vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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:
The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my wtten instructons.

I haven't given these accounts written permission to furnish these accounts on 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 2025-01-09 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: NJ

Complaint narrative:
The following inaccuracies on my credit report are incorrect and must be removed as they do not belong to me and may cause confusion or misrepresentation of my personal information. Inaccurate name variation, XXXX XXXX. The incorrect address variation, XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX. My current employer is XXXX XXXX XXXX XXXX, remove other variations of my employer. I request that my credit report be updated to include only accurate and verified information. Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c, consumer reporting agencies are required to ensure the accuracy of the information in their reports. Failure to correct inaccurate information is a violation of federal law. Lastly, I encourage a review of my credit report for any other inaccuracies to ensure its accuracy and integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-09 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: FL

Complaint narrative:
C/O XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Experian - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ca XXXX Subject : Dispute of Improper Reinserted Inaccurate Information and Sham Investigations Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the improper reinsertion of inaccurate information onto my consumer credit report and the handling of my recent dispute. It is my understanding that your company is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of the information provided in consumer reports, and that any disputes raised must be investigated thoroughly and promptly. 

I have recently noticed that inaccurate information that was previously removed from my credit report has been wrongfully reintegrated. This includes [ insert brief description of inaccurate item ( XXXX ) and dates ], which I had successfully disputed and were removed in prior reports. However, these items have reappeared without proper notification, violating the FCRA 's rules regarding reinsertion of disputed information. 

Additionally, my recent experience with the dispute process has shown that it was handled in a manner that can only be described as a " sham investigation. '' Specifically, I believe that Experian failed to conduct a proper investigation into my dispute, as there was no meaningful review of the evidence I provided, nor did I receive a comprehensive response outlining the outcome or justification for the decision. I was left with no clear indication of how or why the inaccurate information was left intact. 

I urge Experian to conduct a thorough, fair, and detailed reinvestigation of my dispute and to permanently remove any erroneous information from my report. I also request a full explanation of how this process was carried out and the specific reasons the disputed information was reinserted. 

Under the FCRA, you are required to investigate any dispute thoroughly, correct any inaccuracies, and ensure that consumer reports remain a true and fair representation of an individual 's credit history. Please confirm in writing the steps you are taking to resolve this issue and ensure compliance with applicable laws. 

Should this matter remain unresolved, I will have no choice but to consider further actions, including lodging complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available to me 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 explanation
Consumer complaint received 2025-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) .This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX 2.7 Billion Records The biggest breach of the year XXXX involved a hacking group claiming to have stolen 2.7 billion personal records, affecting nearly every United States, XXXX, and the XXXX XXXX XXXX. The stolen data includes U.S. Social Security numbers, with some information already leaked on the dark web. While experts are still analyzing the scope of the breach ( since there are far fewer than 2.7 billion individuals in these three countries ), its likely that most, if not all, Social Security numbers have been compromised. 
XXXX XXXX XXXX XXXX Million Records Hackers breached XXXX XXXX XXXX XXXX compromising the data of 73 million current and former customers. This breach included sensitive information such as Social Security numbers, account details, and passcodes. Most alarmingly, much of the exposed data dated back to XXXX or earlier and was discovered on the dark web in XX/XX/XXXX. This marks the second significant attack on XXXX XXXX XXXX in recent years, following a XXXX breach affecting nine million customers.

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 2025-01-09 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: IL

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : 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 XXXX XXXX XXXXhese 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 ( XXXX ) 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 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 2025-01-09 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient has me listed as paid on time from XX/XX/XXXX thru XX/XX/XXXX but then lists me as 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX. This timeframe was listed as a forbearance and Navient stated in XX/XX/XXXX my credit report would be corrected but never was. I submitted a dispute letter to XXXX, XXXX and XXXX in XX/XX/XXXX with no response and again in XX/XX/XXXX with no response or correction to the my credit report. I even included a copy of my XX/XX/XXXX credit report to all three agencies. 

I received notice last month that Navient is no longer allowed to handle student loans due to a law suite . This error has negatively impacted me for over a year and is still impacting my ability to acquire fair credit. 

Navient, XXXX, XXXX and XXXX failed to what was required of them by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MI

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally address a dispute with my auto lender, Capital One, regarding discrepancies in my account balance and ongoing settlement discussions. 

