vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
Subject : Inaccurate and Misleading Credit Reporting - Request for Immediate Deletion of Erroneous Information Details of the Complaint : I am submitting this complaint regarding the inaccurate reporting of a charged-off account by Experian and XXXX, which violates the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve this matter directly with the credit bureaus, the inaccuracies persist. Below are the specific details : 1. Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Charge-Off Date : XXXX 2. Violations of Reporting Standards : Experian continues to report this account as past due with a balance of {$1900.00} as of XX/XX/XXXX, despite the account being charged off in XXXX and written off by the creditor. This misrepresentation violates FCRA guidelines. Once an account is charged off, the creditor can not report it as past due. 
XXXX shows the date of first delinquency ( DOFD ) as XX/XX/XXXX, but also continues to report late payments post-charge-off. Late payments after a charge-off date are legally impermissible and misleading to creditors. 
Both bureaus continue to report the charge-off with inaccurate balances and payment history, even though the debt was declared uncollectible years ago. 
3. Requested Resolution : I demand the immediate removal and permanent deletion of this account from both XXXX and Experian credit reports due to repeated violations of the FCRA. 
Update the account to reflect the correct charge-off status and ensure it is removed according to the 7-year timeline from the XXXX ( XX/XX/XXXX ), per FCRA guidelines. 
4. Harm Caused : These reporting errors have caused me financial harm by lowering my credit score and misrepresenting my creditworthiness to potential lenders. 
5. Supporting Documentation : I have attached copies of my credit reports from both Experian and XXXX, highlighting the erroneous reporting. I have also included the DOFD and charge-off details for reference. 

Action Requested : I am requesting the CFPB hold both Experian and XXXX accountable for violating my consumer rights under the FCRA. I demand the immediate deletion of this account and a full investigation into their non-compliance with federal law. 

If this matter is not resolved promptly, I reserve the right to escalate this issue further, including filing a lawsuit for damages caused by these 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 2025-01-27 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: CA

Complaint narrative:
I requested a investigation and the credit reporting agency is still reporting inaccurate information and it's hurting my chances at getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
XXXX has been on my credit for 6yrs making my credit score and chances of improving it are extremely hard. Also capital one is all hurting my chances of strengthening my credit after being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested a copy of my Credit report from Transunion Consumer Solutions. I was unable to get a copy of the credit report, that I am entitled to every year. Please provide me with a copy of 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 2025-01-27 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Unrecognized Credit Inquiries Reported by TransUnion Dear Sir/Madam, I am writing to formally file a complaint regarding several credit inquiries that have been reported on my credit file by TransUnion, which I do not recognize or authorize. Upon reviewing my credit report, I noticed the following inquiries that I do not recall authorizing or granting permission forXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance/Per I believe these inquiries are either unauthorized or fraudulent, as I have no record or recollection of applying for credit or authorizing these companies to access my credit report. I am concerned that my personal information may have been compromised, or that there is a potential for identity theft.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX, {$1400.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX : XXXX, {$310.00} XXXX XXXX XXXX : XXXX, {$730.00} receivable management : XXXX, {$190.00} XXXX XXXX XXXX XXXX : XXXX, {$2000.00} XXXX XXXX XXXX : XXXX, {$260.00} Subject : Request for

Immediate Removal of Income-Related Information from My Credit Report Due to Violation of 15 U.S.C. 1681 Dear Sir/Madam, I am writing to file a formal complaint regarding the inclusion of income-related information or transactions on my credit report, which I believe violates federal law, specifically 15 U.S.C. 1681a, 1681b, and 1681c. According to the Fair Credit Reporting Act ( FCRA ), it is explicitly prohibited for income or income-related information to be included on a consumer credit report, as outlined under 15 U.S.C. 1681c ( a ) ( 2 ), which restricts the reporting of income or income-related experiences. I have identified that [ insert names of the companies ] have unlawfully included such data on my credit report. This constitutes a clear violation of the provisions governing permissible and lawful information to be reported. Under 15 U.S.C. 1681e, a credit reporting agency is required to ensure the accuracy of the information contained in the consumers credit report, and income-related data should not be part of the credit reporting process. I requested a 1099C and did not receive one. Income can not be on a consumer credit report. Therefore, I respectfully request that the CFPB investigate this violation and take immediate action to ensure the following : The immediate removal of any income-related data or transactions on my credit report, as this information is not permitted under the law. A formal acknowledgment that the involved companies have violated the law and take appropriate action to prevent future occurrences. A written confirmation of the actions taken to resolve this issue. I would also like to emphasize that if these violations are not addressed promptly, I may be forced to pursue legal action to protect my rights under the Fair Credit Reporting Act and any other applicable consumer protection laws. Please consider this matter with urgency, as it is critical to the integrity of my credit profile and compliance with the law. I would appreciate an acknowledgment of this letter and an update on the status of my request within 30 days. Thank you for your attention to this important issue.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$260.00} Subject : Request for Immediate Removal of Income-Related Information from My Credit Report Due to Violation of 15 U.S.C. 1681 Dear Sir/Madam, I am writing to file a formal complaint regarding the inclusion of income-related information or transactions on my credit report, which I believe violates federal law, specifically 15 U.S.C. 1681a, 1681b, and 1681c. According to the Fair Credit Reporting Act ( FCRA ), it is explicitly prohibited for income or income-related information to be included on a consumer credit report, as outlined under 15 U.S.C. 1681c ( a ) ( 2 ), which restricts the reporting of income or income-related experiences.

