vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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:
XX/XX/XXXXXXXX To whom it may concern : I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. If you are notable to do so, then I will need to pursue legal action. Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX I am writing to dispute the inaccurate reporting of the account XXXX XXXX XXXX with number XXXX on my credit report. This account is currently reflected as CollectionOrChargeOff, with an opening date of XXXX, a date of last activity of XXXX, and was last verified on XXXX. This information is incorrect, and I am formally requesting that this account be removed immediately. As outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccurate information and have it corrected or deleted if it can not be verified. Therefore, I request that you provide the documentation used to verify this accounts accuracy, including proof of the {$1500.00}, as I dispute this amount.

Two legal cases further highlight the obligations of credit reporting agencies. In Dalton v. Capital Associated Industries , Inc., 257 F.3d 409 ( 4th Cir. 2001 ), the court ruled that failure to conduct an adequate investigation into a consumer dispute is a direct violation of the FCRA. This case underscores your responsibility to investigate and rectify any inaccuracies promptly. Similarly, Bryant v. TRW , Inc., 689 F.2d 72 ( 6th Cir. 1982 ) reinforced that inaccurate or unverifiable information must be corrected or removed from a consumers credit report. The precedent set in these cases supports my demand for a thorough investigation into the inaccuracies on my report. 
Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.

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 2025-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX opened a 360 savings account with capital one under the impression of a favorable interest rate and have only received rates of return in cents dollar amount it was misrepresented as high yield. Capital One Class Action Settlement XXXX Eligibility Requirements. You have account in Company under lawsuit between XX/XX/XXXX, and XX/XX/XXXX. Must be resident of America who had a credit card or Capital One banking account at the time of the hack. I have held multiple credit cards during these periods and checking and savings accounts. Capital One made the 360 Savings and 360 Performance Savings accounts look similar to confuse customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
Ive been a victim of identity theft an trying to remove these fraud accounts from my report and the credit reporting agencies keep reporting it! Their response is because a payment was made on the fraud accounts. Im ready to take this legally

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 2025-02-01 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: NY

Complaint narrative:
Ive been a victim of identity theft an trying to remove these fraud accounts from my report and the credit reporting agencies keep reporting it! Their response is because a payment was made on the fraud accounts. Im ready to take this legally

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: VA

Complaint narrative:
I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AR

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate address information that appears on my credit report. My name is XXXX XXXX, and my only address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This is the address listed on my driver 's license, and I do not have any other addresses. However, I have noticed multiple addresses appearing on my credit reports that do not belong to me. 

These inaccuracies are causing confusion and may negatively impact my creditworthiness. I kindly request that you investigate this matter and assist in removing the incorrect addresses from my credit report. 

Please find my contact information above, and do not hesitate to reach out if you need any further information to resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate address information that appears on my credit report. My name is XXXX XXXX, and my only address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This is the address listed on my driver 's license, and I do not have any other addresses. However, I have noticed multiple addresses appearing on my credit reports that do not belong to me. 

These inaccuracies are causing confusion and may negatively impact my creditworthiness. I kindly request that you investigate this matter and assist in removing the incorrect addresses from my credit report. 

Please find my contact information above, and do not hesitate to reach out if you need any further information to resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
XX/XX/year>2024, I sent in a dispute packet to all three credit bureaus with a statement about the identity theft I am suffering from and a copy of my credit report from all three credit bureaus and a copy of my license and social security card and a copy of an FTC report and Police report. I sent in a demand to comply letter 30 days later and I still have yet to hear from these companies. I demand these inaccurate fraudulent accounts be removed immediately from my credit report being that I am an identity theft victim. My life has been in shambles because of these discrepancies. I have them well over 30 days before contacting this agency. The only response I get from Experian are emails saying it has been such and such days since your dispute, but the days are always mixed up and appear less times than when I actually sent it then the number will change in a different direction, but all does not make sense!

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Exuifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Exquifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding ( File NO. 2025-CFPB-0002 ) against then for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The account is XXXX XXXX XXXX XXXX I keep marketing as inaccurate. They keep renewing this account on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
I don't remember exact date it was around a year and half ago.someone was supposed to be sending me money for a item I had posted on line so I provided my cash tag for my cash app card so that they could send the money for the item. Instead around XXXX minutes later I received a text messages saying that my phone number had beunlinked from my cash app I immeititly tried to log into my cash app account and I couldn't because someone had changed all my login information ... They had stole my account. I am completely in a panic and I call the supposed to be customer service number to speak with someone at cash app Whoever was supposed to buy the item was a scammer and had took over my account and all the money I had to my name XXXX XXXX and XXXX dollars and cashapp says there's nothing they can do about it because they don't know how to track the scammers they have done this before I was screaming at the man because how is there nothing you can do when it's y'all 's responsibility do keep my money safe I'm trust your app to hold my money I ask to speak with a manager and crying and yelling and she says they would look into it and see if there was something they could do but that I shouldn't get my hopes up I never got my money back or a even a apologie. I even believe scammers are still scamming people threw the app. They havent stopped it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is avoiding my dispute letter to request a proper investigation into my credit report. I have sent dispute letters via mail requesting all negative accounts to be thoroughly investigated, but Experian sent emails stating my request does not appear to be sent directly from me.

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 2025-02-01 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau** Office of Consumer Response XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX **Federal Trade Commission** XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX **Subject : Formal Complaint Regarding Inaccurate Reporting and Lack of Investigation** Dear Sir/Madam, I am writing to formally express my dissatisfaction with TransUnion 's handling of my recent dispute concerning the removal of my XXXX XXXX XXXX XXXX account from my credit report. 

On XX/XX/XXXXXXXX  I discovered that my XXXX XXXX account was removed from my credit report, prompting me to initiate a dispute to clarify the circumstances surrounding this action. I was assured that an investigation would take place to address my concerns. However, as of today, XX/XX/XXXX, I have yet to receive any satisfactory resolution or communication regarding the findings of this investigation. 

It is imperative to highlight that if a credit reporting agency fails to report all relevant information about a consumer 's credit history, it constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This law mandates that CRAs maintain accurate and complete credit reports, including all pertinent details about a consumer 's accounts and financial activity. The lack of transparency and failure to provide a thorough investigation into my dispute is not only frustrating but also undermines my rights as a consumer. 

Due to the removal of my XXXX XXXX account without proper justification or communication, my credit score has suffered significantly. I have been adversely affected in my ability to secure future credit opportunities, and my trust in TransUnion has diminished. 

I urge your offices to investigate this matter and provide guidance on how I can resolve this issue with TransUnion. I expect a prompt response outlining any steps you may take to address this situation and ensure compliance with the FCRA. 

Thank you for your attention to this serious matter. I look forward to your swift response. 

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 2025-02-01 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses to furnishers, and failing to adequately notify consumers of dispute outcomes. These failures align with experience, where Experian has neither corrected nor remove disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-01 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: DC

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. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 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 response to consumer: Closed with non-monetary relief