vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: AZ

Complaint narrative:
Disputed a negative account with Experian. This account was previously removed from my credit under a different collection company. Another collection company added it back to my credit and asked Experian to disputed it again and Experian is now saying they have proof the account belongs to me. The collection is from XXXX XXXX XXXX a company I never have done business with and it was taken in XXXX  a Estate I have never even visited. 

Collection was previously deleted In XX/XX/year> under a different XXXX XXXX named XXXXXXXX XXXX XXXX  The Collection came back under XXXX XXXX XXXX for the same amount of {$1400.00}, they added it back to my credit in XXXXXXXX XXXX XXXX 

The collection was Originated by XXXX XXXX XXXX which is the same originator of the collection when it was removed in XXXXXXXX XXXX XXXX. They keep on moving this collections around and the credit company Experian allows them to go back on my credit even when it was already removed by Experian a few months earlier.

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concern, I am writing this complaint against Capital One because Capital One would not adjust my spending bonus for my recently opened Capital One Quicksilver credit card. 

On XX/XX/XXXX, I applied for the Capital One Quicksilver credit card using my daughters referral link XXXX XXXX XXXX XXXXXXXX ) and was instantly approved. 

A few days later, on XX/XX/XXXX, my daughter told me that the spending bonus had increased from {$200.00} to {$250.00} if I used her referral link XXXX XXXX XXXX XXXX ) to apply for the XXXX credit card. 

However, since I already used her original referral link to apply for the XXXX credit card on XX/XX/XXXX, I couldnt use her new referral link to apply again to get the {$250.00} elevated spending bonus offer. 

On XX/XX/XXXX, I called Capital One customer service. I explained the situation and asked if they could increase my spending bonus from {$200.00} to {$250.00}. They said they were unable to adjust my bonus to {$250.00}. 

On XX/XX/XXXX, I received the {$200.00} spending bonus in form of reward cash. 

On XX/XX/XXXX, I called Capital One customer service again. I explained the situation and asked if they could increase my spending bonus from {$200.00} to {$250.00}. Again, they said they were unable to adjust my bonus to {$250.00}. I called customer service a few times that day and received the same response each time. 

On XX/XX/XXXX, I filed a complaint against Capital One on the Better Business Bureau website in hopes that Capital One could resolve this issue. On XX/XX/XXXX, Capital One responded to my complaint through the Better Business Bureau. Again, Capital One wouldnt honor the {$250.00} elevated spending bonus offer and refused to adjust my spending bonus from {$200.00} to {$250.00}. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-24 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-01-24 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: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
I made a payment to my sofi credit card and days later my phone eneded up messing up so i wasnt aware that the money i used to make my credit card payment was tooken for my phone bill that was also due but it was nothing i could do about it because i didnt have access to my accounts and i wasnt aware of this until the 30 day late notification popped up when i ended up gettng access to these accounts again which is why my payment was made right after the 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, the bank, Truist, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, did not process my automatic mortgage payments. The purpose for the automatic payment request, was to never be late. I noticed my payments were not being applied. 
I went to the Truist XXXX, in XXXX, and was told, " A merger was taking place and that the payments would be applied. '' Again, another month went by no payment was taken, neither was the automatic payment system working as the bank said, " It would be. '' I have banked there for years. 
I was then told, " They lost my Ach Form, that they still could not find it. '' I then went to Truist Bank XXXX, in XXXX, to fill-out another ACH FORM, which they stated again, " They could not find my ACH FORM. '' In XX/XX/XXXX, I visited Truist Branch XXXX, XXXX XXXX, about this matter. He called the mortgage department about this and sent emails to correct the problem. 
The mortgage department then sent him paperwork for me to fill out stating, " I needed to fill out the paperwork and submit them with certified funds. After following their instructions, the Certified Funds was returned without any reason why! 
On XX/XX/XXXX, I received a foreclosure notice and was summoned to court on XX/XX/XXXX, stating, " I owed them {$9800.00}. '' I went to court with a {$10000.00} check. They still refused to receive payment. I had tried to pay month after month and told Truist Bank to resume automatic payments. During their merger, I believe something went wrong, drastically wrong! I had to file for bankruptcy to keep my house and I had great credit, now it is ruined!

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 2025-01-24 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: MI

Complaint narrative:
I'm reaching out because Experian, XXXX and XXXX is helping XXXX XXXX XXXX put incorrect information on my credit report related to the account below : XXXX XXXX XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on report isn't accurate! 
By IRS rules, any canceled debt or charge off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC1681 s-2, XXXX XXXX XXXX XXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info.

