vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX CO XXXX XX/XX/year> XXXX  XXXX  XX/XX/year> Capital one XX/XX/year> I don't recognize these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MA

Complaint narrative:
XXXX XXXX without my knowledge, without providing notice to me about the alleged debt, without verifying the debt and without my consent went ahead and posted the fraudulent account onto both my XXXX and XXXX credit report causing my credit score to plummet. I went ahead and disputed with both XXXX and XXXX the debt and XXXX completed its investigation in under XXXX hours and denied my dispute saying the debt is valid. They obviously did not do an investigation because the debt does not belong to me, and I also have an account with the original creditor in good standing. This company has violated my rights and caused financial setback. I have recently filled out all required identity theft info and will be sending it to them along with a demand letter in good faith to show the court i have exhausted all attempts to recover damages. So after they ignore or deny my demand, I will be pursuing both civil lawsuit and filing a claim against their bond. And since I have dwellings in both XXXX and XXXX I will be pursuing in both states so long as i meet jurisdiction. I just recently received payment from a demand letter from XXXX of the largest debt collectors and then filed claim against their bond and was awarded most of their bond value. I have had it with these companies that prey on people and do not follow the laws. They walked into a complete hornets ' nest on this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: DE

Complaint narrative:
I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within XXXX business days under the Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Open Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX  Open Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX  Open Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX  Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX  Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-01-31 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: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received {$20000.00} credit and requested the money be transferred to my checking account on XX/XX/year>. I was told by the representative that this would happen within XXXX day. XXXX days later it still had not happened so I called and spoke to a representative and she said " XXXX business days ''. I explained her that we were on business day # XXXX and she said they don't count the first business day. So I escalated to a XXXX and she said she would send a priority e-mail and I might receive funds that day ( XX/XX/year> ) and if not today, then tomorrow. Today, XX/XX/year> I still have not received them, so I called again and spoke to XXXX representatives. The second one told me they will mail a check and it will take XXXX business days though I specifically stated in my original call that I wanted the money transferred and didn't want to wait for a check. So I escalated to " XXXX management '' and I just get more excuses ... '' we'll look into it, this will take some time, blah, blah blah ''. 

Despite being a long time customer, this company has repeatedly lied to me, has been wasting a lot of my time with calls and being on hold and no one is resolving the issue as promised many times. Wells Fargo is holding my money XXXX and this is unacceptable. I need my money back right away and I've been put off for XXXX days now, now I'll need to wait throughout the weekend and who knows when I'll ever get helped or get my money back.

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 2025-01-31 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: Credit Card Acquisitions Group
State: TX

Complaint narrative:
Foster & Monroe LLC has reported an alleged debt on my credit report that I do not owe. Despite requesting verification from the original creditor, they have failed to provide any verification of this debt. However, Foster & Monroe LLC continues to report this unverified debt on my credit report, which is causing harm to my credit score. According to official records, Foster & Monroe LLC has forfeited its right to transact business in Texas. This forfeiture means they are not authorized to engage in any business activities in the state, including debt reporting or collections. Proof of the forfeiture is attached. The continued reporting of this unverified debt by a company not authorized to conduct business in Texas is a clear violation of the Fair Credit Reporting Act ( FCRA ) and state law. The failure to verify this debt and their ongoing reporting of it constitutes unlawful practices that adversely affect my credit profile.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MS

Complaint narrative:
Equifax has just been sued for sham investigations into credit disputes, and yet they continue to engage in the same illegal behavior by failing to properly investigate and correct inaccurate, unverifiable, and incomplete information on my credit report. I have disputed multiple accounts and inquiries, yet Equifax refuses to conduct a lawful re-investigation as required under FCRA 1681i and Metro 2 compliance standards. 

Despite sending multiple certified dispute letters, Equifax continues to allow inaccurate data to harm my credit profile by reporting the following Metro 2 non-compliant accounts : XXXX/XXXX  ( XXXX XXXX XXXX  ) - Account # XXXX Reporting is incomplete, with missing key data fields, inconsistent payment history, and unverifiable information. 
XXXX XXXX - Account # XXXX Late payments are being reported inaccurately and do not match across bureaus. 
XXXX XXXX - Account # XXXX Payment history is inconsistent across credit reporting agencies, violating Metro 2 standards. 
XXXX - Account # XXXX Late payments are not reported uniformly, creating discrepancies across bureaus. 
XXXX XXXX - Account # XXXX The account contains unverifiable, inconsistent, and inaccurate reporting. This account should be removed immediately. 
Bankruptcy ( Public Record ) - No Account Number Equifax is illegally reporting a bankruptcy with no linked accounts, which violates FCRA guidelines and Metro 2 standards. This must be removed.

