vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint regarding incorrect addresses listed on my credit report. These addresses do not belong to me and are negatively impacting my credit history. 

I recently obtained a copy of my credit report and noticed several addresses that are incorrect and do not belong to me. These addresses have been reported under my name by one or more credit reporting agencies. I have not lived at these addresses, nor have I ever used them in any capacity. I have reviewed my records, and none of these addresses are associated with my financial history or personal information. 

I have attempted to resolve this issue by contacting the credit reporting agencies directly, but the incorrect addresses remain on my credit report, which is negatively affecting my credit score and potentially my ability to obtain credit. 

I am requesting that the credit reporting agencies correct these inaccuracies on my report and update the information to reflect only my correct and current address. 


I have already contacted the credit reporting agencies Equifax, Experian, and TransUnion on XX/XX/2024, XX/XX/2024, and XX/XX/2024 and disputed the incorrect addresses. Despite my efforts, the addresses have not been removed or corrected. 


I would like the Consumer Financial Protection Bureau to assist in ensuring that these incorrect addresses are removed from my credit report and that my credit file reflects only accurate and current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On several separate occasions in the past several months I have tried to set up XXXX  with my account. As I meet all the requirements for it. And several employees have told me I should be able to and have even gone over the steps for me to set it up.with me. So today again I tried and I did the chat with the bank and she told me I qualify. I told her I talked to XXXX and they don't have any reason why I can't attach it to my account. So after talking with her she said there is no reason why I can't connect to it but I was still unable then she gets back on and says I am not eligible at this time I said I want to know why she said she doesn't know so I emailed then and asked why and they sent me something back about loans which has nothing to do with this. I have even gotten as far as having been sent a verification code which is suppose to mean I have been connected and can start using the service. But immediately there after I got a notice saying for my protection it is unavailable try later. I believe I am being discriminated against by them because there is nothing that keeps me from being able to hook it up. And I am XXXX and they turned my heat off today because I need a part for my heater and my friend can't send me money to get it so I figure I will be down sick because of this discrimination..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

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 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have spoken with the same lady twice about this so called debt. She has insulted my intelligence stating I know nothing about the law and about how collections work. She stated she can call me whenever she wants and say whatever she has to in order to get me to pay the debt. I've asked her why is she so rude and condescending when that will never work to make someone pay anything she is saying is owed. I've asked several times for her to stop calling me and it appears she is the one to always contact me. Late at night around XXXX whilst just being rude. It makes my XXXX XXXX XXXX  and for me that is super dangerous for me. Please help me with this super rude company. XXXX XXXX is the company name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
Sent dispute audits on XXXX, XX/XX/year>, XX/XX/year>. Credit Reporting Agency did not provide what was asked for and repeatedly sent stall tactic letters as responses of collection company verifying account without verification or validation being provided. collection company still in this over a year of attempting to resolve directly has not provided what is needed to continue to actively report. credit reporting agency did not receive any true validation or copy of such.

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 2025-02-11 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:
During 2024, my credit score was dropped around XXXX, XXXX about XXXX points for no reason. 
For some how, XXXX XXXX uses Experian which not sure is a legit one!!! 
Experian used by XXXX XXXX and XXXX XXXX is more accurate!!! 

Also, my credit history was changed instead from 18 years+ to XXXX and XXXX year old as poor credit history not sure who did that?? 

Looking forward for your help and keeping my credit up-to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
During 2024, my credit score was dropped around XXXX, XXXX about XXXX points for no reason. 
For some how, XXXX XXXX uses Experian which not sure is a legit one!!! 
Experian used by XXXX XXXX and XXXX XXXX is more accurate!!! 

Also, my credit history was changed instead from 18 years+ to XXXX and XXXX year old as poor credit history not sure who did that?? 