Details of the situation : Date of total loss : My vehicle was declared a total loss on XX/XX/year>. 
Letter from lender ( Capital One ) : Prior to the total loss declaration, I received a letter from Capital One dated XX/XX/year>, stating that my account balance was {$0.00}. This letter was issued as part of a settlement agreement cancellation. 
Previous settlement : I had previously entered into a settlement agreement with Capital One, which had been cancelled over a year prior. This cancellation letter indicated a different balance owed, which was inconsistent with the {$0.00} balance letter issued later. 
Charged-off account : Prior to receiving the letter stating the {$0.00} balance, my account had already been charged off by Capital One, and they were actively pursuing payment for the charged-off balance. 
Despite the {$0.00} balance stated in the letter, the lender has continued to send me settlement offers with different amounts. These offers, however, do not formally indicate that the balance has been satisfied. While I acknowledge that I may owe an amount, the inconsistency between the letter stating the {$0.00} balance and the subsequent settlement offers is causing confusion. 

Questions and concerns : Accountability for the {$0.00} balance letter : Can I hold Capital One accountable for issuing the letter stating my account balance was {$0.00}, even if it was sent in error? 
Continuing pursuit of payment : Is the lender legally allowed to continue pursuing payment after issuing a letter stating that the balance was {$0.00}? 
Effect of charged-off vehicle : How does the vehicle being declared a total loss and the account being charged off affect my legal rights and obligations in this case? 
Steps to resolve the issue : What steps can I take to resolve this matter or negotiate a favorable settlement with Capital One? 
I am seeking legal advice and clarification regarding my rights and options in this situation. I would greatly appreciate your guidance on how to proceed. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I never received my refund check from the recent lawsuit that was filed against Lexington law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I called on XX/XX/XXXX to request an electronic and paper statement of the debt owed. I called back in XXXX XXXX about this, but I never received anything. Today I asked for anything showing the debt balance and the account number so I can take it to my consolidation company. Please help. The last four of the account are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account on XX/XX/year> with Capital one. I waited to fund it because I was working that week. I signed up to use XXXX on XX/XX/XXXX as well so I could route money sent between me and my mother and a few others who I send and receive from through my new account to be able to fund it and also to be able to save it and begin using my new account as it was intended to be my primary banking account. On XX/XX/XXXX a family friend sent me money through XXXX as she has been doing for at least 6 years. On the XXXX it was declined by the bank and I was emailed that my account was restricted. I immediately called the bank to inquire why this had happened. While talking to the agent she couldnt find a reason as to why this had taken place. The only questions she asked was if I had other numbers which I answered yes because I have 2 different phone numbers that I possess, did I use a different email to sign up with which I did not and do I know someone named XXXX which I also responded that I did not. She spoke to someone for several minutes and after about XXXX to an hour I was told that everything had been resolved and that I was now able to use my account again and all I had to do was re register for XXXX. Which I attempted and was met with a error so I used my second number which was also registered with that account. It was accepted so I sent a request this time to the person again to receive the money she was supposed to send. On the XXXX it was denied by Capital One again and my account restricted again so as before I called to see the reason. I was met with them stating that it was being investigated. Today I was called and emailed saying it was under investigation for unusual activity which baffles me because I just opened this account so how can anything be unusual when its literally my first transaction on this account to which I was told my account would be closed. When I asked I was told something along the lines of fraudulent activity which astonished me because there wasnt anything done fraudulently on my behalf. I was given no further information and I dont feel as if any of it was fair. I only wanted to open a bank account with a bank that my mother has banked with for years to help me build my savings and hopefully my credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair Collections & Outsourcing XXXX XXXX XXXX, XXXX XXXX, MD XXXX Dispute of Debt - Account # XXXX Dear Fair Collections & Outsourcing, I am writing to formally dispute the validity of the debt referenced above, as reported on my credit file. This is a formal request for validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The account in question, dated XX/XX/year>, indicates a balance of {$4200.00}, with no recent payment history or breakdown of charges. I am disputing this account because I do not recognize this debt and believe it may be inaccurate or incomplete.

Under federal law, you are required to provide the following information to validate the debt : 1. Proof that this debt is accurate and belongs to me.

2. A detailed accounting of the debt, including how the balance of {$4200.00} was calculated.

3. A copy of the original contract or agreement that establishes my obligation to pay.

Additionally, if you can not provide sufficient evidence that this debt is valid and legally enforceable, I request that you cease all collection activity, including reporting this account to credit bureaus, and promptly remove it from my credit report.

I also request that you provide all correspondence regarding this matter in writing and refrain from contacting me via phone. If you fail to comply with this request, I will consider reporting your actions to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies for violations of my consumer rights.

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