**15USC 1681s-2 ( a ) ( 1 ) ( A ) ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, the specific information is inaccurate and ; the information is, in fact, inaccurate. ''

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 2025-01-24 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer

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 2025-01-24 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: MS

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. SS 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. ss5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. ss 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. ss 5335 ( 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 XXXX complies with federal law and 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 2025-01-24 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 previously submitted the below dispute. You failed to conduct the proper investigation correct errors. The below account is still showing late by 30 days in error. 

XXXX XXXX XXXX XXXX XXXX XXXX - PAST DUE 30 DAYS Notice of Dispute under 15 U.S.C. 1681 Inaccurate Reporting of Late Payments I am writing to formally dispute inaccurate information you have reported regarding my account, in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. Specifically, your company is inaccurately reporting that I was 30 days late on payments for XX/XX/XXXX, XX/XX/XXXX. The month of XXXX is not over and its impossible for a payment to be reported as 30 days late as of XXXX XX/XX/XXXX. ALL PAYMENT WERE MADE ON TIME. Per 15USC 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information included in consumer report Please update both XX/XX/XXXX and XX/XX/XXXX to paid on time. If this matter is not resolved satisfactorily, I am prepared to take further action, including legal action. Provide me written documentation of your findings. 



XXXX XXXX XXXX XXXX XXXX XXXX - PAST DUE 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. I request immediate investigation and removal of the item s it is incorrect and does not reflect my true credit history.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. I request immediate investigation and removal of the item s it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NC

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Marauder Corporation
State: NC

Complaint narrative:
Debt collector ( XXXX XXXX Structured Settlements ) claims I have a {$3000.00} debt. They called my mother before ever making contact or mailing anything to me- explained the details of the debt to my mother ( XXXX ) They are threatening litigation ASAP ( as of XXXX ) They have not provided proof of the debt. I have no record of any calls from them before XXXX Claimed it had already been reported to my credit- it is not on XXXX, XXXX, or XXXX as of XXXX Pretty sure this is a scam but I dont want to get sued and deal with law firms and that.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-24 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: NV

Complaint narrative:
ON XX/XX/XXXX SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX TO ALL CREDIT BUREAUS. This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX AND Experian

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 2025-01-24 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: TX

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

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 2025-01-24 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-24 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The deadline to file an Extended Claims Period claim for Out-of-Pocket Losses or Time Spent that occurred between XX/XX/XXXX, and XX/XX/XXXX, passed on XX/XX/XXXX. I was not informed through email, letter, text or phone call of the breach. I saw an ad for this breach. I searched duckduckgo website for the class action settlement. I found the EQUIFAX XXXX action settlement site. I then performed the identity data breach search to clarify if my data and personal information was leaked through their service or company site. I discovered my data and information was leaked through this breach. I emailed EQUIFAX seeking answers as to why I was not informed of this breach. They proceed to tell me they were not able to find my information. I responded with screenshots of their website showing my data was involved in the breach. They responded by telling me it was too late for them to do anything. This breach occurred XXXX through XXXX. 

EQUIFAX 'S response was, " We have received your request. However, we are unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently You have not actively used your credit in the last ten years, or You have not lived in the United States or have not been issued a United States Social Security number If you have any additional questions, you may call XXXX ( XXXX ) or you may visit equifax.com/personal/credit-report-services. '' EQUIFAX 's claims are false. I have applied and was approved for {$1000.00} credit card, I am a U.S. resident for 36 years and have access to a social security. EQUIFAX ha not provided any evidence of fact that their claims are true. Thus, making me eligible for OUT OF POCKET PAY. I have firm belief EQUIFAX has now commited a federal crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TDBANK/NORDSTROM ISSUED ME A 1099-C IN THE AMOUNT OF {$2700.00} ON XX/XX/year>, THEREBY EFFECTIVELY CONVERTING MY DEBT TO INCOME. THEY HAVE CONTINUED TO REPORT THIS ACCOUNT AS PAST-DUE TO XXXX, XXXX AND XXXX IN VIOLATION OF FCRA/FDCPA, THEREBY DEPRIVING ME OF ACCESS TO HOUSING, EMPLOYMENT AND MEDICAL CARE. 

XXXX HAS CONTINUED TO REPORT THIS ACCOUNT AS PAST-DUE IN VIOLATION OF FCRA/FDCPA, EVEN THOUGH I HAVE DISPUTED IT SEVERAL TIMES AND ASKED FOR A COMPLETE AND THOROUGH INVESTIGATION AND VALIDATION - MOST RECENTLY VIA CFPB COMPLAINT ID # XXXX, THEREBY DEPRIVING ME OF ACCESS TO HOUSING, EMPLOYMENT AND MEDICAL CARE.

Company response to consumer: Closed with explanation