vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: CT

Complaint narrative:
Hello, Upon my review of my credit score I have noticed a few inaccurate inquiries on my credit report. I am also a victim of equifax data breach.

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX Bank ( Inquiry ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: NM

Complaint narrative:
Trans Union, Equifax and Experian are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports/files that do not belong to me.

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 2025-04-16 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-16 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: GA

Complaint narrative:
I am filing this complaint to dispute two inaccurate 30-day late payments reported by XXXX XXXX XXXX  on my TransUnion credit report for the account ending in XXXX. 

The late payments are listed for XX/XX/XXXX and XX/XX/XXXX ; however, I have no record or notification from the bank to support this reporting. I have consistently made on-time payments and believe these entries are in error. 

I previously raised this dispute with TransUnion, and the account is marked as disputed by consumer, but the issue remains unresolved.

These inaccuracies are harming my credit score, and I am requesting CFPB assistance to ensure XXXX XXXX XXXX  either provides verified evidence of the reported late payments or removes the inaccurate entries from my credit file.

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 2025-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am filing this complaint because I lost a total of {$3200.00} through Zelle due to a fraudulent scam. Zelle denied any responsibility based on the excuse that I authorized the payments. However, authorization obtained through deception is not valid and Zelles refusal to act shows gross negligence. 

An individual posing as a licensed mechanic convinced me to tow my car to their supposed shop. After receiving my vehicle, they fabricated new problems and requested repeated Zelle payments. After weeks of no responses, I went to the listed business address it turned out to be a wooded lot with no actual shop. When I confronted the scammer, he admitted the shop moved due to police activity. He later returned my car in worse condition, non-functioning, and unusable. 

Zelle failed to assist in any meaningful way despite : Detailed evidence of the fraud Multiple similar reports about the same scammer ( deleted online reviews ) Hours of phone calls and dispute attempts As a direct result : I lost {$3200.00} in fraudulent payments XX/XX/year> Zelle Debit PAY ID : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XX/XX/year> Zelle Debit PAY ID : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XX/XX/year> Zelle Debit PAY ID : XXXX ORG ID : BAC NAME : XXXX XXXX XXXX XX/XX/year> Zelle Debit PAY ID : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XX/XX/year> Zelle Debit PAY ID : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XX/XX/year> Zelle Debit PAY ID : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Total XXXX I had to tow and junk the car at my own cost ( ~ {$500.00} ) I lost my job due to no longer having transportation ( ~ {$6500.00} in lost wages ) My credit was damaged when my account overdrafted and I was denied a {$25000.00} auto loan I suffered extreme stress and financial hardship Zelle presents itself as a secure, trustworthy system integrated with major banks yet provides no real fraud protection. This is deceptive, and under Regulation E and CFPB guidance, financial service providers are expected to conduct good-faith fraud investigations. Zelle failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was charged a {$40.00} late fee by Capital One on XX/XX/year>, despite having scheduled a payment of {$190.00} on XX/XX/year>, for XX/XX/year>, from my Capital One checking account to my Capital One Quicksilver credit card ( confirmation # : XXXX ). This was an internal Capital One-to-Capital One transfer, which should have processed immediately or within the designated window. I contacted customer service and was told the system wont allow them to reverse the charge, which is not a valid justification. This fee is both excessive and unjustified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NY

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX for violating federal consumer protection laws regarding an invalid debt they are attempting to collect. 

XXXX. The Problem Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX a {$1000.00} loan with the current debt buyer. 
- Predatory Practices : The debt buyer claims I owe {$3500.00} ( 250 % + interest ) and falsely reported : - {$450.00} as owed- {$3300.00} as " charged off '' - No Validation Provided : They failed to send proof of debt ownership or an itemized breakdown per the FDCPA. 
A {$1000.00} loan requiring repayment of {$3500.00} ( 250 % + interest ) likely exceeds your states usury laws ( e.g., most states cap interest at 536 % ). 

XXXX. Legal Violations This debt buyer is breaking the law by : Forcing me to deposit {$3500.00} into savings ( as collateral? ) but not applying payments correctly could violate which was suppobly charged off written off -Truth in Lending Act ( TILA ) : Requires clear disclosure of loan terms.

-Reporting a {$450.00} balance while also claiming {$3300.00} " written off '' is contradictory and may violate the Fair Credit Reporting Act ( FCRA ) - Fair Debt Collection Practices Act ( FDCPA ) - 809 : Failed to validate the debt.

- 807 ( 8 ) : Falsely reported amounts to credit bureaus.

- Truth in Lending Act ( TILA ) - Never disclosed terms or interest rates.

- State Usury Laws - Charging illegal interest ( e.g., caps rates ).

-No contract exists with this collector.

-They cant report invalid debts.

- No Proof of Debt Ownership ( FDCPA 809 ( b ) ) : They must show a chain of title from the original lender.

-original loans interest + fees exceed my states limit ( e.g., 10 % in CA, 6 % in PA ), the debt is void -original lender sold this debt illegally ( e.g., without a clause allowing it in your original contract ), the sale is invalid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Late Payment Reporting Under 15 U.S.C. 1666b Dear XXXX  XXXX XXXX, I am writing to formally dispute the late payment reported on my account ( Account Number : XXXX ) as per the Fair Credit Billing Act, specifically under 15 U.S.C. 1666b. 

I have reviewed my records and found that the payment in question was made on from XXXX XXXX XXXX and should not be reported as late. The details of the transaction are as follows : - Payment Amount : {$630.00} - Payment Method : debit card, and/or online - Confirmation Number : [ If applicable ] Under the Fair Credit Billing Act, I have the right to dispute any billing errors, including unauthorized charges or incorrect late payment notices. Therefore, I respectfully request that you investigate this matter and correct my account records accordingly. 

Please provide me with a written response confirming the resolution of this dispute within the time frame allowed by law. I appreciate your prompt attention to this matter and look forward to your reply. 

Thank you for your cooperation. 

Sincerely, 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 2025-04-16 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX. XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX As required by XXXX XXXX XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-04-16 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: MD

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-16 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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 account listed without my expressed written consent.

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 2025-04-16 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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 account listed without my expressed written consent.

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 2025-04-16 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: GA

Complaint narrative:
Request for Removal of " Consumer Disputed '' Designation Dear Equifax and Experian Teams, I am writing to request the removal of the designation " consumer disputed '' associated with XXXX XXXX XXXX from my credit report. The presence of this designation has a severe impact on my credit profile and my ability to secure credit, loans, and other financial services. A " consumer disputed '' status can cause potential lenders to view me as a high-risk borrower, which may lead to unfavorable terms or outright denial of credit applications. I have diligently attempted to resolve this matter, but the ongoing designation continues to hinder my financial opportunities.

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 2025-04-16 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: MD

Complaint narrative:
I am writing to formally dispute certain information on my credit report, which I believe is inaccurate. According to my most recent credit report, the following item ( s ) are incorrect and need to be investigated and removed : I am requesting that these items be investigated, as required under Section 1681i of the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. The information provided appears to be false or outdated and I have reason to believe it does not accurately reflect my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-16 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: PA

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 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