vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally demand the immediate removal of the following accounts from my credit report due to failure of verification and lack of response within the legally required timeframe : I original filed on XX/XX/XXXXXXXX XXXX  with CFPB after lawsuit to Experian. 

Creditor : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Original Balance : {$XXXX} Balance Updated : XX/XX/year> Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Original Balance : {$XXXX} Balance Updated : XX/XX/year> Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Original Balance : {$XXXX} Balance Updated : XX/XX/year> I filed disputes with the FTC and CFPB on XX/XX/year>, requesting verification of these accounts, including original contracts, my signature, and other supporting documentation proving my liability. I did not receive a response within the required XXXX period. Additionally, the CFPB has since been shut down after filing a report against Experian for failing to properly verify information while still marking accounts as verified. 

As per the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, the burden of proof is on you to verify the accuracy of reported information. Since no documentation proving my legal obligation to these debts has been provided, and your failure to respond violates federal law, I demand the immediate removal of these accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally demand the immediate removal of the following accounts from my credit report due to failure of verification and lack of response within the legally required timeframe : I original filed on XX/XX/XXXXXXXX XXXX  with CFPB after lawsuit to Experian. 

Creditor : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Original Balance : {$XXXX} Balance Updated : XX/XX/year> Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Original Balance : {$XXXX} Balance Updated : XX/XX/year> Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Original Balance : {$XXXX} Balance Updated : XX/XX/year> I filed disputes with the FTC and CFPB on XX/XX/year>, requesting verification of these accounts, including original contracts, my signature, and other supporting documentation proving my liability. I did not receive a response within the required XXXX period. Additionally, the CFPB has since been shut down after filing a report against Experian for failing to properly verify information while still marking accounts as verified. 

As per the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, the burden of proof is on you to verify the accuracy of reported information. Since no documentation proving my legal obligation to these debts has been provided, and your failure to respond violates federal law, I demand the immediate removal of these accounts from my credit file.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I disputed a {$200.00} charge on my Capital One credit card for a hotel stay I did not receive. The room had visible bed bugs and was uninhabitable. I immediately left the property and stayed elsewhere. The hotel refused to issue a refund. 
I submitted supporting documentation, including photos of the infestation, XXXX XXXX receipts showing I left the hotel, and a receipt from the alternate hotel. 
Initially, Capital One said the dispute could not be resolved in my favor because the booking was nonrefundable. When I pointed out that the Fair Credit Billing Act ( FCBA ) covers services not delivered as agreed, that explanation was dropped.

They then stated the dispute could not proceed without a " refund voucher '' from the merchant. When I explained this is not required under federal law, I was explicitly told that Capital One does not follow United States federal law in the handling of their disputes. The manager told me that their dispute process is outside of the scope of the United States law and that Capital One follows internal guidelines. When I asked the Capital One manager specifically to clarify whether this is the case even if the guidelines go against federal law, the representative answered that yes, it is beyond that scope.

This response violates the FCBA and Capital Ones duty to conduct a reasonable, good-faith investigation. I am requesting that the CFPB investigate and ensure this charge is reversed and Capital One is held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: OK

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, 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 explanation
Consumer complaint received 2025-03-31 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: OK

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, 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 2025-03-31 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:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c-2 that you the Experian 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the account in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

I request, pursuant to FCRA 605B 15 U.S.C. 1681c-2 that the EXPERIAN credit reporting agency block all of the accounts, collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
Continuous personal information that has not been updated or is constantly added.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy

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 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I sent money for a video game controller/game to a Cashapp user from a reputable video game XXXX XXXX They scammed me by never showing up to the location place to exchange the items we agreed upon. I notified cashapp of this within 30 minutes of the fraudulent transaction and they told me " there was nothing they would do, notify law enforcement ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of an investigation into inaccurate information on my credit report, which has been open for longer than XXXX  days and remains unresolved. Additionally, the credit reporting agencies continue to report information that is inaccurate and was included without my consent. 

I initiated a dispute on [ XXXX ], and under the Fair Credit Reporting Act ( FCRA ), the investigation should have been completed within 30 days, as outlined in 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). However, to date, the issue has not been resolved, and the inaccurate information continues to appear on my credit report. This delay in addressing the dispute is a violation of my rights under the FCRA. 

Furthermore, the inaccurate information being reported was included without my consent, which is a violation of 15 U.S. Code 1681b ( b ), which governs the permissible purposes for obtaining consumer reports. I have not given authorization to any party to report this information, and its continued presence is damaging my creditworthiness. 

In addition to the above, the credit reporting agency has failed to promptly notify me of the results of the investigation, as required under 15 U.S. Code 1681i ( a ) ( 6 ), and has failed to provide me with written notice of my rights to further dispute the inaccurate information. 

Therefore, I respectfully request that the CFPB intervene to ensure that the credit reporting agencies comply with the FCRA and rectify the situation. Please take the necessary steps to investigate the failure to comply with the 30-day investigation requirement and the continued reporting of inaccurate information without my consent. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of an investigation into inaccurate information on my credit report, which has been open for longer than XXXX  days and remains unresolved. Additionally, the credit reporting agencies continue to report information that is inaccurate and was included without my consent. 

I initiated a dispute on [ XXXX ], and under the Fair Credit Reporting Act ( FCRA ), the investigation should have been completed within 30 days, as outlined in 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). However, to date, the issue has not been resolved, and the inaccurate information continues to appear on my credit report. This delay in addressing the dispute is a violation of my rights under the FCRA. 

Furthermore, the inaccurate information being reported was included without my consent, which is a violation of 15 U.S. Code 1681b ( b ), which governs the permissible purposes for obtaining consumer reports. I have not given authorization to any party to report this information, and its continued presence is damaging my creditworthiness. 

In addition to the above, the credit reporting agency has failed to promptly notify me of the results of the investigation, as required under 15 U.S. Code 1681i ( a ) ( 6 ), and has failed to provide me with written notice of my rights to further dispute the inaccurate information. 

Therefore, I respectfully request that the CFPB intervene to ensure that the credit reporting agencies comply with the FCRA and rectify the situation. Please take the necessary steps to investigate the failure to comply with the 30-day investigation requirement and the continued reporting of inaccurate information without my consent. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this 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 2025-03-31 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: MO

Complaint narrative:
I have tried disputing the account info for discover, XXXX XXXX and XXXX XXXX XXXXnd have received no real update nor written response. Late payments should absolutely not be showing on my credit report, and its a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that all information reported to credit agencies must be accurate, complete, and fair. If these late payments are inaccurate or reflect information that is misleading, they are a direct infringement on my legal rights. The law gives me the right to dispute and correct any errors on my report, and if these payments are incorrect, the credit bureaus and creditors are legally required to remove them immediately. Allowing such mistakes to remain violates my right to a fair and accurate representation of my creditworthiness, and I will not tolerate it. These errors must be fixed without delay, or I will pursue legal action under the FCRA.

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 2025-03-31 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: MO

Complaint narrative:
I have tried disputing the account info for discover, XXXX XXXX and XXXX XXXX XXXXnd have received no real update nor written response. Late payments should absolutely not be showing on my credit report, and its a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that all information reported to credit agencies must be accurate, complete, and fair. If these late payments are inaccurate or reflect information that is misleading, they are a direct infringement on my legal rights. The law gives me the right to dispute and correct any errors on my report, and if these payments are incorrect, the credit bureaus and creditors are legally required to remove them immediately. Allowing such mistakes to remain violates my right to a fair and accurate representation of my creditworthiness, and I will not tolerate it. These errors must be fixed without delay, or I will pursue legal action under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-31 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-03-31 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with explanation