vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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 this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ) 15 U.S.C. section 1681 ( i ) which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection act CFPA 12 USC section 553-681 a B 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that I have marked as inaccurate 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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/year> - I purchased 3 postcards and a pack of XXXX cards at a stall in the XXXX XXXX XXXX. The shopkeeper quote me a price on a calculator, which I agreed to - roughly {$12.00}. They typed it into their machine and tapped my card and ended up charing me {$130.00}, not what I had agreed to. I signed for it, and the receipt does bare the incorrect price. 
XX/XX/year> - the purchased posts to my statement XX/XX/year> - I see the incorrect charge and dispute partially with Captial One. Capital One denies my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am disputing the inaccurate reporting of late payments by Wells Fargo on my credit report. Despite my initial dispute, Wells Fargo failed to provide legally required verification, including proof that billing statements were sent at least 21 days before marking payments as late, as required under TILA 15 USC 1666b and 1637 ( b ). Their selective reporting of negative information while disregarding on-time payments presents a misleading and incomplete representation of my credit history, violating FCRA 15 USC 1681e ( b ) and 1681s-2. I am requesting immediate correction of these inaccuracies.

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 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Opened XXXX XXXX in the amount of {$2400.00} is due 15 USC 1681c2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX 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 XXXX XX/XX/year>

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 2025-02-12 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:
Under XXXX5 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Against Coinbase Misrepresentation & Mishandling of Transactions To the FTC & CFPB, I am filing a formal complaint against Coinbase , Inc. for fraudulent misrepresentation, failure to honor confirmed transactions, and unethical account handling. 

On XX/XX/XXXX, I made a {$50.00} deposit to my XXXX account. Initially, XXXX claimed the deposit failed, but after multiple inquiries, a XXXX agent confirmed on XX/XX/XXXX that the balance was successfully cleared ( Case # XXXX ). However, on XX/XX/XXXX, I received an email from XXXX falsely stating a collection attempt had failed, contradicting the prior confirmation. 

When I followed up, a new agent falsely claimed that no payment was made and that XXXX was unable to pull funds due to insufficient funds. This is false, as my deposit was processed and used per CBs policies. Despite repeated attempts, XXXX refuses to acknowledge their internal error and continues providing contradictory information. 

XXXX XXXX : XXXX falsely claimed my deposit failed, despite prior confirmation that it cleared. 
XXXX conflicting responses show a lack of internal accuracy and transparency. 
XXXX refused to provide written confirmation that my account would not face restrictions due to their system errors. 
I request that the FTC XXXX CFPB investigate XXXX for misleading transaction handling, failure to provide accurate records, and unethical business practices. 

I demand : Written confirmation that my account will not be restricted due to XXXX error. 
An explanation for why XXXX falsely claimed my deposit was unpaid. 
Assurance that XXXX will not attempt further collections on a resolved balance. 
XXXX handling of this situation has been deceptive and unacceptable. 
Beyond the {$50.00} financial loss, I have experienced loss of productivity, emotional distress, and unnecessary administrative burden due to Coinbases mismanagement of my account. Their contradictory responses and refusal to provide proper documentation forced me to engage in excessive back-and-forth communication, wasting valuable time and effort that could have been allocated elsewhere.

I appreciate the FTC & CFPBs attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: IN

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. I shouldnt of hadto go through this knowing that I was scammed out of my money and not able to get it back Zelle did not protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account XXXX XXXX XXXX # XXXX XXXX DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
I recently became aware of the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian, highlighting concerns about inaccurate credit reporting and dispute handling. Unfortunately, I believe I've been directly affected by Experian 's practices. 

Despite my earlier dispute, I received a response stating that the accounts were " verified. '' However, I strongly disagree with this outcome and believe that Experian 's investigation was inadequate. 

The CFPB lawsuit reinforces my concerns about Experian 's handling of consumer disputes. I'm requesting that you re-examine my dispute, considering the new information and the CFPB 's findings.

