vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/XXXX/2024 XXXX  XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA, XXXX Subject : Request for Blocking of Negative Information Under 15 U.S.C. 1681c-2 Dear Equifax , Negatives items was reinserted on my credit report without proper investigation and I was never notified or identified any disclosure and its been more than 5 days, I never receive any certification of accuracy to prove this is information should be reinserted on my credit report. 

I am writing to formally request the blocking of certain negative information on my credit report pursuant to 15 U.S. Code 1681c-2, which governs the obligations of consumer reporting agencies regarding identity theft and inaccurate reporting. 

According to the statute, credit reporting agencies are required to block information that resulted from identity theft or other unauthorized transactions when a consumer provides the necessary documentation. I have identified the following negative items on my credit report that I believe are inaccurate or fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I am providing the following supporting documentation to validate my claim and request the immediate blocking of these accounts : A copy of my government-issued ID A copy of a police report or identity theft affidavit Any additional evidence demonstrating the fraudulent nature of the accounts I request that these items be blocked and removed from my credit report immediately, as required by law. Additionally, please provide me with written confirmation of the actions taken regarding this request. 

Failure to comply with this request may result in further legal action, including a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Please confirm receipt of this request and provide a response within the time frame established by the Fair Credit Reporting Act ( FCRA ). 

Sincerely, 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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA, XXXX Subject : Request for Blocking of Negative Information Under 15 U.S.C. 1681c-2 Dear Equifax , Negatives items was reinserted on my credit report without proper investigation and I was never notified or identified any disclosure and its been more than 5 days, I never receive any certification of accuracy to prove this is information should be reinserted on my credit report. 

I am writing to formally request the blocking of certain negative information on my credit report pursuant to 15 U.S. Code 1681c-2, which governs the obligations of consumer reporting agencies regarding identity theft and inaccurate reporting. 

According to the statute, credit reporting agencies are required to block information that resulted from identity theft or other unauthorized transactions when a consumer provides the necessary documentation. I have identified the following negative items on my credit report that I believe are inaccurate or fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I am providing the following supporting documentation to validate my claim and request the immediate blocking of these accounts : A copy of my government-issued ID A copy of a police report or identity theft affidavit Any additional evidence demonstrating the fraudulent nature of the accounts I request that these items be blocked and removed from my credit report immediately, as required by law. Additionally, please provide me with written confirmation of the actions taken regarding this request. 

Failure to comply with this request may result in further legal action, including a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Please confirm receipt of this request and provide a response within the time frame established by the Fair Credit Reporting Act ( FCRA ). 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/year>2023 I deposited my check into my capital one savings account I was told after 7 days if my check don't return I can access my funds 7 days went by my check was paid out I never had access to my account 6 months went by my money was earning interest the 7 month my account was closed they sent me a check for the interest my check received which was XXXX but they never sent my check it was XXXX they told me they sent it back which is not true my account say withdrawal of XXXX when I asked about it all they do is lie they took my money out my account n sent me the interest my check earned for sitting if my check was sent back I wouldn't never receive a internest check 7 months later come on capital one is B 's they took my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
My TransUnion credit report contains unauthorized third-party supplemental information from XXXX, requested by XXXX XXXX XXXX XXXX XX/XX/year>2020. I did not authorize this data to be included in my report, which violates FCRA 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ky XXXX XXXX XXXX XXXX2025 Subject : Dispute of Accounts & Civil Liability for Negligent Non-Compliance under 15 U.S. Code 1681o Dear To whom it may cooncern, I am writing to formally dispute the following accounts that have been reported inaccurately or maintained in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking 15 U.S. Code 1681o regarding civil liability for negligent non-compliance. 
The accounts in question are : XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Bankruptcy Reference Number : XXXX These accounts have been inaccurately reported, and I believe your company has been negligent in ensuring compliance with FCRA regulations. This negligence has resulted in financial harm and undue burden upon me. Per FCRA guidelines, I demand an immediate investigation and correction of any erroneous information related to these accounts. 
Additionally, under 15 U.S. Code 1681o, you may be held civilly liable for negligent non-compliance, and I am prepared to seek legal remedies should this matter not be resolved promptly. 
Please take the following actions immediately : XXXX. Conduct a thorough investigation of the listed accounts. 
XXXX. Provide me with written verification of the accuracy of these accounts or delete the inaccurate entries. 
XXXX. Remove any incorrect negative marks associated with these accounts. 
XXXX. Provide a written response confirming compliance within 30 days of receipt of this letter. 
Failure to comply with this request may result in legal action to enforce my rights under the Fair Credit Reporting Act, including claims for damages and attorney fees as allowed under 15 U.S. Code 1681o. 
Please consider this letter as a formal request under the FCRA. I expect a written response within 30 days. You may send correspondence to my address listed above. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I contacted Bank of America about inaccurate info provided to credit bureaus causing denied loan applications and poor score as well as history the bank says they charged off my balance and closed accounts but I paid my balances before they would close the accounts I only was a few days late for one payment and was new to credit so I paid my balances and closed the accounts because I didn't understand what I was getting into the bank never reported any of my good history or balance paid on time and falsely stated a charge off and won't give me access to my statements for the XXXX closed accounts but said they would send the statements in a month I would get it but never did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$27000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$330.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
Ford Credit Motor Financial Department! Was To Put The {$9900.00} Dollars Back Into My Account. They? Took Money Out Of My Bank Account! Without Asking Me. I Got The Letter From Them! That! They Will Refund Me For {$9900.00} Dollars! They? Never Did. They Send The Letter On XXXX XXXX2025. BUT? They Never Put The Date On When! I Will See The Money. Just! Said That I Will Get The Money. It Has Been 18 Days! That I Haven't Seen The Money Back Into My Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Attorney General of Texas Consumer Protection Division Office of the Attorney General Subject : Formal Complaint Against Credit Bureaus for Unauthorized Account Disputes and Resulting Harm I am writing for the ninth time to formally file a complaint against XXXX, XXXX, and Experian for inaccurately marking my credit card accounts as being in dispute or fraudulent. 
This wrongful reporting has led to severe and unjust consequences, including the closure of XXXX of my autopayment accountsXXXX  and XXXX to declined credit card transactions. 

