vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
On XX/XX/year> I reviewed my credit report and I noticed that there is inaccurate misleading information on my credit report concerning charge offs and collections accounts that have been repeatedly sold and reported multiple times. These practices violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 605,607,623 which mandate the accuracy, fairness and integrity of consumer credit reporting.Under 605 ( a ) of the FCRA reporting agencies must ensure that only accurate information is reflected on credit reports. Repeatedly listing the same debt under different collection agencies or reporting a sold charge -off as still owed by the original creditor constitutes duplicatiative and false reporting. Futhermore section 623 requires data furnishers to provide accurate completion information while section 607 mandates that credit bureaus adopt procedures to assure maximum accuracy. The repeated resale of these accounts have caused significant harm to my credit worthiness and financial well-being and constitutes willful negligent noncompliance with the FCRA. Additionally under section 616 FCRA as a consumer I am entitled to monetary relief for willful violations with statutory damages of {$1000.00} per occurrence in which I am seeking for the harm caused due to their neglect to investigate and correct these errors. Acct : XXXX XXXX ( orig creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ( I never lived at this address nor is this to my ss number? 
XXXX XXXX  ( orig creditor : XXXX XXXX XXXX  ) XXXX ( removed & reinserted ) not notified XXXX XXXX ( chargeoff ) no 1099c received from creditior XXXX XXXX XXXX ( orig creditor ) XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX : XXXX ( chargeoff ) no 1099c received from creditior

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 2025-01-28 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:
On XX/XX/year> I reviewed my credit report and I noticed that there is inaccurate misleading information on my credit report concerning charge offs and collections accounts that have been repeatedly sold and reported multiple times. These practices violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 605,607,623 which mandate the accuracy, fairness and integrity of consumer credit reporting.Under 605 ( a ) of the FCRA reporting agencies must ensure that only accurate information is reflected on credit reports. Repeatedly listing the same debt under different collection agencies or reporting a sold charge -off as still owed by the original creditor constitutes duplicatiative and false reporting. Futhermore section 623 requires data furnishers to provide accurate completion information while section 607 mandates that credit bureaus adopt procedures to assure maximum accuracy. The repeated resale of these accounts have caused significant harm to my credit worthiness and financial well-being and constitutes willful negligent noncompliance with the FCRA. Additionally under section 616 FCRA as a consumer I am entitled to monetary relief for willful violations with statutory damages of {$1000.00} per occurrence in which I am seeking for the harm caused due to their neglect to investigate and correct these errors. Acct : XXXX XXXX ( orig creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ( I never lived at this address nor is this to my ss number? 
XXXX XXXX  ( orig creditor : XXXX XXXX XXXX  ) XXXX ( removed & reinserted ) not notified XXXX XXXX ( chargeoff ) no 1099c received from creditior XXXX XXXX XXXX ( orig creditor ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : XXXX ( chargeoff ) no 1099c received from creditior

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
Equifax at some point stopped updating my existing credit report around XX/XX/year>- they have split my file and it is unable to be pulled from Annual Credit report.com or from Equifax 's website and was unable to be accessed by a lender when unfrozen and unlocked. When I go into Equifax 's system I see only a portion of my accounts and many are missing. However, I did receive a dispute summary that lists accounts that I can't see to dispute so something on their end is still not working regarding my file. Their customer service has been dismissive of this even though it has now been at least almost a month that my file has been inaccessible and previously the only tradelines showing in the backend were not updated since XXXX / XX/XX/year>. I am again requesting they combine any multiple files and ensure accurate reporting and accessiblity to both myself and anyone trying to pull my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit. My account was not properly investigated, one company gave another company my information and that company is trying to collect. According to the Federal Law USC 1681e ( b ) of validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719 1 Presume 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 2025-01-28 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: IN

Complaint narrative:
My informations was in several data breaches and unauthorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: KY

Complaint narrative:
I was XXXX  XXXX to XX/XX/year> Several.items on my credit report are not mine and should be removed because I did not do them and was iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as follows 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these from my credit report pursuant to title XXXX and title XXXX of the privacy act and credit report act I was not giving anyone permissible purpose to send my personal information to XXXX XXXX reporting agencies nor have I signed any contract stating I agree to have my personal information reported by XXXX XXXX reporters or credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 filing a complaint against Equifax for failing to properly investigate my dispute regarding an 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. The practice violates the fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandated a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as Highlighted in the CFPBs recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX owed {$350.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
I am the victim of Identity Theft verified through FTC Identity theft Report # XXXX filed on XX/XX/year>, XXXX XXXX XXXX Police Department ( XXXX ) XXXX Report # XXXX, there are XXXX accounts on my credit report that I have repeatedly disputed with XXXX, XXXX, and TransUnion without the accounts being investigated, blocked or corrected, I repeatedly receive dispute responses telling me that the fraudulent accounts " have been verified '', I need assistance.