I have identified that [ insert names of the companies ] have unlawfully included such data on my credit report. This constitutes a clear violation of the provisions governing permissible and lawful information to be reported. Under 15 U.S.C. 1681e, a credit reporting agency is required to ensure the accuracy of the information contained in the consumers credit report, and income-related data should not be part of the credit reporting process. I requested a 1099C and did not receive one. Income can not be on a consumer credit report.

Therefore, I respectfully request that the CFPB investigate this violation and take immediate action to ensure the following : The immediate removal of any income-related data or transactions on my credit report, as this information is not permitted under the law.

A formal acknowledgment that the involved companies have violated the law and take appropriate action to prevent future occurrences.

A written confirmation of the actions taken to resolve this issue.

I would also like to emphasize that if these violations are not addressed promptly, I may be forced to pursue legal action to protect my rights under the Fair Credit Reporting Act and any other applicable consumer protection laws.

Please consider this matter with urgency, as it is critical to the integrity of my credit profile and compliance with the law. I would appreciate an acknowledgment of this letter and an update on the status of my request within 30 days. 

Thank you for your attention to this important issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
XXXX XXXX XXXX  I am writing to file a complaint regarding the validation of a debt on my consumer credit report. I've received several calls which I've requested several times to be removed from the call list. This company calls and requests information about me without even validating who they are or what they are calling about. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company 's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand that these items be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. 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. I respectfully request that your offices provide me with your purchase agreement for this debt and any competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I started calling back in XX/XX/year> around the end of the month to take care of this bill. Capital one said that they couldnt discuss this with me because their attorneys have my file. Whenever I reach out to the company listed at this number, sometimes they will answer and say that the person I need to speak with is not available and that they will give him a message to call me. Ive gotten this message a few times. Ive had capital one transfer me to speak with a supervisor of their attorneys but all they could tell me is that the guy I needed to speak with was on a call and they would email him and let him know I wanted to speak with him. No call back was received. This is now XXXX and nothing. Please help! Im running out of options and patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CFPB, I am writing because I am very upset with the information that I have been getting from Chase Bank and XXXX XXXXXXXX regarding my direct deposit. The deposit was supposed to sent to my account on Friday from XXXX  XXXX and I even double checked with them for clarity to make sure that this was sent. Its extremely important that I am able to have access to my funds. I have been waiting very patiently to receive my funds and I no longer have the patience anymore. Something needs to be done about this. This isnt the way to be treating a consumer. This is just so wrong on so many levels. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that bi 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 federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumers disputes, citing " sham investigations '' and other unlawful practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting perviously 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 inaccurate information 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 2025-01-27 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: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I have marked XXXX XXXX  and XXXX XXXX XXXX as inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Innovis regarding their elusive practices and lack of accessible mechanisms to manage adverse reporting. Unlike XXXX, XXXX, and XXXX, Innovis does not provide the same user-friendly interface or readily accessible methods to dispute errors, access credit reports, or monitor adverse items in a timely manner. 

Innovis reports information that adversely impacts consumer credit but fails to uphold the same standards of transparency and consumer engagement maintained by the other major credit reporting agencies. Specifically : 1. Access to Credit Reports : Innovis does not provide an intuitive, readily available platform for consumers to request and access their credit reports online. 

2. Dispute Resolution Mechanism : There is no clear or efficient process for disputing inaccurate or incomplete information reported by Innovis. 

3. Adverse Impact : Due to the above deficiencies, consumers are left unaware of potential inaccuracies or derogatory entries reported by Innovis until they encounter issues during credit checks or loan applications. 

This lack of accessibility directly violates the spirit of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies provide clear, reasonable, and consumer-friendly mechanisms to access and dispute credit information. 

I request that the CFPB investigate Innoviss practices to ensure they align with the legal standards expected of credit reporting agencies. Specifically, Innovis should be required to : 1. Develop and maintain an accessible interface for consumers to request, review, and dispute their credit information.

2. Implement an efficient and transparent dispute resolution process.

3. Provide clear and proactive communication to consumers regarding adverse entries on their credit reports. 

Thank you for your attention to this matter. I trust the CFPB will hold Innovis accountable for ensuring fair and equitable treatment of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: LEXISNEXIS
State: TX

Complaint narrative:
I am filing this complaint against XXXX regarding their elusive practices and lack of accessible mechanisms to manage adverse reporting. Unlike XXXX, XXXX, and XXXX, XXXX does not provide the same user-friendly interface or readily accessible methods to dispute errors, access credit reports, or monitor adverse items in a timely manner. 

XXXX reports information that adversely impacts consumer credit but fails to uphold the same standards of transparency and consumer engagement maintained by the other major credit reporting agencies. Specifically : 1. Access to Credit Reports : XXXX does not provide an intuitive, readily available platform for consumers to request and access their credit reports online. 

2. Dispute Resolution Mechanism : There is no clear or efficient process for disputing inaccurate or incomplete information reported by XXXX. 

3. Adverse Impact : Due to the above deficiencies, consumers are left unaware of potential inaccuracies or derogatory entries reported by XXXX until they encounter issues during credit checks or loan applications. 

This lack of accessibility directly violates the spirit of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies provide clear, reasonable, and consumer-friendly mechanisms to access and dispute credit information. 

I request that the CFPB investigate XXXX practices to ensure they align with the legal standards expected of credit reporting agencies. Specifically, XXXX should be required to : 1. Develop and maintain an accessible interface for consumers to request, review, and dispute their credit information.

2. Implement an efficient and transparent dispute resolution process.

3. Provide clear and proactive communication to consumers regarding adverse entries on their credit reports. 

Thank you for your attention to this matter. I trust the CFPB will hold XXXX accountable for ensuring fair and equitable treatment of consumers.

Company response to consumer: Closed with explanation