vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: KY

Complaint narrative:
I am requesting that Equifax conduct a proper and thorough investigation of the inaccuracies I have disputed. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to perform a reasonable investigation of any disputed information. Merely responding within 24 hours without any evidence of such investigation does not satisfy this legal obligation. 

Additionally, this practice appears to violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPB has highlighted similar concerns in recent administrative proceedings. 
I expect Equifax to provide evidence of a proper reinvestigation, including documentation or communications with the furnishers of the disputed information. If this matter is not resolved appropriately, I have had no choice but to escalate my complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal recourse. 

I want XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX removed from my report. 

Please confirm receipt of this complaint and provide an update on the steps you are taking to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute an incorrect address listed on my credit report. The address " XXXX XXXX XXXX, XXXX, GA XXXX '' is not associated with me and should be removed from my file immediately. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), you are required to investigate and correct any inaccurate or incomplete information in a consumers credit file. You are further obligated to complete this investigation and notify me of the results within 30 days of receiving this dispute. 

Incorrect Address : XXXX XXXXXXXX XXXX  GA XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX To aid in your investigation, I have enclosed copies of the following documents to verify my identity and correct address : A copy of my government-issued identification ( e.g., drivers license ) A recent utility bill showing my correct address Please note that failure to investigate and correct this inaccurate inform

ation within the required 30-day time frame, as stipulated by the FCRA, may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. Thank you for your prompt attention to this matter. Please confirm in writing that the incorrect address has been removed from my credit report and provide me with an updated copy of my credit report reflecting this correction. 


Enclosures : Copy of drivers license Copy of utility bill

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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Dear CAPITAL ONE I am writing to formally dispute an inaccurate entry on my credit report. The account with CAPITAL ONE and account number XXXX. This inaccurate reporting is negatively impacting my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. 

I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Today Saturday, XX/XX/year>, is now the third day in a row, I can not login to my accounts on capital one website to pay my bills. This is causing confusion and XXXX, as every time I've called, representatives are vague, non descriptive of what is causing the issue, and basically tell me to wait another day. This has been a continuation and the problem still persists. I've had other capital one cards recently that I was an account manager on for my father 's card, and his card was closed, due to a payment bouncing, due to their website issues, which they are acknowledging, however, wouldn't reopen. They still haven't fixed my issue pertaining to my own accounts, and I still can't see anything to pay my bill. Constant error message saying they have hit a snag, when I call, same vague answer with no fixture. I've tried what they suggested, loging into the actual application. Everytime I try, it locks me out, due to another error, that is causing the application to have to verify my every single time, for the past 72 hours. Also, when I speak to a representative on the phone, they say nothing is wrong with my account, and to try back tomorrow. Again, I am at a complete loss. This is causing XXXX  and unease as I need to pay my bills and see my accounts, without having to go through this kind of trouble, specifically when I've done nothing wrong. The problem is still active, no fixture, day three. I am merely writing this because I am certain, tomorrow will be the same exact thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: LA

Complaint narrative:
Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth 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 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 credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXXXXXX  under the account number XXXX, a credit card account opened at XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A student loan account opened at DEPT OF EDXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 # ( private case number ) as proof from the US Federal Trade Commission that all of 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 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX reporting on my credit XXXXXXXX XXXXXXXX XXXX XXXX XXXX  reporting Previous rental companies still reporting on my credit, Etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
I am filing this complaint against Equifax Information Services LLC due to their repeated violations of the Fair Credit Reporting Act ( FCRA ) and their failure to properly investigate disputes I submitted regarding inaccurate information on my credit report. Despite sending multiple dispute letters, Equifax has not conducted the legally required investigations and continues to report inaccurate and unverifiable information. 

Details of Complaint : Equifax has violated several provisions of the FCRA, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in my credit report.

15 U.S.C. 1681i ( 5 ) Failure to delete or modify inaccurate or unverifiable information.

15 U.S.C. 1681s-2 Failure of furnishers to investigate disputes properly and provide accurate information.

15 U.S.C. 1681c ( c ) Inclusion of obsolete information in my credit report.

The inaccurate information Equifax continues to report has negatively impacted my credit score, financial opportunities, and overall well-being. 

Furthermore, I recently learned of the CFPB 's enforcement action requiring Equifax to pay {$15.00} XXXX for improper investigations of credit reporting errors. This demonstrates a pattern of systemic noncompliance with federal law. 

Steps Taken : I have sent multiple dispute letters to Equifax requesting investigations and corrections of the inaccurate information. 

I have provided supporting documentation for each dispute to prove the inaccuracies. 

Despite my efforts, Equifax has failed to correct or delete the erroneous entries and has not provided adequate responses or evidence to verify the information. 

Resolution Requested : I am requesting the following actions from the CFPB to resolve this matter : Require Equifax to immediately conduct a thorough investigation into my disputes and provide a complete and accurate resolution report.

Ensure all inaccurate, outdated, or unverifiable information is permanently deleted from my credit report. 

Impose additional penalties or corrective measures on Equifax for their continued noncompliance with the FCRA. 

Monitor Equifax to ensure adherence to their legal obligations and prevent harm to other consumers.

Supporting Documents : copy of disputes photo id proof of address copy of social security card FTC report/identity theft report Affidavit certify that the information provided in this complaint is true and accurate to the best of my knowledge. I authorize the CFPB to investigate this matter and take appropriate action to ensure compliance with federal law. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX, and Experian never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of XXXX, XXXX, and Experian reporting services.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: KS

Complaint narrative:
I've used Zelle and my money would not go to the right person also money was sent to me thru Zelle that I never received and was told it could not be found when I called to speak to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: LA

Complaint narrative:
To remove negative accounts and bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, la, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute inaccurate information that is currently reported on my credit file. Despite previous attempts to address these issues, the incorrect information has not been corrected. I understand that the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against XXXX due to similar complaints, which indicates a pattern of failure in properly investigating and correcting disputes. 

The following items on my credit report are inaccurate : XXXX. XXXX  XXXX bankruptcy discharged Court info XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX, LA XXXX I have already submitted disputes for these issues and have received no meaningful resolution. The inaccurate information continues to appear on my credit report, which is not only harming my credit score but also potentially violating the Fair Credit Reporting Act ( FCRA ). 

Please investigate this matter thoroughly and provide me with a written explanation of the results. I request that all inaccurate information be corrected or removed as required by law. 

Additionally, under the CFPBs investigation into XXXX practices, I expect a swift and accurate resolution to my dispute, in line with both legal guidelines and industry standards. If this matter is not resolved promptly, I will be forced to escalate my complaint through appropriate legal and regulatory channels. 

Please confirm receipt of this dispute and provide me with an update on the status of your investigation within 30 days. 

Thank you for your immediate attention to this matter. 

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 2025-01-25 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: GA

Complaint narrative:
Disputed multiple accounts that are reporting inaccurately on credit report and the balances which are all incorrect. XXXX refuses to correct the information even when contacting and disputing for them to verify the information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 XXXX, XXXX, Equifax 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 Accounts : XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5800.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$440.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief