vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: OH

Complaint narrative:
Dear credit bureaus, I received my investigation results and saw this account was verified. However, I have a few questions : What did you update? What did you modify exactly? Did you really reinvestigate my accounts? 

If you did, why is the open date different from the other credit bureaus, why is the date last active different, why are my accounts still inaccurate. 

I have sent in multiple disputes over the years to remove this inaccurate auto loan experian and transunion have failed multiple times to remove this account. The account isnt reflecting on XXXX because they removed it due to inaccuracy. Im confused as to how are they verifying this clearly inaccurate account and they arent providing a description on how they verified the account. This will be my last dispute before I take legal action against the credit bureaus. If you can not prove and write a clear description on how this account is accurate so you claim you need to remove it and this is my last time asking. I didnt have a license when this account was opened I havent made any payments and this account doesnt belong to me nor is it even accurate. 

I would like you to conduct an investigation for me to make certain that everything is accurate. 

XXXX XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete this account from credit report due to violations of 15 USC 16811 ( 5 ), 15 USC 16811 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.

I do not want to see we made a call to verify accuracy I want a real investigation done into this inaccurate account I know you cant prove a thing and I want it 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 2025-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: CT

Complaint narrative:
I am writing to formally dispute the Revco Solutions Inc account reported on my credit file. This account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ), as it is unauthorized. I am requesting its immediate removal from my credit report. 

According to the FCRA ( 15 U.S.C. 1681i ), consumer reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information in a timely manner. Failure to do so has led to legal action against credit bureaus in cases similar to mine. Here are a few examples : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX F.R.D. XXXX ( XXXX. XXXX XXXX ) XXXX was sued for failing to correct inaccurate information, violating consumer rights under the FCRA. 
XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) XXXX was held liable for including incorrect data on consumers credit reports without proper verification. 
XXXX XXXX XXXXXXXX, XXXX. XXXX ( XXXX. XXXX XXXX ) The court ruled against XXXX for failing to conduct a reasonable investigation into disputed accounts. 
Given that the reported account is unauthorized, its presence on my credit file is unlawful. I demand XXXX, XXXX and XXXX remove this account immediately to avoid further violations of my rights under the FCRA. Please provide written confirmation of the deletion or verification of the account within 30 days, per FCRA guidelines. 


Please address this matter promptly. I expect written confirmation of the deletion or a valid verification within the 30-day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
I am filing this complaint to address Equifax 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit # XXXX, Equifax reinstated fraudulent accounts without providing a valid reason. 

These fraudulent accounts consist of a loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under th account number XXXX, a credit card opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and credit card opened at XXXX XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX. 

Equifax has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ).

I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations. I've attached all required documents for you to properly process my request in accordance with FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I contacted XXXX for account information as it was reporting on my credit report. When looking for account association no information was able to be discovered. I was instructed to file a report with cfpb.

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 2025-03-04 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: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 non-monetary relief
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear XXXX, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) Account Number : XXXX Reason : Unverified 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 explanation
Consumer complaint received 2025-03-04 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-04 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-04 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Basically my identity got compromise there was several cash app and XXXX and XXXX opened in my name They was cashing checks in my name too There are been several bank accounts open in my name too