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 2025-02-12 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: TX

Complaint narrative:
I am writing to file a formal complaint against EXPERIAN, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to EXPERIAN notifying them of the reinsertion of XXXX XXXX XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, EXPERIAN has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
EXPERIAN actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with EXPERIAN, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-02-12 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R 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 furnishers, 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 's 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 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear CFPB, I am submitting a new complaint regarding XXXX XXXX XXXX XXXX XXXX, a debt collection firm acting on behalf of Capital One. I have previously submitted a complaint about this issue, but after reviewing their response and the facts, I believe the case was closed prematurely without fully addressing the discrepancies in their actions. 

Here are the details of my complaint : Failure to Provide Required Documentation XXXX XXXX XXXX claims to have sent me multiple documents related to my debt, including a 1692g letter and a Notice of Intent to File Suit. However, I only received one document from themthe Notice of Intent to File Suit dated XX/XX/XXXX. The XXXX letter, which should have been sent on XX/XX/XXXX, was never received by me. 

Misleading Claims in Response In their response, XXXX XXXX XXXX claimed they sent me the required XXXX letter and stated that I had received it, despite the fact that I have no record or recollection of receiving such a letter. Their claim that I had been sent the required validation notice and other documents is misleading, and they failed to provide any proof of mailing or delivery. 

Debt Collection Violations As mentioned in my initial complaint, I believe that XXXX XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), XXXX Fair Debt Collection Practices Act ( RFDCPA ), and California Unfair Competition Law ( UCL ) by failing to provide the required validation notice, failing to disclose the amount of the debt, and threatening legal action without first complying with statutory requirements. Their actions have caused confusion and distress. 

Failure to Address Cease-and-Desist Letter I sent a cease-and-desist letter to XXXX XXXX XXXX on XX/XX/XXXX. While they acknowledged receipt of the letter, the lawsuit had already been filed on XX/XX/XXXX, and the collection action continued despite my request to cease. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached a point where I was fed up with the credit bureaus after I was a victim of identity theft, Experian received my complaint and deleted the fake accounts and everything that was incorrect, after a while they decided to delete the positive account that I still make payments on every month. Today Experian went to find an account that closed the negative and inaccurate information, they put it back in my credit profile while they removed the correct account that I make payments on every month, NOTE Well they have an interest in reporting bad things on people 's credit.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My bank accounts will show I pay all my bills on time. But past accounts are still showing open or balance due. To include the reporting bureaus who have not purged old accounts from the report. There are far too many old accounts still showing open or if closed still on the report. My current accounts are all paid on time and as such my scores should be XXXX or better easy. These bureaus are not doing their simple task and really should all go away. Banks now have more access without needing these 3. However I would just request that they reflect my account correctly. 

I thank you for your service in this. I have tried getting this done all last summer of 2024. I should only have XXXX, for credit card in good standing. XXXX XXXX, XXXX and XXXX for auto loans. XXXX  XXXX XXXX was charged off but I have been paying the balance still. They really should not be charging me anything but I do pay them monthly so that should also be in good standing plus close paid in full I think it is a scam they charge it off then come for the money anyway. That is double dipping. But those accounts should all show in great standing no missed payments. And nothing else should be on my report. So my credit should be excellent. But the bureaus are not updating my account and score correctly. 

Please help in this as I am trying to purchase a house. Sigh.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My bank accounts will show I pay all my bills on time. But past accounts are still showing open or balance due. To include the reporting bureaus who have not purged old accounts from the report. There are far too many old accounts still showing open or if closed still on the report. My current accounts are all paid on time and as such my scores should be XXXX or better easy. These bureaus are not doing their simple task and really should all go away. Banks now have more access without needing these 3. However I would just request that they reflect my account correctly. 

I thank you for your service in this. I have tried getting this done all last summer of 2024. I should only have XXXX, for credit card in good standing. XXXX XXXX, XXXX and XXXX for auto loans. XXXX  XXXX XXXX was charged off but I have been paying the balance still. They really should not be charging me anything but I do pay them monthly so that should also be in good standing plus close paid in full I think it is a scam they charge it off then come for the money anyway. That is double dipping. But those accounts should all show in great standing no missed payments. And nothing else should be on my report. So my credit should be excellent. But the bureaus are not updating my account and score correctly. 

Please help in this as I am trying to purchase a house. Sigh.

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