vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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 requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by EQUIFAX. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. 
I have identified inconsistencies in this account information across the reports from the three major credit bureaus. These discrepancies suggest that the information reported is inaccurate and does not meet the FCRAs accuracy standards, warranting immediate corrective action. 

Legal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score. 
2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by EQUIFAX, which further underscores the lack of accuracy and FCRA compliance. 

References to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA. 
These cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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 t properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administration proceeding ( File No. 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.These are the accounts that are inaccurate. 
XXXX XXXX XXXX, XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
I am filling this complaint with Equifax for failing to properly investigating my disputes regarding inaccuracies in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in 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 verify as accurate Experian, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report immediately. I am unaware of their origins and did not authorize their creation. Under XXXX XXXX, I formally request their removal within 15 days. The necessary documents are attached for your reference.

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 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: InDebted Corporation
State: AL

Complaint narrative:
InDebted Collection agency attempting to collect a reported amount due from the original collector " XXXX XXXX'. Documented emails of communication from the XXXX company invoice statement was sent as a final notice ( warning prior to sending this to collection agency " InDebted '' XXXX shows the unpaid amount left owed on the account to be exactly {$11.00} remaining due, to be paid by XXXX XXXX XXXX 

Verification for the debt that was reported to the collection agency was unavailable for me to request to see. Only option accessible to me when contacting the company was direct link to input financial information for processing a payment. No access to view or dispute the transaction was available for me online, and calling customer service as a way to address the claim in the amount of {$18.00}, that is reported against me. This information is incorrect, and seems fraudulent when asked to provide any further information to my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Back on XX/XX/2022 in my Capital One Checking Account, I have burrowed a personal loan from a Company known as XXXX as they allowed me in total of {$1300.00} to help me pay my rent at the time. Unfortunately, Capital One have taken out the amount XXXX has paid me in my checking account without my permission. I have a huge problem with that. Furthermore, Capital One have refused to help me in person at the XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Moreover, I have called them a few times to try to resolve the issue by helping me get my loan money back and etc but, they refused to resolve the issue with me. Additionally, Capital One didn't secure my checking account as many fraudulent companies such as XXXX XXXX and many others have constantly taken money from out of my checking account with Capital One. Fortunately, Capital One has given me some of my back in return such as {$1.00} with XXXX etc. Unfortunately, Capital One haven't given me my loan money and other money back to me. Capital One 's customer service was very terrible. Lastly, even to this day Capital One still haven't given me my full amount of money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: WA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one credit card closed my credit card account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I not did authorize anyone employ by these companies to make any inquiries or review my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX  constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my credit report. XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX 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 2025-01-22 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 XXXX for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submissions, XXXX consistently responds withing XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act, XXXX XXXX. XXXX which mandates a reasonable investigation of disputes. Furthermore XXXX actions may also contravene the consumer financial protection act, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the cfpbs recent administrative proceeding file no XXXX ) against them for similar violations. i request that the cfpb take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of 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 2025-01-22 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:
Subject : Formal Dispute of Inaccurate/Unverifiable Information Under the FCRA I am writing to dispute inaccurate and/or unverifiable information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified the following item ( s ) that require investigation and correction : Creditor Name/Account Number : [ Provide details of the account ] Nature of Dispute : " Late payment reported inaccurately '' This information is either inaccurate, outdated, or unverifiable and, therefore, violates several provisions of the FCRA. Specifically : XXXX XXXX XXXXXXXX : Credit reporting agencies are required to investigate disputes and verify the accuracy of information within 30 days. If the information can not be verified, it must be deleted or corrected. 


XXXX XXXX XXXX XXXX XXXX XXXX  : Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of this inaccurate information violates this requirement. 


XXXX XXXX XXXXXXXX : I am requesting that you provide verification of the disputed account, including the name of the original creditor, payment history, and any supporting documentation used to validate the information. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Negative information, such as late payments, must not be reported if it is older than 7 years from the date of delinquency. If this item is outdated, it must be removed immediately. 


XXXX. Section XXXX : Furnishers of information are obligated to report accurate data. If the creditor supplying this information has failed to meet this requirement, it must be corrected or removed. 

XXXX. We would like the of a XXXX XXXX XXXX, Also a Chain of Assignment as well

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 2025-01-22 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate/Unverifiable Information Under the FCRA I am writing to dispute inaccurate and/or unverifiable information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified the following item ( s ) that require investigation and correction : Creditor Name/Account Number : [ Provide details of the account ] Nature of Dispute : " Late payment reported inaccurately '' This information is either inaccurate, outdated, or unverifiable and, therefore, violates several provisions of the FCRA. Specifically : XXXX XXXX XXXX XXXX Credit reporting agencies are required to investigate disputes and verify the accuracy of information within 30 days. If the information can not be verified, it must be deleted or corrected. 


XXXX XXXX XXXX XXXX XXXX XXXX  : Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of this inaccurate information violates this requirement. 


XXXX. Section XXXX : I am requesting that you provide verification of the disputed account, including the name of the original creditor, payment history, and any supporting documentation used to validate the information. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Negative information, such as late payments, must not be reported if it is older than 7 years from the date of delinquency. If this item is outdated, it must be removed immediately. 


XXXX XXXX XXXXXXXX : Furnishers of information are obligated to report accurate data. If the creditor supplying this information has failed to meet this requirement, it must be corrected or removed. 

XXXX. We would like the of a XXXX XXXX XXXX, Also a Chain of Assignment as well

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX RADIUS GLOBAL SOLUTION XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : RADIUS GLOBAL SOLUTION Dear RADIUS GLOBAL SOLUTION, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting verification of this debt, as well as the specific legal basis for this entry. 

After reviewing my records, I found no written agreement or signed contract with RADIUS GLOBAL SOLUTION authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be XXXX % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. 

Additionally, under the Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that RADIUS GLOBAL SOLUTION provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law. 

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law. 

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I need your help to investigate accounts from companies that have incorrectly reported late payments. Upon reviewing my credit report, I found that certain accounts reflect late payments inaccurately. There should not be any late payment remarks on these accounts.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX of 2024 my credit union federal an charge my account without my permission I notified my to investigate the with vintage they never did or claim they did and went in flavor of the merchant and it was the same with XXXX XXXXXXXX XXXX no proof that were correct.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I gratefully use an mobile device for money transfers with Zelle. And few times ran into problems with Zelle deducting sometimes double the transfer

Company response to consumer: Closed with explanation