof of investigation. I am referring to both capital one accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding an accuracies and my credit report despite my submissions XXXX constantly response within 24 hours stating the account is accurate without providing any evidence of the thorough investigation. The practice violates the fair credit reporting act ( FCRA ), 15 U.S.C & 1681i which mandates a responsible investigation of disputes. Furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ). 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No XXXX ) against them for similar violations I requested the CFPB take action to ensure XXXX compliance with federal law and provide consumers with the necessary proof of investigation. I am referring to both capital one accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX I transferred XXXX from Fidelity 401 K. Fidelity showed the funds cleared XX/XX/XXXX. After many phone calls to Fidelity and Capital One 360 Banking. It was determined that the last two ( 2 ) of my account was transposed. The last four digits being XXXX as opposed to XXXX which is the last of my Capital One checking account. Fidelity has placed a trace on these funds, so Capital One can simply reject the deposit. This would have changed the EFT, to a hard check being issued. As of today XX/XX/XXXX, Capital One has not traced this deposit. Fidelity will not issue a check because the owner of the account ending in XXXX has apparently accepted the funds, has not contacted Capital One to return the funds. I have provided Capital One with a print out from Fidelity showing the transfer. Not only did I pay a fee for Direct Deposit, associated taxes and penalties for XXXX. These institutions are both Federally insured and a month seems a long time to not have any information or resolution. Fidelity appears to be the only team trying to rectify this situation. I have recorded calls to both institutions after many attempts to get a resolution. This is my money, not a loan and I have shown where things went wrong. The Third Party Customer team for Capital One are simply not helpful. They have lost a customer and I will put all information on Social Media and that includes the Account information of the account holder, who has appeared to stolen my funds. I will wait a bit longer but I have been greatly impacted by this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the inaccurate reporting of a XXXX XXXX account on my credit file across Equifax and XXXX. Despite prior disputes and Equifaxs claim that the account is not present in their report, this account remains inaccurately listed. XXXX XXXX has failed to provide any verifiable evidence to validate the account and has not fulfilled their obligation to properly investigate the dispute. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( b ), which mandates that furnishers of information must ensure the accuracy of reported data and investigate disputes thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the inaccurate reporting of a XXXX XXXX account on my credit file across XXXX and Experian. Despite prior disputes and XXXX claim that the account is not present in their report, this account remains inaccurately listed. XXXX XXXX has failed to provide any verifiable evidence to validate the account and has not fulfilled their obligation to properly investigate the dispute. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( b ), which mandates that furnishers of information must ensure the accuracy of reported data and investigate disputes thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer under 15 U.S. Code 1681o. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in 15 U.S. Code 1681n and 1681o, if this matter is not resolved promptly and accurately. The following items to be removed are as follows : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies. 
Nature of the Complaint Inaccurate Late Payments : The credit report shows XXXX late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( XXXX, XXXX, and Equifax ) XXXX These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date. 
Discrepancies in Account Details : High Credit : XXXX and XXXX report {$1400.00}, while Equifax incorrectly lists {$0.00}. 
Last Reported Dates : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors.

Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards. 
Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information.

Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies.

Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute inaccuracies and discrepancies in my credit report regarding the account listed below. This marks my initial attempt to resolve these matters with your agency. I urge you to address these errors promptly and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Account in Question : Creditor Name : XXXXXXXX XXXX  Account Number : 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 2025-01-27 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: IL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
My recent credit report contains information that does not align with the records I have kept, which has raised concerns for me. Accurate credit reporting is critical, and I believe this error needs immediate attention to prevent any further issues. I would appreciate it if you could carefully review the report and correct any inaccuracies found. Thank you for taking the time to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
My existing account was overwritten by new XXXX  zelle account and I can't access the account anymore or utilize the service because I'm currently stuck in an infinite login loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report, which are the result of identity theft. Despite providing all required documentationincluding a police report, FTC Identity Theft Report, government-issued ID, and proof of addressExperian consistently responds within 24 hours stating that the accounts are accurate. This rapid response indicates that no thorough investigation was conducted, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes.

Experians failure to investigate these disputes has caused significant harm, including a lowered credit score, financial difficulty, and emotional distress. Their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

The following accounts have been inaccurately reported on my credit file as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the CFPB take immediate action to hold Experian accountable, ensure compliance with federal law, and require them to provide evidence of a thorough investigation into my disputes. Additionally, I request the removal of all fraudulent accounts from my credit report and written confirmation of these actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24hours stating the account is accurate without providing any evidence of through investigation. The practice violates the Fair credit reporting act ( FCRA ), 15 U.S.C., ,1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C.,, 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumer with the necessary proof of investigation. 

These are the accounts I found as inaccurate : XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$3100.00} XXXX XXXX  XXXX {$1700.00} XXXX- {$9400.00} XXXX XXXX XXXX  XXXX {$55000.00} XXXX XXXX XXXX- {$1000.00} XXXX XXXX {$1.00} XXXX XXXXXXXX {$18000.00} XXXX XXXX XXXX {$8600.00}

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hours stating the account is accurate without providing any evidence of through investigation. The practice violates the Fair credit reporting act ( FCRA ), 15 U.S.C., ,1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C.,, 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumer with the necessary proof of investigation. 

These are the accounts I found as inaccurate : XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$3100.00} XXXX XXXX  XXXX {$1700.00} XXXX- {$9400.00} XXXX XXXX XXXXXXXX XXXX {$55000.00} XXXX XXXX XXXX- {$1000.00} XXXX XXXX {$1.00} XXXX XXXX  {$18000.00} XXXX XXXX XXXX {$8600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek redress for these violations.

Company response to consumer: Closed with explanation