vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XX/XX/XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXXOriginal Creditor XXXX XXXX XXXX XXXX Balance Owed : {$960.00} XX/XX/XXXXXXXX Bankruptcy Reference # XXXX XX/XX/XXXX XX/XX/XXXX Original Creditor : 11 XX/XX/XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX/XXXX/2024 XXXX XXXX/XXXX/2024 XXXX XXXX/XXXX/2024 XX/XX/XXXXXX/XX/year>2024 XXXX XXXX XX/XX/scrub>/2024 XX/XX/XXXXXX/XX/year>2024 XX/XX/XXXXXX/XX/scrub>/2024 XXXX XXXX XX/XX/scrub>/2024 XX/XX/XXXXXX/XX/scrub>/2024 XXXXXX/XX/XXXXXXXX XX/XX/scrub>/2024 XXXX OF XXXX XX/XX/year>2024XX/XX/XXXXXXXX XX/XX/year>2024 XX/XX/XXXXXXXX/XXXX/2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/year>2024 XX/XX/XXXXXX/XX/XXXXXXXX/XXXX/2024 XX/XX/XXXX XX/XX/year>2024 XX/XX/XXXXXX/XX/scrub>/2024 AXX/XX/XXXX XX/XX/XXXX XX/XX/year>2024 XXXX XX/XX/XXXXXX/XX/XXXXOF XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX/XXXX/2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Experian for failing to maintain fair and accurate reporting of my credit file in violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. Despite my formal dispute submitted to Experian regarding inconsistencies and inaccuracies on my credit report, they have failed to correct or remove the erroneous account information. 

The account in question ( XXXX OF XXXX ) contains multiple inconsistencies across the three credit bureaus ( Experian, TransUnion, and Equifax ) , including : Date of Last Activity : Reported as XX/XX/XXXX by TransUnion but XX/XX/XXXX by Experian. 
High Balance Discrepancies : Reported as {$370.00} by TransUnion and Experian but {$300.00} by Equifax. 
Date Opened Discrepancies : Reported as XX/XX/XXXX by TransUnion but XX/XX/XXXX by Experian and Equifax. 
Date Reported Inconsistencies : Differing reporting dates across all bureaus, with Experian last reporting on XX/XX/XXXX, which questions the accuracy of verification. 
Credit Limit Differences : {$300.00} on TransUnion and Experian but {$0.00} on Equifax.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of any disputed information. Given the multiple reporting errors and discrepancies, I formally requested that Experian verify or delete this account as required by law. However, they have failed to provide proper verification or correct the errors.

As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any inaccurate, incomplete, or unverifiable information must be removed from my credit report, yet Experian continues to report this account inaccurately. This is a direct violation of my rights under the FCRA, and their failure to correct these errors is causing financial harm, including potential denials for credit and higher interest rates.

I request that the CFPB take immediate action against Experian to ensure compliance with federal law and hold them accountable for their failure to maintain accurate consumer credit reports. I am seeking : 1. The immediate deletion of this inaccurate account from my Experian credit report.

2. A formal investigation into Experians failure to follow FCRA guidelines regarding reinvestigation and verification.

3. Any necessary enforcement actions to prevent further FCRA violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to escalate a concern regarding a {$25000.00} cashiers check requested through my online account with Capital One. I do not believe I have received fair and equitable treatment as a result of a significant mistake made by Capital One and no fault of my own. This matter has caused considerable inconvenience and damaged my credibility in a business transaction. As a 25 year customer, my expectation is for far better customer service than I have received thus far. 

The pertinent facts are as follows : - A {$25000.00} cashiers check was requested online on XX/XX/XXXX2025 - The check was not received the following day, prompting me to contact Capital One for a tracking number - Upon receipt of the tracking number the check was signed for and received at a XXXX XXXX before being presented for the purchase of a vehicle at The XXXX XX/XX/XXXX ( XXXX XXXX, NJ ) on XX/XX/XXXX, 2025 - On XX/XX/XXXX 2025, the dealership informed me that the check was dishonored by Capital One due to a stop payment - At no time did I request a stop payment on this check Multiple conversations with Capital One customer service management during the period of XX/XX/XXXX25 - XXXX/XXXX/25 confirmed that Capital One erroneously stopped payment on the check without my authorization. They provided no explanation and I was told that it may take up to 90 days to receive my money back which is frankly unacceptable. This error has not only delayed my ability to finalize the vehicle purchase, but also necessitated significant time and effort on my part to address the issue. Furthermore, the dealership has been understanding but this situation reflects poorly on me as a buyer through no fault of my own.

I requested that Capital One immediately refund the {$25000.00} to my account so I may resolve this matter and pay the dealership without further delay. In addition to escalating this matter with Capital One customer service, I also contacted XXXX XXXX XXXX XXXX,, President Retail Bank at Capital One in a letter dated XX/XX/XXXX25. 

To date I have received no resolution to the matter or any contact/call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
It has come to my attention. My personal information has been exposed in the national data breach reviewing my credit reports I noticed some accounts I am unfamiliar with. I have asked the CRA for validation of debt however, the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the information. I am not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETED the account, or inaccurate information, from my file immediately & send me the results to the address. 

XX/XX/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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I came across the CFPB Experian lawsuit. 

I feel i was negatively impacted by Experian hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation is'nt applied too. 
Please provide details to investigation or delete 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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app don't have live people to talk to cause money was took from my account and I've tried to call to talk to someone about it and know one to talk to about my account and didn't get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my 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 2025-02-04 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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX The following inquiries were not and should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against Experian for Violating FCRA Section 607 ( b ) Dear CFPB, I am writing to formally lodge a complaint against Experian for clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ). This section mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. 

I have encountered a troubling situation concerning my credit report that illustrates Experians failure to uphold this legal standard. According to my records, my First Progress account ( Account Number : XXXX ) was reported as " Paid, Closed/Never late '' and had a positive payment history. However, on XX/XX/XXXX, I discovered that Experian had unreasonably deleted this account from my credit report. 

This deletion not only misrepresents my credit history but also adversely affects my creditworthiness, thereby threatening my access to essential services such as credit, employment, and housing. I have attached documentation from XXXX XXXX XXXX confirming that they updated my information and reported this account to all three credit bureaus. 

Despite providing all necessary documents to support my claim, Experian has failed to reinstate my XXXX XXXX XXXX account. This account needs to be reinserted as soon as possible, as its absence is causing significant harm to my credit profile. Their blatant disregard for the accuracy that the FCRA requires is unacceptable. 

This situation is exacerbated by Experian 's history of inadequate investigations into disputes, as highlighted by previous legal actions taken by the CFPB against them for sham investigations. 

Given these ongoing business practices, I urge the CFPB to take immediate action against Experian. Their repeated violations not only undermine consumer trust but also violate the rights of individuals like myself who rely on accurate credit reporting for financial stability. 

Thank you for your attention to this matter. I look forward to your prompt response and the necessary actions taken against Experian for their continuous disregard for the FCRA. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Bankruptcy Reference XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TN

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
XXXX  XXXX Account number XXXX. This account was reported as a collections/ charge-off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was charged-off. I urge your agency to reinvestigate and provide all missing information. Also, please explain why there is a past due balance reporting while the report show a charge-off? Im sure you know that it is violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I have disputed and was approved for the account to be removed from my credit report and it still has not been removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IN

Complaint narrative:
My purse was stolen. Person used my card to purchase gas and other things at gas station. cash app would not help me even with a police report

Company response to consumer: Closed with explanation