vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX / Account # : - XXXX XXXX  / Account # : - XXXX XXXX  / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX Account # : - XXXX INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Repossession on My Credit Report To Whom It May Concern, I am writing to formally dispute an inaccurate repossession entry on my credit report that is causing undue harm to my creditworthiness. Upon reviewing my credit reports from XXXX and XXXX, I noticed that DriveTime/Bridgecrest has reported a repossession with a balance of {$16000.00}, which I believe is erroneous and should be removed or corrected immediately.

The disputed entry details are as follows : Creditor Name : DriveTime/Bridgecrest Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$16000.00} Date of Alleged Repossession : XX/XX/XXXX Credit Bureaus Reporting the Item : XXXX and XXXX Reason for Dispute 1. Inaccurate Reporting : The reported repossession contains incorrect information regarding the balance and payment history. I request a thorough investigation to verify its accuracy.

2. Failure to Provide Proper Notification : If the lender failed to provide the legally required notices before repossessing the vehicle, this would constitute a violation of federal and state consumer protection laws.

3. Potential Violation of the Fair Credit Reporting Act ( FCRA ) : If this information can not be verified with proper documentation from the creditor, it must be removed from my credit file immediately per FCRA guidelines.

4. Possible Wrongful Repossession : If payments were made or an agreement was in place that the lender ignored, the repossession should not have occurred, making this entry invalid.

Enclosed, please find copies of my credit reports from XXXX and XXXX, highlighting the disputed repossession. Additionally, I have included any supporting documents that may help in resolving this matter.

Please respond to this dispute in writing within 30 days as required by law. If no resolution is reached, I will consider escalating this matter further, including seeking legal remedies if necessary.

I request that you investigate this matter and require the credit bureaus to provide proper validation. If the creditor can not verify the accuracy and legitimacy of this account, I request that it be deleted from my credit report immediately.

Thank you for your time and assistance in resolving this issue promptly. I look forward to your response.

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
After resolution from XXXX XXXX XXXX, they decided to send this debt to another collections agency. Here is the previous resolved complaint : " I received an email ( XX/XX/XXXX, XXXX XXXX CST ) informing me that my XXXX credit score dropped to XXXX, due to a " collections balance '' from " XXXX '' ( no idea who this is, and I've NEVER received contact from them by phone, email, mail, etc. ) of {$530.00}. Listed is the original creditor " American MedicaXXXX XXXX '', I believe an ambulance company that transported me ( and apparently billed me ) over 4 years ago. This debt is illegitimate, as I was transported against my will, and forced to sign a document while lacking the required capacity to enter into a legally-binding contract. Whether or not it's viewed as legally valid debt, I don't believe NO contact, and opening a debt collections account by dropping a bomb on my credit makes any real legal sense. I wasn't notified of my ability to dispute, I just now received their contact information BECAUSE I LOOKED IT UP... I have no desire to give up my information just to simply be harassed, as these business reviews suggest. '' This is beyond ridiculous, and I have no problem taking this to litigation. Take the {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 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 2025-01-29 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: NY

Complaint narrative:
I am writing to follow up on my previous communications regarding several errors and inaccuracies I have identified on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.

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 2025-01-29 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
I initially disputed multiple fraudulent accounts on my credit report, and I appreciate the credit reporting agency 's prompt response in deleting some of them. However, it has been over a month, and they have failed to remove the following fraudulent accounts : XXXX XXXX XXXX XXXX Personal Loan {$9900.00} balance XXXX XXXX XXXX XXXX XXXX {$32000.00} balance These accounts do not belong to me and were opened fraudulently. I have already provided an FTC Identity Theft Report and all required supporting documentation. Despite this, the credit reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) by not removing these accounts within the legally required timeframe.

Specifically, they are in violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires them to reinvestigate and resolve disputes within 30 days, which they have failed to do.

15 U.S.C. 1681c-2 ( a ) Mandates the immediate blocking of fraudulent information once identity theft has been properly reported.

15 U.S.C. 1681n & 1681o Provides for legal action and damages if they willfully or negligently fail to comply with FCRA requirements.

I have made multiple attempts to follow up, yet the accounts remain on my credit report, negatively impacting my credit and financial well-being. This is unacceptable and unlawful.