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 2025-01-28 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: VA

Complaint narrative:
I am the victim of Identity Theft verified through FTC Identity theft Report # XXXX filed on XX/XX/year>, XXXX XXXX XXXX Police Department ( XXXX ) XXXX Report # XXXX, there are XXXX accounts on my credit report that I have repeatedly disputed with XXXX, Equifax, and XXXX XXXX the accounts XXXX investigated, blocked or corrected, I repeatedly receive dispute responses telling me that the fraudulent accounts " have been verified '', I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report immediately, they are hurting my ability to obtain credit.

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 2025-01-28 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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 werent feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Google Compare Credit Cards Inc.
State: VA

Complaint narrative:
Google partners with XXXX XXXX for various credit services. I have used Google 's XXXX XXXX service as part of my Google XXXX phone service to pay for phones over time ( much like similar services with XXXX or XXXX ). These charges are added to my monthly phone bill, which I autopay. But I have not used XXXX XXXX in Google 's online webstore ( which sells more than just phones ). This fall I purchased a pair of earbuds and a case from Google 's online webstore. Unbeknownst to me, the Google Online store made XXXX the default payment method for my online store account -- instead of my personal XXXX or XXXX ( which is what I usually use ). It was weeks later, when I received a late payment notice from XXXX, that I realized my default payment method had been changed to Google 's partner XXXX -- without notice or input from me. Again, I only ever consented to use XXXX  in conjunction with my wireless phone service ( which is on autopay ). Google appears to have steered me into using XXXX for a different google merchant, which was not on autopay, resulting in missed payments. 

This is akin to opening and using a store card at XXXX XXXX, only to find out later that the XXXX  changed my default payment method to the XXXX XXXX card -- without my notice or consent. 


I would like to know how this happened.

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 2025-01-28 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXXXXXX 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 XXXXXX/XX/year>

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 2025-01-28 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXXXXXX 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was incarcerated for years and upon my first year home, I started receiving bills Ashley furniture. Id purchased furniture from a few places and thought that XXXX was maybe the parent company of XXXX of the others. After months of paying the bill I discovered that XXXX wasnt the parent company of any stores I dealt with. My info had to have been hacked. Ive XXXX for the above to no avail. Ive also attempted to have the XXXX off removed, also to no avail

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 2025-01-28 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: Nelnet, Inc.
State: AZ

Complaint narrative:
Request to Reverse Interest Accrual and Adjust Forbearance Status Dear Nelnet, I am writing to address an issue regarding my loan account and the borrower defense application I submitted in XXXX. Specifically, I want to clarify that I intentionally opted out of borrower defense forbearance when I completed my application. Despite this, my account has recently begun accruing interest, which I believe is in error. When submitting my borrower defense application, I made it clear that I did not want to be placed in borrower defense forbearance, as I preferred to remain on the SAVE ( Saving on a Valuable Education ) plan for forbearance purposes. I noticed that interest on my loans only began accruing recently, not at the time of my application. This indicates a discrepancy that needs to be corrected. I kindly request that you : 1. Reverse all interest accrued on my loans since the time of my application in 2023. 2. Ensure that my loans are no longer placed under borrower defense forbearance. 3. Confirm that my loans are instead aligned with the SAVE plan forbearance, as per my original request. Please provide written confirmation once these corrections have been Thank you for your attention to this issue. I look forward to your resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I emailed Capital One and asked them to abide by the OHIO SCRA laws and apply that to my account and also refund me all the interest I have been overcharged. Capital One then proceeded to send me a letter in the mail that stated that I was ineligible. I sent them my XXXX and XXXX contract with my request that shows my home of record as Ohio and has been such ever since I started XXXX XXXX.

Company response to consumer: Closed with explanation