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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Experian, Equifax & Transunion have all failed to fulfil their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian & Equifax, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience. They have neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to removed or amend the disputed accounts, as their inaction violates federal law and my rights. These are the accounts/personal information I've marked as inaccurate and are still showing : 1. ) XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX 2. ) XXXX XXXX 3. ) XXXX 4. ) XXXX XXXX 5. ) XXXX XXXX 6. ) XXXX XXXX XXXX 7. ) I XXXX XXXX Collections XXXX 8. ) XXXX XXXX XXXX 9. ) XXXX XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Experian, Equifax & Transunion have all failed to fulfil their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian & Equifax, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience. They have neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to removed or amend the disputed accounts, as their inaction violates federal law and my rights. These are the accounts/personal information I've marked as inaccurate and are still showing : 1. ) XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX 2. ) XXXX XXXX 3. ) XXXX 4. ) XXXX XXXX 5. ) XXXX XXXX 6. ) XXXX XXXX XXXX 7. ) I XXXX XXXX Collections XXXX 8. ) XXXX XXXX XXXX 9. ) XXXX 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
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of late payments on my credit file associated with my account with [ Santander ) ( Account Number : [ XXXX ] ). Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I request that these inaccurate records be corrected or deleted from my report. 
Under Section 1681i of the FCRA, consumers have the right to dispute information they believe to be inaccurate or incomplete. Additionally, credit bureaus and furnishers are obligated to conduct a reasonable investigation into disputed items. 1 am asserting that the reported late payments are either inaccurately reflected or unverifiable under FCRA standards, thereby warranting immediate removal.

Specifically, I question the accuracy and integrity of these entries based on the following : 1. Failure to Provide Proof of Reporting Compliance : The FCRA mandates that furnishers of information ensure maximum possible accuracy. In this case, the evidence supporting these late payments has not been furnished, and I question whether the creditor has documentation to support these allegations. Please provide certified documentation validating the late payment entries as originally reported. Absent such documentation, these entries should be removed.

2. Potential Violation of Reasonable Investigation : The FCRA requires credit bureaus to perform a reasonable investigation when a consumer disputes an Item. In the absence of verifiable proof from the creditor, any failure to conduct a thorough investigation into the accuracy of this information is a direct violation of my consumer rights.

3. Obligation to Ensure Maximum Possible Accuracy ( 15 US.C 1681e ( b ) ) : This statute requires that credit reporting agencies follow procedures to ensure accuracy in reporting, The reported late payments are damaging and do not reflect a verified record. Accordingly, I am requesting an immediate removal to prevent further harm to my creditworthiness, Search Given the circumstances outlined, please initiate a prompt investigation, provide me with the results, and send documentation supporting the validity of the disputed entries. If the information can not be verified or substantiated in compliance with FCRA guidelines, I expect all disputed late payments to be promptly removed from my credit file. 
I look forward to your written confirmation of the results of your investigation within the legally allotted timeframe. Failure to adequately address this matter may compel me to explore legal remedies to protect my rights under the FCRA.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My vehicle was totaled back on XX/XX/XXXX. My insurance company paid Capital One their portion on XX/XX/XXXX and we paid the remaining XXXX on XX/XX/XXXX. The extended warranty we purchased with the vehicle was not applied to the loan and was taken by Capital One from XXXX XXXX in XXXX from their reserves. We have yet to see the refund from Capital One for the over {$2000.00} extended warranty that was cancelled. I have made multiple calls trying to get information on when they would be refunding it and they cant answer the question. They are holding my money and not issuing the money I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
hello consumer finance, these people lied to you, I got all the evidence, with screenshots, they told you with a message to do exactly what I have in the screenshots. 

This is shameful, they responded you with a lied about me having a duplicate accounts, that's pointless they lied to you shamelessly. 
They don'f know how to recover funds, & they don't want to pay neither.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am-asking you to verity as accurate account ( Original Creditor : XXXX XXXX XXXX )

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: FC HoldCo LLC

Complaint narrative:
This company felled to send me a 1099 when they filed a 1099 on my account.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Personal Information Dear Experian Dispute Department, I am writing to formally dispute the inaccurate personal information that is being reported on my credit file. Specifically, Experian is incorrectly reporting the address XXXX XXXX XXXX, XXXX XXXX, NJ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, which I have never lived at, nor have I ever used this address in any financial or personal capacity. 