The credit reporting agency must immediately and permanently delete these fraudulent accounts from my report, or I will be forced to take legal action to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year> at XXXX, a deposit slip and XXXX XXXX XXXXXXXX was given to teller XXXX to deposit the check into my business checking account. XXXX deposited the check into my wifes account causing all kinds of problems within my household. By not paying attention XXXX disclosed my personal business to my wife, which caused us to argue and separate. The management team placed a 5 day hold on a XXXX XXXX XXXX XXXX  which only shouldve been held for 1 business day. I spoke to a representative and she stated the hold cant be changed. She stated not even a portion of the check could not be released. My business cant operate with no funds due to Capital One errors.

Previous a week ago Capital One Bank I believe was hacked because my business account disappeared from the system and my wife account didnt receive her direct deposit for 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FILED ALL THE PROPER REPORTS AND PAPERWORK. THIS IS MY OFFICIAL DISPUTE INFORMING THIS AGENCY OF THESE FALSE INQUIRIES AND ACCOUNTS THAT BEENPLACED ON MY CREDIT FILE. UNDER THE FCRA ALL FALSE INFORMATION IS TO BE REMOVED AND WITH THAT SAID I RESPECTFULLY ASK FOR THESE FALSE AND FRAUDULENT ACCOUNTS AND INQUIRIES BE REMOVED.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted three requests for Exp to correct my personal addresses. Not only have they not corrected it, they are reporting two addresses that arent ' even me. One is for another state. I have submitted my CDL for proof and my credit report still is innaccurate. This opens me up to fraud and identity theft. I need my credit report to reflect true and verifiable information.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Sending money via XXXX with no explanation or disclosure regarding confirming recipient and money not arriving on other end

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 2025-01-29 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: NV

Complaint narrative:
IDENITY THEFT REPORTS AND POLICE REPORT AND FTC REPORTS ALL BEING UPLOADED BECAUSE OF IDENTIY THEFT.

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 2025-01-29 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: NV

Complaint narrative:
IDENITY THEFT REPORTS AND POLICE REPORT AND FTC REPORTS ALL BEING UPLOADED BECAUSE OF IDENTIY THEFT.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is complaint about the XXXX XXXXXXXX branded Bank of America credit card. 
I had called the customer support on XX/XX/XXXX, regarding the eligibility for meeting the companion fare discount coupon for the next 12 months ( in year XXXX ) based on the spendings on the credit card in XXXX. 

After a long hold on phone and discussion, the conclusion was that yes, I would be getting the companion code discount code. I confirmed with the agent on the phone that this decision and conclusion gets logged/ written down in the call notes and gets documented. 

I followed up on XX/XX/XXXX, regarding the companion fare discount code. The call was escalated to supervisor XXXX ( ID XXXX ). He confirmed the call notes and the conclusion for the XXXX call and opened the Case number XXXX regarding my request to be given the Companion Discount Code. 

I followed up again on XX/XX/XXXX, and spoke with XXXX. He mentioned that decision will be provided by XX/XX/XXXX. 

I followed up again on XX/XX/XXXX. Spoke with agent XXXX. She mentioned that a letter has been mailed a day ago asking me to call XXXX for the status of my case. This was supposed to be the Backoffice looking into the case. I was connected to this number and spoke with XXXX XXXX. She informed me that their investigation shows that I am not eligible to get the Companion discount code. On being asked as to why was then it confirmed on XX/XX/XXXX, that I would be given the discount code or why they are not honoring their promise or why are they not considering the written call notes regarding the decision that I will be provided the Companions Discount code was not answered.

Based on the assurances of the Credit Card company, I had continued with my participation in the credit card for which the company charged me annual fee of {$95.00} in XX/XX/XXXX statement on 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
This is my first request to Innovis to remove the security freeze from my credit file. I am providing all necessary personal information, including my name, address, Social Security number, and date of birth, along with supporting identification documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

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 thorough investigation. This practice violates the Fair Credit Reporting act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's 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. 


These are the accounts I have marked as inaccurate : XXXX XXXX- Account number : XXXX ( {$1100.00} ) XXXX XXXX XXXX- Account number : XXXX ( {$490.00} ) XXXX XXXX  XXXX- Account number : XXXX ( {$750.00} ) XXXX XXXX XXXX Account number : XXXX ( {$2500.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report specifically pertaining to XXXX XXXX account, leaving inaccurate or unverifiable accounts unresolved. Despite providing clear documentation and evidence to support my dispute, Experian and XXXX neither removed nor corrected the XXXX XXXX  account information. 

This failure aligns with the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, which highlights systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to adequately notify consumers of dispute outcomes. 

In my case, Experian and XXXX failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities. 

I urge the CFPB to investigate Experian and XXXX ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.

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