To clarify, my dispute with the credit bureaus was strictly regarding the inaccurate information on my credit reports, including incorrect open dates, payment history, missing payments, and accounts with no data at all. At no point did I dispute any of my active credit card accounts or my student loans, which I fully acknowledge as mine. Despite this, the credit bureaus erroneously flagged these accounts, causing significant harm to my financial stability. 

Additionally, the credit bureaus acted unlawfully by removing me as an authorized user from my husbands credit card without my consent or his authorization, violating both my rights and his financial privacy. 

The consequences of these errors have been devastating. Accounts have been closed without my consent, negatively affecting my financial well-being and credit standing. This unwarranted action has disrupted my ability to manage my finances effectively and has caused undue hardship. 

I request immediate corrective action, including : The removal of any false dispute or fraud notations on my credit card accounts. 

Restoration of my authorized user status on my husband 's account. 

The three credit reporting agencies must contact all of my credit card accounts to have all my accounts reinstated and provide me with documentation confirming these actions. 

A written response explaining how these errors occurred and what steps will be taken to prevent such incidents in the future. 

I am seeking intervention from your offices to ensure these credit bureaus comply with the law and rectify the harm they have caused. Please advise me on the next steps in resolving this matter. 

I appreciate your prompt attention to this complaint. I look forward to your response and a resolution to this matter. Please feel free to contact me at the information provided above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc.
State: MO

Complaint narrative:
I'm getting charge for Montgomery ward and 7th Avenue credit charge and it wasn't me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Applied for a {$1000.00} loan in which {$220.00} was available immediately upon approval with the rest released after final payment of the full {$1000.00}. A separate monthly subscription was required to access this loan. Within a week of approval, with no other use of the app, my account was frozen. The weekly loan payments and Monthly subscription fees are still charged but I can not access my account or the rest of the loan when it releases. I have requested information from the company. They are not cooperative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
XXXX was unwilling to fix the error on the credit report that shows a settlement as a repossession. I went to buy a new car and couldn't because of erroneous information. During the Pandemic I called and spoke to a representative to settle the balance of the loan due to loss of wages. The representative stated it would be deleted off my credit report once I settled. But it is still showing and when I called XXXX now, 3 years later due to it showing on my credit report the representative said they don't do " pay to delete '' but the original person I had spoken to years ago had verbally stated they would. It also shows as a repossession when the vehicle never left my property and was never taken by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
XXXX was unwilling to fix the error on the credit report that shows a settlement as a repossession. I went to buy a new car and couldn't because of erroneous information. During the Pandemic I called and spoke to a representative to settle the balance of the loan due to loss of wages. The representative stated it would be deleted off my credit report once I settled. But it is still showing and when I called XXXX now, 3 years later due to it showing on my credit report the representative said they don't do " pay to delete '' but the original person I had spoken to years ago had verbally stated they would. It also shows as a repossession when the vehicle never left my property and was never taken by 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 non-monetary relief
Consumer complaint received 2025-02-14 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:
XXXX was unwilling to fix the error on the credit report that shows a settlement as a repossession. I went to buy a new car and couldn't because of erroneous information. During the XXXX I called and spoke to a representative to settle the balance of the loan due to loss of wages. The representative stated it would be deleted off my credit report once I settled. But it is still showing and when I called XXXX now, XXXX years later due to it showing on my credit report the representative said they don't do " pay to delete '' but the original person I had spoken to years ago had verbally stated they would. It also shows as a repossession when the vehicle never left my property and was never taken by 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 2025-02-14 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: PA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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