Under the Fair Credit Reporting Act ( FCRA ) 1681c ( a ), credit reporting agencies are required to maintain accurate and up-to-date information in consumer files. Reporting incorrect personal data, such as an inaccurate address, violates my rights under this law and could lead to potential harm, including misidentification, fraud risk, and improper credit reporting.

Additionally, under FCRA 1681i ( a ) ( 1 ), I have the right to dispute any inaccurate information, and Experian is required to conduct a reasonable investigation within 30 days of receiving this dispute. If the reported information is found to be inaccurate or unverifiable, it must be corrected or removed promptly. 

I request that Experian : 1. Immediately delete the address XXXX XXXX XXXX, XXXX XXXX, NJ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX from my credit file. 
2. Conduct a thorough investigation into how this inaccurate information was included in my report.

3. Provide written confirmation that the inaccurate address has been removed.

For verification, I have attached a copy of my drivers license, a recent utility bill, and a copy of my credit report with the incorrect information highlighted. Please update my file accordingly and send me an updated copy of my credit report once the corrections have been made. 

Failure to comply with this request could result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies for violations of the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe required by law. 

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 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc.
State: TN

Complaint narrative:
YOUR COMPLAINT Metro Collection Services , Inc. and XXXX XXXX XXXX claim I owe a debt of {$20000.00}. I am asking that 1 ) Metro Collection and XXXX XXXX XXXX acknowledge I do not owe this debt and 2 ) that this claim be removed from my credit report with all consumer credit reporting agencies. I do not owe this debt and have asked Metro Collection and to XXXX XXXX XXXX repeatedly ( including contacting them via registered letters ) to stop contacting me and to remove this debt from all credit reporting agencies. Neither XXXX XXXX XXXX nor Metro Collection have responded to me. Further Metros charging interest on this alleged debt is illegal in the state of Tennessee. Recent action taken on my behalf by the CFPB lead to XXXX XXXX XXXX being reported to the FTC and XXXX XXXX closing the collection account. Please see CFPB complaint numbers XXXX, XXXX, and XXXX regarding my efforts to resolve this issue. Despite this, Metro Collection Services , Inc. nor XXXX XXXX XXXX have removed this alleged debt from credit reporting agencies. Regarding the charge on my XXXX card by XXXX XXXX XXXX, XXXX concluded I should not be charged given the extensive proof of damages which exceed the amount of the charge. XXXX concluded I do not owe this money. I provided extensive proof to XXXX including, a police report, expert appraisals, statements from witnesses including a board chair for a credit union, other witnesses include a neighbor, and a former city council member and CFO of a childrens hospital and his spouse. I also submitted many photos taken just before, and during the move as damages occurred, copies of documents demonstrating breach of contract issues, and a copy of a document I was told by XXXX XXXX, the lead mover, I had to sign or my furniture would not be unloaded and I would not receive a damage claim sheet ( which listed only part of the damage ). I signed this document in two of the four places I signed XXXX XXXX. I also have additional documentation including, but not limited to, abusive emails from XXXX XXXX of XXXX XXXX XXXX. The total of all theft, damages, and breach of contract issues well exceeds the amount XXXX XXXX and XXXX XXXX XXXX wrongly claim I owe. As a result of the documentation I submitted to XXXX, and the fact that XXXX XXXX XXXX did not dispute this evidence and offered no evidence to the contrary, XXXX resolved the dispute in my favor. A senior manager from XXXX advised me that collection agencies arent to be used for a disputed claim resolved in the card holders favor.

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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This are the accounts that are inaccurate OPP Loans account number : XXXX ; XXXX XXXX XXXX Account number : XXXX ; XXXX  XXXXXXXX XXXX XXXX  XX/XX/24 ; XXXX XXXX XXXXXX/XX/24 ; XXXX XXXX XXXX XX/XX/24 ; XXXXXXXX XXXX  ; XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX Group

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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This are the accounts that are inaccurate OPP Loans account number : XXXX ; XXXX XXXX XXXX Account number : XXXX ; XXXX  XXXXXXXX XXXX XXXX  XX/XX/24 ; XXXX XXXX XXXXXX/XX/24 ; XXXX XXXX XXXX XX/XX/24 ; XXXXXXXX XXXX  ; XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX Group

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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