Looking forward for your help and keeping my credit up-to 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
Consumer complaint received 2025-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I purchase a car I was told by XXXX  too out XXXX $ down and was lied too because it never was tooken from the purchase of vehicle which made them off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently reviewed my credit report ( Reference Number : XXXX ) and have identified erroneous details which are both incorrect and not a reflection of my personal history. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am asserting my right to challenge and dispute inaccurate information on my credit report. The FCRA mandates that each piece of information on a consumer 's credit report must be accurate, complete, and within the credit reporting time frame The specific inaccuracies I found on my report include : Personal Information for my consumer report NAME : The only name I go by is XXXX XXXX XXXX please remove any name you have in your system that does not match XXXX XXXX XXXX Also Known As : CURRENT ADDRESS : REMOVE the reported Consumers Current Residence ( s ) of as my REQUISITE REPORTED CURRENT, CORRECT and COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I DO NOT AUTHORIZE you to retain, nor report any not proven, true, correct, valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated here. 

Previous Residence : REMOVE the display reported Previous Residence ( s ) of as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated Employer ( XXXX ) : REMOVE the display reported Reported Employers ( s ) of as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Reported Employers is XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 

Birth Year : REMOVE the display reported Date of Birth as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Date of Birth is XX/XX/year>. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$590.00} XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report maintained by XXXX. My credit report contains errors that have not been adequately investigated or corrected despite my prior disputes, which is in violation of the Fair Credit Reporting Act ( FCRA ). The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, highlighting systematic failures in handling consumer disputes, including issues identical to mine. 

Specifically, I am disputing the following inaccurate items on my report : COLUMBIA DEBT RECOVERY - {$4400.00} Under the FCRA ( 15 U.S.C. 1681i ), XXXX is required to conduct a reasonable reinvestigation of disputed information and notify me of the results within 30 days. However, like the cases outlined in the CFPB complaint, my prior disputes have been mishandled, including : Failure to forward my dispute with all supporting documentation to the furnishers. 
Uncritical reliance on furnishers ' responses, even when evidence contradicts them. 
Failure to provide clear and accurate dispute resolution notices. 
Possible reinsertion of previously deleted inaccurate information without proper certification or notification. 
These failures have directly harmed me by negatively affecting my credit score, leading to potential denials of credit and financial opportunities. I demand that XXXX immediately conduct a reasonable reinvestigation of the disputed items, remove or correct the inaccurate information, and provide me with an updated credit report reflecting these changes. 

Attached are copies of relevant documentation supporting my dispute, including [ list any documents such as payment records, settlement agreements, or correspondence ]. 

If XXXX fails to comply with its legal obligations, I am prepared to escalate this matter to the CFPB and seek further legal remedies. Please provide a written response detailing your actions regarding my dispute within the legally required timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filling a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance {$9500.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$880.00} XXXXXXXX XXXX  XXXX XXXX {$18000.00}

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 2025-02-11 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance {$9500.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$880.00} XXXXXXXX XXXX  XXXX XXXX {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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 request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with USC 1681g, I ask that they be removed within 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NV

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. 

XXXX XXXXXXXX BALANCED {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NV

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. 

XXXX XXXXXXXX BALANCED {$18000.00}

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 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
I filed 2 disputes which were denied less then 24 hours for unauthorized charges for the amount of {$2100.00} in total then got a notice saying they were closing my account. I also discovered suspicious account activity, including logins from unfamiliar locations and devices. Which I provided evidence of. 
My phone number was changed without my authorization, requiring me to restore it. 
In response to these security concerns, I promptly changed my password. 
Upon realizing these unauthorized transactions, I filed a dispute with Chime, expecting a proper investigation. 
The very next day, Chime denied my claim without providing a valid explanation or sufficient documentation. Following the dispute denial, Chime informed me that my account would be closed on XX/XX/year>, citing a vague internal policy violation without further details. I called them immediately after and they had no explanation for me. Failure to Properly Investigate the Fraud Claim Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, financial institutions must conduct a reasonable investigation when a consumer reports unauthorized transactions. Chimes near-immediate denial of my dispute suggests they did not conduct a thorough review, especially given the significant amount of evidence pointing to unauthorized access. Chime has failed to provide a specific reason for why my account is being closed. 
I requested documentation regarding my dispute, and I was told it would take 10 days, yet my account is scheduled to close before I receive this information. 
This raises concerns that Chime is closing my account to avoid liability for the disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies n 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 the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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