vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2025-02-03 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: NC

Complaint narrative:
I HAVE CONTACTED EACH OF THESE COMPANYS AND TOLD THEM THESE CREDIT INQUIRYS ARE NOT MINE I DO NOT HAVE ANY MORTAGE ON ANY OF MY ACCOUNTS PLEASE I WANT THESE REMOVED AT ONCE

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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ] Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my credit report, I noticed incorrect information that needs to be investigated and corrected. The details of the disputed item ( s ) are as follows : Creditor Name : [ Name of the creditor ] Account Number : [ Account number, if available ] Issue : [ Briefly describe the inaccuracy, such as an incorrect late payment, an account that does not belong to you, an incorrect balance, etc. ] To support my dispute, I have attached copies of relevant documents, such as payment records, account statements, or correspondence with the creditor, that verify the correct information. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Please correct or remove the inaccurate information from my credit report and provide me with written confirmation of your findings. 

If you require any additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : [ List any enclosed documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
CFPB I want to submit complaint for the improper use of my important information that was obtained by or several people who used my identity for their own gain that has caused a lot of damage to my credit score and to my own personal financial security. I know 100 % my credit was used improperly and without my consent. My information was linked and use for other people purposes. I need for this information to be handled right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I have been a using the money transfer system doing business as Zelle for 7 years now. I was recently made aware that this company has violated the Electronic Transfer Act according to the FDIC. This means my personal information has possibly been compromised for years. Zelle did not put up proper safe guards and left my money and information at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency ], I am writing to formally dispute the inaccurate information listed on my credit report, which I believe is negatively impacting my financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request a thorough investigation into these inaccuracies and expect that the investigation will be handled in accordance with federal law. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to properly investigate consumer disputes, citing issues such as inadequate investigations, reinserted inaccurate information, and poor notification practices. These issues undermine consumer protections and raise concerns about the integrity of the investigation process. I am worried that my dispute may not be handled properly as a result.

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 2025-02-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency ], I am writing to formally dispute the inaccurate information listed on my credit report, which I believe is negatively impacting my financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request a thorough investigation into these inaccuracies and expect that the investigation will be handled in accordance with federal law. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to properly investigate consumer disputes, citing issues such as inadequate investigations, reinserted inaccurate information, and poor notification practices. These issues undermine consumer protections and raise concerns about the integrity of the investigation process. I am worried that my dispute may not be handled properly as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. Please remove all fraudulent accounts to my report. thanks

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed a collection account on my credit reports several times and XXXX has removed this already. As of now I still have this problem showing up on the other XXXX agencies which is hindering my progress and literally keeping me down. This should have been removed a long time ago but every time a new collection agency has picked this up they have redirected the date and it shows that it is newer than what it really is. The amount is incorrect and the dates are also incorrect. I want this taken off my credit file immediately as it still shows on my transunion and my XXXX. Its affecting my score tremendously and causing to pay more for every item I need to purchase. I have already filed a dispute with transunion and XXXX. Hopefully this issue will be resolved soon. Thank you

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 2025-02-02 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, DE XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the XXXX XXXX being reported.

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 2025-02-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, Transunion, and Equifax to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX, Reference # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2025-02-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, Transunion, and Equifax to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX, Reference # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The account is charged off with a past due balance that is different from the charged off amount. Not only is this inaccurate information, I was also never sent a 1099C form as required by law for the written off debt to be counted as income.This debt is considered a charge off however this is actually considered income because I should have received a 1099C in order to account for this. I'm requesting that this account be removed because it is income and income is nit included on credit reports.

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 2025-02-03 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:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

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 2025-02-02 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I received an email stating they had been contacting me and that my phone number is disconnected. I replied to them and told them that was lie and they had never contacted me. They ate trying to act as if I had no contact with them and they were not responding to me. I requested they send me proof. Of the debt and that they send me proof they had the right to collect on my debt. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law states any account on my credit report that is closed and they are reporting as open is against the law. They are reporting my account as open and is against the law

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

Complaint narrative:
these inquiries i did not authorize, on all my cars i go to the bank and get a draft check to purchase my cars, these were fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
these inquiries i did not authorize, on all my cars i go to the bank and get a draft check to purchase my cars, these were fraudulent

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 2025-02-02 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: GA

Complaint narrative:
I have asked TransUnion and Equifax to remove these accounts and inquiries that they keep reporting, i have shown them that none of these accounts are mine, and have sent them everything needed to prove that these accounts and inquiries are not mine. 

accounts such as : XXXX XXXX XXXX OPENED XX/XX/year>, BALANCE {$730.00} XXXX XXXX XXXX XXXX XX/XX/year>, BALANCE {$480.00} XXXX- XXXX XXXX, XXXX, BALANCE {$7100.00} AND INQUIRIES SUCH AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EVERYTHING I STATED ABOVE IS ILLEGAL PURSUANT TO : 15 USC 1692 15 USC 1601 15 USC 1681 B 15 USC 1681 C-2 AND 15 USC 1602 ( P )

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Consumer Financial Protection Bureau Subject : Immediate Deletion of Inaccurate Accounts from My Credit Report Dear Experian, TransUnion, and Equifax I am writing to formally demand the immediate deletion of the following inaccurate accounts from my credit report. Although these accounts were XXXX  in bankruptcy, you have continued to report incorrect information, falsely stating that I still owe a full balance on each account. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), and you have been reporting these inaccuracies for over a year.

This is my fourth time contacting you in the last 12 months regarding this matter, yet you have failed to take corrective action. 
The following accounts must be deleted from my credit report immediately : XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX ( Account No : XXXX ) XXXX XXXX XXXX Account No : XXXX ) XXXX XXXX ( Account No : XXXX ) XXXX XXXX XXXX ( Account No XXXX XXXX XXXX XXXX XXXX Account No : XXXX ) XXXX ( Account No : XXXX ) Under the FCRA, you are required to maintain accurate credit reporting. Since you have failed to correct these inaccuracies despite ample time to do so, you are now liable for damages. As per FCRA Section 616 and 617, I am entitled to statutory damages of up to {$1000.00} per violation, in addition to punitive damages and attorneys fees. 
If these inaccurate accounts are not deleted immediately, I will have my attorney file a lawsuit against you at your expense. I demand that you provide written confirmation that the above accounts have been removed from my credit report. Failure to comply will result in legal action without further notice. 
This letter serves as formal notice, and I expect a prompt response. Please send written confirmation of the deletions to my address within 15 days of receipt of this letter. 
Sincerely, XXXX XXXX Bankruptcy XXXX  Papers Credit Report Identification

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