vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
After reviewing my credit report, I identified several errors related to this account that render its reporting inaccurate and misleading. These issues include : Account Information : Account Number : XXXX Balance : {$XXXX} Status : Closed 1. Future Dates Reported The Date Last Active and Last Reported are listed as June 4, 2024, which is a date in the future. This is factually incorrect and violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information in a consumer report be accurate and verifiable. 



2. Closed Status with an XXXX XXXX The account is marked as Closed, yet it shows an outstanding balance of {$XXXX}. If the account is closed, there should be no remaining balance unless explicitly clarified as a charge-off. The current reporting creates confusion and inconsistency. 
3. Missing and Incomplete Information The account is missing critical data necessary for verification, including : Date of Last Payment High Credit ( original credit amount ) Past Due Amount Incomplete reporting violates the FCRAs requirement for accuracy and completeness.

4. Ownership and Status Unclear The account is reported as Collection or Charge-Off, but it fails to specify whether the debt is owned by the original creditor or has been sold to a collection agency. This lack of transparency can result in duplicative reporting.

5. Disputed Status Not Resolved The account includes the comment Account Information Disputed by Consumer, but no resolution or update appears to have been made. Failure to investigate and resolve a prior dispute is a direct violation of the FCRA.

Request for Removal Due to the significant inaccuracies, unverifiable information, and incomplete reporting, I request that this account be removed from my credit report in accordance with the FCRA. If the furnisher of this information can not provide evidence of its accuracy and completeness, it must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
After reviewing my credit report, I identified several errors related to this account that render its reporting inaccurate and misleading. These issues include : Account Information : Account Number : XXXX Balance : {$XXXX} Status : Closed 1. Future Dates Reported The Date Last Active and Last Reported are listed as June 4, 2024, which is a date in the future. This is factually incorrect and violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information in a consumer report be accurate and verifiable. 



2. Closed Status with an XXXX XXXX The account is marked as Closed, yet it shows an outstanding balance of {$XXXX}. If the account is closed, there should be no remaining balance unless explicitly clarified as a charge-off. The current reporting creates confusion and inconsistency. 
3. Missing and Incomplete Information The account is missing critical data necessary for verification, including : Date of Last Payment High Credit ( original credit amount ) Past Due Amount Incomplete reporting violates the FCRAs requirement for accuracy and completeness.

4. Ownership and Status Unclear The account is reported as Collection or Charge-Off, but it fails to specify whether the debt is owned by the original creditor or has been sold to a collection agency. This lack of transparency can result in duplicative reporting.

5. Disputed Status Not Resolved The account includes the comment Account Information Disputed by Consumer, but no resolution or update appears to have been made. Failure to investigate and resolve a prior dispute is a direct violation of the FCRA.

Request for Removal Due to the significant inaccuracies, unverifiable information, and incomplete reporting, I request that this account be removed from my credit report in accordance with the FCRA. If the furnisher of this information can not provide evidence of its accuracy and completeness, it must be deleted.

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My husband recently opened a checking account with Capital One as it was our intention to transfer our funds and direct deposits there. 

We called on XX/XX/XXXX and we're transferred three times to three different departments. We started with banking, was transferred to credit, and then the internet team, and then finally I was transferred to a supervisor. That supervisor said the only thing preventing me from being added to the account was my last name being incorrect on an old account. She said once it was updated, there would be no issue.

I updated my last name with Capital One and continue to try adding myself to the account with further errors. I called again today, XXXX. I was transferred twice again. This time I was informed that I am not eligible for an account and would receive a letter. 

Due to the first SUPERVISORS assurance that I would be added to this account, we diverted funds there that now can not be changed back until after our deposit date, but I am not eligible to be on the account, for reasons unknown. It seemed like discrimination to me. 

I asked the supervisor I spoke with today what i was supposed to do about that and he told me it was a good question. He didn't know the answer. Also there is not another supervisor he could ask. 

Nobody will help me for some reason and I get the run around every time I call. I feel I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
Dear reader, The FTC has alerted me on this day that it has been 5 days since the initial receipt of our Identity theft submission. I have followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the Equifax data breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely.

This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report. 

I am submitting this document for the expungement of the information disclosed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
Subject : Request for Blocking and Deletion of Accounts Due to Data Breach I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts being added to my credit report. As such, I am requesting that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as they were opened without my consent. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
In accordance wiith the fair credit reporting act account # XXXX and Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States i have the right to privacy.

15 U.S.C. 1682 Section 604 A Section 2. It also state a consumer reporting agency can not furnish a account without my written instructions.

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 2025-02-04 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-02-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am reporting the unauthorized reinsertion of a fraudulent account on my credit report, tied to an identity theft incident involving XXXX XXXX XXXX XXXX XXXX XXXX. This account was initially deleted, but it has been reinserted without my authorization or the required notice within 5 business days, in violation of 15 USC 1681 ( a ) ( 5 ) ( B ). I never received proper notification, which infringes on my rights under the FCRA to dispute such reinsertions. Additionally, under 15 USC 1681b ( f ), no one is permitted to report or access my credit information without a permissible purpose. This account, linked to fraud, has no legitimate basis to appear on my report. I am invoking my rights under 15 USC 1681c-2, which requires that fraudulent accounts be blocked upon proper identification. Furthermore, under 15 USC 1681i ( a ), any inaccurate or unverifiable information must be permanently removed following investigation. This reinsertion suggests a failure to comply with basic accuracy standards, which may constitute willful or negligent noncompliance under 15 USC 1681n and 1681o.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Im a 30 year plus customer of Bank of America who lives in XXXX XXXX XXXX XXXXXX/XX/XXXX at two of Bank of America 's branch locations in NJ, XXXX miles away from each other, were robbed for two transactions of {$8600.00}. The robberies happened within 30 minutes of each and their tellers gave them cash from two of my accounts, totaling {$17000.00}. 

I noticed this right away and reported it at XXXX XXXX  Friday XX/XX/XXXX and still do not have the funds back in my account. Whats frustrating is on Friday when I was talking to regular customer service at XXXX XXXX trying to figure out what was going on and after all accounts had been locked down, I get a text asking Yes/No if it was me trying to take out another {$1000.00} from an ATM in XXXX, XXXX XXXX miles from the first XXXXXXXX XXXX  locations. 

Ive been with Bank of America for 30 years and not one time have I ever taken anywhere near that amount in cash out, much less ten States away from where I live.

I was promised they would place my money back in my account yesterday and have heard nothing.

If you can please help me get my funds back I would appreciate it.

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 monetary relief
Consumer complaint received 2025-02-04 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
XXXX XXXX, XX/XX/year>, 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 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 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  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 2025-02-04 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: NY

Complaint narrative:
I need you to carefully review this complaint, as it is both intentional and urgent. My credit report contains mixed and inaccurate informationaccounts, transactions, and items that I have no connection to. This issue is deeply troubling and has been causing me considerable stress and XXXX. I am extremely concerned about the potential long-term damage to my credit and overall financial health.

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 2025-02-04 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: IL

Complaint narrative:
Reinvestigation Complaint Letter to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Unresolved Credit Report Disputes Dear CFPB, I am writing to file a formal complaint against TRANSUNION regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 
Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX not my account no acknowledgment of this account i filed a ftc report as well for identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX identity theft I provided my birthday is XX/XX/XXXX they have XX/XX/XXXX I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being.

I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i.

Thank you for your assistance in resolving this matter. 
Sincerely XXXX 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