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Solar Mosaic LLC
State: CO

Complaint narrative:
I signed an application, unbeknownst to me as the salesperson led me to believe that I was just signing to begin the planning process, for a loan. The loan was approved and the money immediately transferred to XXXX XXXX XXXX XXXX XXXX. Nothing was done as far as planning or services was concerned. I decided to cancel the project. I sent a registered return receipt letter letting XXXX XXXX I intended to cancel. The company recieved my notice on XX/XX/year>. In the meantime the lender Mosaic informed me that I would need to begin making payments XX/XX/XXXX regardless of project status. Mosaic told me that XXXX XXXX must cancel the project and return the money before the loan could be cancelled. I have been unable to get information from freedom forever as to the cancellation process or timeline despite the fact that more than a month has passed since receipt of my notice of cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am a current Capital One member with open accounts in good standing. There is an old credit card account that was settled and closed in XXXX  that is still showing on my Capital One online dashboard and their mobile app 6 years later. After repeated calls to Capital One customer service and technical support they have been unable to provide a solution to remove the charged off account from my online dashboard. They have assured me that the account will be automatically removed after XXXX  days with a XXXX balance. Again, it has been 6 years and the account is still present so obviously this is not the case. I have numerous sources assuring me Capital One has the ability to remove these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report was exposed in the data breach.And multiple inquiries are not from me and need them to be removed immediately please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I provided the credit bureaus with an FTC Identity Theft Report ( # XXXX ), which legally requires them to block and remove these fraudulent accounts from my credit file. 

Despite submitting my dispute with supporting documents, the credit bureau has failed to properly investigate and remove these fraudulent accounts within the XXXX period mandated by XXXX XXXX. XXXX. These fraudulent accounts are negatively affecting my XXXX XXXX and financial well-being. 

The following accounts were fraudulently opened and reported under my name : XXXX XXXX XXXX Account # XXXX Amount : {$1100.00} XXXX XXXX XXXX Account # XXXX Amount : {$490.00} XXXX XXXX XXXX Account # XXXX Amount : {$1000.00} XXXX  XXXX XXXX Account # XXXX Amount : {$22.00} Acceptance Now Account # XXXX Amount : {$2700.00} The credit bureaus are violating the FCRA ( 15 U.S.C. 1681c-2, 1681i ( a ) ( 5 ) ( D ), and 1681s-2 ( a ) ( 6 ) ), which require them to : Block and delete fraudulent information upon receiving my identity theft report ( 15 U.S.C. 1681c-2 ) Notify other credit bureaus of the deletions to prevent reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) ) Prevent creditors from continuing to report fraudulent accounts ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) I am requesting an immediate correction of my credit report and the removal of these fraudulent accounts. I demand that the credit bureau comply with the FCRA and delete this information from my file immediately.

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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have received two emails in regards to this matter & two phone calls. The 1st email was via American Express they were tell me that they needed a payment of {$1400.00} with in 3 days or they were going take further action. As I called to find out what was going on they told me that my credit score had dropped, that I was passed due on an account that had nothing to do with American Express ( yes at this time I had lost employment that I was paying on that account & was in court as to the person that I was making payments. ) That I have not been late & paid over the amount to them and all my other credit cards. So this has nothing to do with them. So why are you doing this you are getting your money with no problem. The agent was rude, mean, demanding, harnessing. They were not willing to listen it was there way or no way. I told them that trying to make someone pay {$1400.00} in 3 days not going to work and that I have " NEVER HAD SOMEONE demand any type of payment like that. That it wasn't going happen, I don't have that kinda of money. So then I received an email from them 4 days latter stating that they were now going to lower my credit limit from {$10000.00} down to $ XXXXThis is the only credit card/account that has even gotten ahold of me. As this account & all others are paid plus. I feel that they are Harnessing and this demanding me to pay no something that is up to date, never been late is very uncalled for and even illegal. After the two agents that I was in contact with this is uncalled for Harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unknown - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXX XXXXInquiry XXXXInquiry XXXX XXXX XXXX XXXXXXXXInquiry XXXX XXXX NAInquiry XXXX XXXX XXXXInquiry XXXXInquiry XXXX XXXXInquiry XXXX XXXXInquiry XXXX XXXXInquiry XXXXInquiry XXXXXXXXInquiry XXXX XXXXLInquiry XXXX XXXXInquiry XXXXInquiry XXXXInquiry XXXX XXXXInquiry XXXX XXXX XXXXInquiry XXXXInquiry XXXX XXXXInquiry XXXXInquiry XXXX XXXXInquiry XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - Incorrect Personal XXXX A XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NY

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief