vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: AR

Complaint narrative:
I NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT DUE TO A EQUIFAX DATA BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly the following provisions : 15 USC 1681e ( b ) - Duty to Ensure Maximum Possible Accuracy of Credit Reporting 15 USC 1681s-2 - Duty of Furnishers of Information to Report Accurate Information 15 USC 1681i ( 5 ) - Duty to Conduct Proper Investigations of Disputes 15 USC 1681c ( c ) - Duty to Remove or Correct Outdated or Inaccurate Information I have made multiple attempts to dispute inaccuracies on my credit report with Experian, but the company has failed to investigate the issues thoroughly or correct the errors as required by law. Despite sending letters disputing these inaccuracies, Experian has not properly investigated or addressed my concerns. Furthermore, the errors in question continue to negatively impact my XXXX XXXX and my ability to access credit, housing, and employment. 
I recently became aware of a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which accuses the company of conducting sham investigations and failing to remove or reinsert errors on credit reports. This lawsuit demonstrates a pattern of non-compliance with the FCRA and is relevant to my complaint. I believe XXXX actions ( or lack thereof ) in my case align with the issues raised in the CFPBs lawsuit. 
I respectfully request that the CFPB investigate XXXX 's handling of my disputes, ensure they are in compliance with the FCRA, and take appropriate enforcement actions to resolve my issues. I also request that Experian be required to remove any inaccurate or outdated information from my credit report, as it is harming my financial standing.

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 2025-02-10 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: IN

Complaint narrative:
equifax slows up investigations by sending stall letters over & over again! i have proved my identity many times! stop sending stall letters and complete investigations!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
A vehicle was financed in my company name. It was a joint agreement between myself ( the personal guarantor ) and my business ( with the XXXX ). Our company switched structures from an XXXX to and XXXX and did a legal merger through the XXXX XXXX of XXXX. Due to switching business structures, that required me to obtain a new XXXX. Upon going to the XXXX to be issued tags this past XXXX, they were unable to register the vehicle into the new business name reflecting the XXXX. Both the original name, and the new name are exactly the same with the exception of the previous being an XXXX, and the new company being an XXXX. The XXXX requested the lien older, Ally Financial to email them an updated title to reflect this change. Ally, upon requesting this is refusing to do so, telling me to contact that dealership where the car was purchased to refinance the vehicle. Currently, I have tags registered to my truck to a business that legally no longer exists due to the merger and new XXXX. This can create multiple issues legally in the event of an accident and with insurance. Ally is now refusing to answer my last message sent to them, and that has been asked on the phone that no normal representative can provide any explanation to. I am unsure how this scenario is any different than a married couple signing for a loan, and XXXX person were to die, that loan would default to the surviving spouse. In this scenario, if this is a joint agreement, such as they told me it was, between myself and my company, and the company is no longer in business, or has merged ( in this case ), why the loan and title would not default to myself. Instead they are telling me to completely refinance the vehicle to solve this problem. I have no idea how they can refuse to convert this loan/title to me, who is personally guaranteeing the loan which I am the only legal joint survivor of the loan since the company no longer exists other than through the new merger. They are refusing to provide an answer or explanation to this other than " we don't do that. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
XX/XX/year> Dear Experian, I hope this message finds you well. I am writing to formally request the removal of a bankruptcy entry that is currently being reported on my credit report. After contacting the credit bureaus regarding this matter, I received confirmation that the entry was verified by the Bankruptcy Court however, I have obtained a letter from the United States Bankruptcy Court that states the following : XXXX. The court received a letter regarding information reported on my credit files. 
XXXX. The credit bureaus obtained this information independently. 
XXXX. The United States Bankruptcy Court does not report information to credit bureaus. 

Given this information, I believe that the bankruptcy entry on my report is improper. The court 's statement indicates that the credit bureaus do not have the right to obtain information from a third party to report bankruptcies, especially when the bankruptcy in question was dismissed. 

I am requesting the removal of this bankruptcy for XXXX reasons : XXXX. The bankruptcy was dismissed. 
XXXX. The credit bureaus have no authority to report this information based on the court 's clarification. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy and completeness of the information they report. As such, I kindly ask you to review this matter and take the necessary steps to remove the bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
XX/XX/year> Dear Experian, I hope this message finds you well. I am writing to formally request the removal of a bankruptcy entry that is currently being reported on my credit report. After contacting the credit bureaus regarding this matter, I received confirmation that the entry was verified by the Bankruptcy Court however, I have obtained a letter from the United States Bankruptcy Court that states the following : XXXX. The court received a letter regarding information reported on my credit files. 
XXXX. The credit bureaus obtained this information independently. 
XXXX. The United States Bankruptcy Court does not report information to credit bureaus. 

Given this information, I believe that the bankruptcy entry on my report is improper. The court 's statement indicates that the credit bureaus do not have the right to obtain information from a third party to report bankruptcies, especially when the bankruptcy in question was dismissed. 

I am requesting the removal of this bankruptcy for XXXX reasons : XXXX. The bankruptcy was dismissed. 
XXXX. The credit bureaus have no authority to report this information based on the court 's clarification. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy and completeness of the information they report. As such, I kindly ask you to review this matter and take the necessary steps to remove the bankruptcy from my credit report.