Equifax is also illegally reporting hard inquiries with no permissible purpose under FCRA 604 ( a ). If Equifax can not provide documented proof of my consent for these inquiries, they must be deleted immediately : XXXX XXXX ( XX/XX/XXXX ) Sunbelt ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) CB/Jared GJ ( XX/XX/XXXX ) XXXX XXXX  XXXX  ( XX/XX/XXXX ) XXXX/XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) Equifax has already been sued for these illegal practices, and if this dispute is not handled properly, I will escalate the matter to the CFPB, FTC, and my states Attorney General for further action. 

I demand that Equifax : Update all late payments to " Paid on Time. '' Delete all unverifiable accounts, including XXXX XXXX and the falsely reported bankruptcy. 
Remove all unauthorized hard inquiries that lack a permissible purpose. 
Conduct a lawful re-investigation in compliance with FCRA 1681i and Metro 2 standards.

Provide written confirmation of all corrected or deleted items. 
If Equifax continues to violate federal law by failing to correct these errors, I will take legal action and file additional complaints with the appropriate regulatory agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
My personal information was compromised in the past and someone used my social security number without my consent to open up unauthorized accounts. My life was seriously impacted because my credit report suffered severely because someone stole my identity. These accounts and inquiries are unauthorized and opened without my consent. I need them removed immediately and you have 4 days to block and remove these accounts upon receipt of this complaint based on the fair credit reporting act.

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 2025-01-31 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: CA

Complaint narrative:
My personal information was compromised in the past and someone used my social security number without my consent to open up unauthorized accounts. My life was seriously impacted because my credit report suffered severely because someone stole my identity. These accounts and inquiries are unauthorized and opened without my consent. I need them removed immediately and you have 4 days to block and remove these accounts upon receipt of this complaint based on the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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 contacted Experian.com in regards to XXXX XXXX showing on my report. This account should never have been reported to the credit bureaus in the first place as this account was paid in full prior to being reported as a collection account. This account was paid in full on XX/XX/year>. I notified XXXX XXXX  XXXX and was confirmed that this account would be removed from all bureaus back in summer of 2023. As per 15 US Code 1692 ( g ) and ( c ) this account must be removed, since this complaint was not properly investigated each time I submitted a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
I contacted Experian.com in regards to XXXX XXXX showing on my report. This account should never have been reported to the credit bureaus in the first place as this account was paid in full prior to being reported as a collection account. This account was paid in full on XX/XX/year>. I notified XXXX XXXX  XXXX and was confirmed that this account would be removed from all bureaus back in summer of 2023. As per 15 US Code 1692 ( g ) and ( c ) this account must be removed, since this complaint was not properly investigated each time I submitted a dispute.

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 2025-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Disputes on my credit report by Experian not being properly investigated against XXXX XXXX. 

I disputed the entire bill with XXXX XXXX XXXX and was found in my favor, back in XXXX  but this radiology bill is not correct. 

Collections being sold over and over again exceeding time limits on false claims by the original creditor is something to be investigated. 

Name and address errors not being removed and or new errors popping up. 

I would like the name and address errors to be corrected and my bill with radiology partners be removed. 

I would like to see damages paid to me by Experian for not investigating disputes properly.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary 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 non-monetary relief
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account has multiple inaccuracies and needs to be deleted off my report immediately as its inaccuracies is really effecting my credit report. I have attached and highlighted all inaccuracies this account has. This account is clearly in violation and needs to be deleted off of my report. 
The account is XXXX XXXX  Account number : 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 2025-01-31 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: TN

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Caine & Weiner for failing to validate an alleged debt, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ).

Upon discovering this account on my credit report, I exercised my rights under FDCPA 15 U.S.C. 1692g ( a ) by requesting written validation of the debt. Despite my request, Caine & Weiner has failed to provide the necessary documentation, such as a detailed account statement, original creditor agreement, or proof of my obligation to pay. Instead, they continue to report this unverified and potentially inaccurate information to consumer reporting agencies. 

Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable information. Furthermore, FCRA 15 U.S.C. 1681i ( a ) ( 1 ) requires furnishers to conduct a reasonable investigation when a dispute is filed. Since Caine & Weiner has not fulfilled its legal obligations, I believe they are in violation of federal credit laws. 

Requested Resolution : Debt Validation I request that Caine & Weiner provide full validation of this debt, including a breakdown of charges, the original creditors information, and proof of my obligation to pay. 
Account Removal If they can not validate the debt, I request that this account be immediately removed from my credit report and that all collection activity cease. 
Consumer Reporting Update I request that Caine & Weiner notify all consumer reporting agencies that this account is in dispute or has been removed, as required by law.

CFPB Investigation If Caine & Weiner continues to fail in meeting its legal obligations, I request that the CFPB take appropriate enforcement action to ensure compliance with federal regulations. 
I appreciate the CFPBs attention to this matter and look forward to a fair resolution.

Company response to consumer: Closed with explanation