vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-03-07 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: NY

Complaint narrative:
I am filing this complaint against Equifax due to its failure to maintain accurate and verifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. 

I previously disputed the XXXX XXXX account with Equifax, citing inaccurate and inconsistent reporting across the major credit bureaus. XXXX has already deleted this account, demonstrating that it was unverifiable. Despite this, Equifax continues to report the account as Paid Collection with Late XXXX  Days, which conflicts with XXXXXXXX XXXX reporting of the account as a Charge-Off. 

Furthermore, Equifax has failed to provide a detailed description of the investigation procedures conducted, as required under 15 U.S.C. 1681i ( a ) ( XXXX ). Instead, they appear to have relied solely on automated verification systems like XXXX, which do not meet the legal standard established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: OH

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made a deposit of {$53000.00} on XX/XX/year>. After the normal 1 day business day wait, I learned a hold of {$48000.00} had been placed on the deposit with no explanation given. Per the bank services agreement provided by Truist bank, it is their responsibility to adequately communicate any holds placed on abnormal deposits. Despite having indicated that I could be alerted electronically by phone, text, and email, AND having mailed document preferences turned off, Truist used the postal service to send me notice of a 10 day hold for a large deposit. The notice took longer than the 10 days to actually arrive and the funds were available before I was even notified. To make matters worse, the document was not dated and arrived a few days AFTER I had made a complaint with them and made them aware they were in breach. There was not even a postmark. It is clear that considering my communication preferences being clearly indicated prior to this transaction for years, that Truist attempted to cover up their breach in notification by using the USPS, the slowest communication method available, to explain away their breach of banking agreement. In addition, by my count the document arriving in my mailbox on XX/XX/XXXX is an exorbitant amount of time for the notification to arrive if it was indeed sent on XX/XX/XXXX as indicated by Truist ... .even by USPS standards.

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 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had an account with Capitol One over 7 years ago and once I became XXXX I couldnt continue making the payments due to multiple surgeries and was out of work and i notified Capitol One regarding my situation. Capitol One sold my balance several times to third parties. Now XXXX XXXX XXXX put a judgment against me in XXXX XXXXXXXX XXXX for XXXX and my XXXX deposit for my bills was returned and sent to XXXX XXXX. I called him over 8 times and he never answer or return calls. Please help his number is XXXX.Case number for XXXX XXXX XXXX XXXX. Thanking you in advance. Please help me resolve this matter, its over 7 years and my money was taken out of my XXXX XXXXXXXX XXXX account in which I had to close

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers 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 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 I dont recognize the following accounts in question. Im a victim of identity theft, and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warning Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
In XX/XX/year> I paid a vendor {$380.00} to help get my book keeping for my business up to date and file proper paperwork. The paperwork was never filed and the person ran off with my money. I reached out to Cashapp, provided proof of conversation and receipts. Cashapp never acknowledged my evidence and denied my dispute. 
This caused overdrafts in my bank accounts for filing fees that were supposed to be taken care of. I was forced to pay my a total of {$1800.00} for proper filing and a late fee of {$150.00}. I gave two children that could have used that money and just gone like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-03-07 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANKERS HEALTHCARE GROUP LLC
State: OH

Complaint narrative:
1. CFPB Complaint Loan Fraud & Servicing Violations File here : CFPB Complaint Form Subject : Complaint Against BHG & XXXX XXXX XXXX XXXX XXXX Violations Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint against Bankers Healthcare Group ( BHG ) and XXXX XXXX for loan fraud, deceptive lending, and illegal loan servicing practices. 

Key Issues : BHG Fraudulently Misrepresented My Loan Terms : BHG falsely inflated the principal balance and lowered the reported interest rate before transferring my loan to XXXX. 
This made the loan appear more affordable to consumers while deceiving XXXX into believing it was lower-risk. 
This is a clear violation of the Truth in Lending Act ( TILA ) and Unfair, Deceptive, or Abusive Acts ( UDAAP ). 
XXXX Has Illegally Refused to Provide My Loan Records : Despite three separate requests, XXXX refuses to disclose my principal balance, interest rate, or transaction history. 
Loan servicers are required by RESPA and TILA to provide borrowers with this information upon request. 
This suggests XXXXXXXX may be covering up fraudulent loan reporting.

Applicable Violations : Truth in Lendi
ng Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ) Dodd-Frank Act Unfair, Deceptive, or Abusive Acts ( UDAAP ) I request the CFPB to investigate BHGs fraudulent loan reporting and XXXX illegal servicing practices. 

I am prepared to escalate this further, including seeking legal action for loan cancellation and damages. 

Loan Masking technique : XXXXXXXX XXXX loan # XXXX BHG Financial Loan # XXXX Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: CA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear CFPB, I am formally filing this complaint to seek urgent regulatory action against Equifax and TransUnion and Experian for repeated violations of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 16811681x ). 
Summary of Violations : 1. Unlawful Reinsertion of Fraudulent Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) : * XXXX XXXX account was previously deleted as well of XXXX XXXX, XXXX XXXX XXXX, and ALL XXXX  accounts following documented proof of identity theft ( FTC Affidavit, police report ). Without required statutory notification, this account has been improperly reinserted, causing significant damage to my credit and mental well-being. 

2. Failure to Properly Investigate and Block Fraudulent Items ( FCRA 605B, 611 ) : * Despite submission of comprehensive identity theft documentation ( FTC Identity Theft Affidavit, official Police Report, drivers license, Social Security card, utility bill ), Equifax and TransUnion persistently verify fraudulent accounts ( notably XXXX XXXX XXXX XXXX ). 
* Their investigations fail to meet the standards set by XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX, requiring detailed and credible verification from original creditors. 
XXXX. Obstruction of Consumer Dispute Rights ( FCRA 609 ( a ) ( 1 ) ) : * TransUnion specifically denies online and telephone dispute access, using erroneous identity verification questions unrelated to me, thus obstructing my statutory rights. 
Impact and Damages : These actions have resulted in extreme financial hardship, emotional distress, frustration, XXXX and harm to my reputation and creditworthiness, limiting my access to credit, housing opportunities, and causing prolonged personal and financial strain. 
Requested CFPB Actions : * Initiate an investigation into Equifaxs and TransUnions handling of my disputes. 
* Require both bureaus to provide concrete evidence of their verification processes for the disputed accounts. 
* Mandate immediate deletion and blocking of fraudulent accounts per FCRA regulations. 
* Enforce punitive measures, including fines, for the intentional and repeated non-compliance demonstrated by these bureaus. 
* Ensure compliance with the CFPB 's previous lawsuit against Experian, holding all CRAs equally accountable to the law. 
I am hopeful that the CFPBs intervention will compel these bureaus to fully comply with their legal obligations and restore accuracy to my credit reports. Your prompt and firm action is crucial in remedying these continuous and serious violations. 
Thank you for your immediate attention and assistance. 
Respectfully submitted, 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 2025-03-07 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: AZ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-03-07 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has failed to fulfill its legal obligations under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report.

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