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 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i have suffered a hardhsip due to loss of income and an ongoing injury and WC claim. I injured myself back in XXXX of XXXX and my family has been struggling ever since, we have applied for aid and assistance. capital one did offer to give reduced payments, however, when we requested for further assitance we were informed to " Purposefully '' let the loan get behind so that we could " qualify '' for further assitance. After doing as we were informed, we were then denied any deferment or payment assitance of any type. we had request3ed refinancing the loan and was told they were choosing to not refinance any loans at this time. to then we tried to refinance at another company, and they were unable to provide us a quote because of a falsely reported payment and interest rate of XXXX % i have been paying for this car since XX/XX/XXXX, and when we moved to florida, suddenyl nobody has our title and the lienholder has failed to obtain or provide any copies of paperwork in a timely manner, resulting in our inability to register the car in the state of florida legally. it has been more than 90 days since trying to file for registration, and we have been in contact with the XXXX and XXXX XXXX. the XXXX refuses to provide necessary documentation to the florida XXXX in which to issue another temporary tag as well. all the while we are still require to pay our monthly payment of over XXXX $ for the car, and we have had to utilize uber and door dash and other delivery services in response to not being able to legally drive the car. i believe we have done our due diligence and the the lienholder is failing to provide any form of resolution for us. we are expected the pay for something we don't even have the legal right to drive, and are expected to keep insurance on the vehicle, as well as foot the bill for any extra travel expenses or lack of ability to travel to and from work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
Request a XXXX XXXX XXXX XXXX ( XXXX ) regarding an inaccurate collection account that appears on my credit report. The account in question is being reported by XXXX ( XXXX XXXX XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reported status of this account as " open '' is a clear violation of the Fair Credit Reporting Act ( FCRA ), as collection accounts should not be listed as open. Furthermore, parroting information provided by data furnishers without actual independent verification constitutes willful noncompliance, as established in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ). 
Pursuant to my rights under the FCRA ( 15 U.S.C. 1681i ), I am requesting : Complete and Itemized Media of Information on this account, including : The original signed agreement or contract. 
A full payment history and itemized breakdown of the alleged balance. 
Verification of your independent investigation into this accounts accuracy.

Immediate removal of this account from all three credit bureaus ( TransUnion, Equifax, and Experian ) due to its inaccurate reporting.

Failure to comply with this request will leave me with no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
Request a XXXX XXXX XXXX XXXX ( XXXX ) regarding an inaccurate collection account that appears on my credit report. The account in question is being reported by XXXX ( XXXX XXXX XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reported status of this account as " open '' is a clear violation of the Fair Credit Reporting Act ( FCRA ), as collection accounts should not be listed as open. Furthermore, parroting information provided by data furnishers without actual independent verification constitutes willful noncompliance, as established in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ). 
Pursuant to my rights under the FCRA ( 15 U.S.C. 1681i ), I am requesting : Complete and Itemized Media of Information on this account, including : The original signed agreement or contract. 
A full payment history and itemized breakdown of the alleged balance. 
Verification of your independent investigation into this accounts accuracy.

Immediate removal of this account from all three credit bureaus ( TransUnion, Equifax, and Experian ) due to its inaccurate reporting.

Failure to comply with this request will leave me with no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office.

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 2025-02-10 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: PA

Complaint narrative:
on XX/XX/XXXX I filed a complaint with the ( CFPB ) about an account that at the time was in Civil litigation and should have been reported as ( currently in Litigation ) and or deleted from my credit report ( Pursuant to section 611 ) of the FCRA, I furnished court documentation which clearly states that the court order and decree included personal property which I listed as ( account # XXXX XXXX XXXX XXXX ) I Explained to the agency that the Divorce Decree allowed my Ex-wife to keep all the property in her possession including vehicles and real property in her possession, and that I was cleared of all Legal obligations as of XX/XX/XXXX and the decree in which I have sent to the agency in it's entirety orders me to be removed from the contract because I have no Legal claim to it once the Vehicle is paid in full, but the company ignored all my evidence and refused to provide me with any signed proof of the contrary. 

this account should have been deleted months ago according to the court order but the credit reporting agency refused to adhere to the order or the Legal evidence and has violated my Consumer rights under fraud ( Willful Non-Compliance ) and according to ( XXXX XXXX Transunion XXXX ), TransUnion is supposed to ensure MAXIMUM POSSIBLE ACCURACY .... this account violates these laws 15U.S.C 1681s2 - 15 U.S.C 1681 ( i ) - 15 U.S.C 1681i ( 5 ) - 15 U.S.C 1681e ( b ),

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 2025-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: John C. Heath, Attorney at Law, PLLC
State: DE

Complaint narrative:
In XXXX had decided that we needed to get our credit repaired.So I got account with Lexington law after a couple weeks after My mom got with them. So Lexington law charged my account for me and her. When I got the account with Lexington they had let me know what was on my credit. But after a couple months I didnt see any changes so got upset bc my credit score was not being repaired. I let them know that I no longer needed their services. And that was for me and my mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-10 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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 2025-02-10 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: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation