vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: OH

Complaint narrative:
This is the XXXX time asking.. XX/XX/year> I called over the phone and had all names that I don't go by to be removed. All the address that don't belong to me to be removed. Have any jobs removes from my credit report as well. 
Today I received a updated report from you thanks for sending it.. however these names and address are still on there when I called and did this over the phone at the time l. So why are they back on my report again? Please remove the names and address they don't belong to me.. 

Please remove address 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 Please remove these names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian put these back on my credit after telling them to take them off over 1 year ago.. this is my credit report and the refusal to remove these are violation of my rights since they were taking off last year in 2024 and put back on.. 

Once you do this please send a updated report to me showing the deletions again.. 

PLEASE TAKE NOTE : I have send XXXX XXXX information on my address and ss #. Plus passport info..I will as well send Experian. And XXXX as well the same paper work. 

AS WELL please take note : I do not file taxes there is no law stating I do not have a driver 's license because there is no law to have one I do not have a mortgage yet.

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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I made payments of XXXX and was caught up on my account but now they are saying I'm behind because of hight interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX - {$330000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution 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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute inaccuracies in the reporting of my XXXX XXXX  account ( Account # XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure accurate and complete reporting of consumer credit information. However, I have identified several discrepancies among the reports from TransUnion, Experian, and Equifax and this account must be deleted immediately.

Discrepancies in Reporting : 1. High Balance Discrepancy : TransUnion : {$6800.00} Experian : {$0.00} Equifax : {$6800.00} This amount should be reported consistently across all bureaus.

2. Date of Last Activity : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The date of last activity should match across all reports.

3. Date Reported : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Equifax has an incorrect date reported. 

4. Creditor Remarks : TransUnion : Canceled by credit grantor Experian : Unpaid balance reported as a loss by the credit grantor Equifax : Accounts closed by credit grantor These remarks should be consistent across all bureaus.

5. Payment History Discrepancies : Experian shows inconsistent late payments ( OK status, followed by XXXX, XXXX, XXXX, XXXX, XXXX  days late ) and then charge-off ( CO ). 
Equifax displays a different late payment timeline and charge-off reporting.

TransUnion does not report any payment history at all, which is an inconsistency.

Under the FCRA, I request that you delete this account since it is reporting inaccurately. Thank you for your prompt attention to this matter. I expect a deletion within the 30-day period required by law. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OK

Complaint narrative:
This is with the Cash App. I can not reach a live person to talk to to discuss the problem of my money not being available for withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to formally request your assistance regarding the removal of an unverifiable XXXX  XXXX bankruptcy from my credit reports. Despite repeated efforts to verify the information, the credit reporting agencies and data furnishers have failed to provide adequate validation. 

The bankruptcy in question was allegedly filed on XX/XX/year>. However, TransUnion, Equifax, Experian, and XXXX have all confirmed that they were unable to verify or validate this item. XXXX, in particular, explicitly stated that they do not have any record of this bankruptcy being reported. Consequently, XXXX removed the entry from their respective databases. 

Under federal and Kentucky state statutes, the continued reporting of unverifiable information violates my consumer rights : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : 1681i ( a ) ( 1 ) ( A ) requires consumer reporting agencies to verify disputed information within 30 days or delete it.

1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum accuracy.

1681c ( a ) ( 1 ) allows bankruptcy information to be reported only if it is accurate and verifiable.

2. Consumer Financial Protection Act ( 12 U.S.C. 5531 ) prohibits unfair, deceptive, or abusive acts related to financial reporting.

3. Kentucky Consumer Protection Act ( KRS 367.110 - 367.300 ) prohibits deceptive and unfair trade practices, including the mishandling of consumer credit information. 

I am requesting that CFPB take immediate action to investigate this matter and ensure that the unverified XXXX  XXXX bankruptcy is permanently deleted from my credit report. If the information can not be verified according to legal standards, it should not be reported. They have refused to delete the item which is imploding my ability to purchase a home and causing me to pay thousands more in interest every 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 explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a dispute letter to Clarity and was sent back a letter stating they were not going to investigate. I like this done

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 2025-02-04 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: CA

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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: PR

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain 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 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: VA

Complaint narrative:
I requested that this company send me a wet signature of this debt. I also disputed it I said I never signed a contract for this debt please send me contract with a wet signature of this debt and this was remove from my credit report. The account has been illegally reaged to XX/XX/XXXX24 please remove forFCRA violation. And also asked for verification for this debt. They didnt provide me with any documents just a bill and collections on my report for {$10000.00}. Also they called me multiple times for this debt. I had to change my phone number because they were calling me all the time harassing me. They also removed this off my credit report between XX/XX/XXXX, 2024- XX/XX/XXXX2024 and recently added it back months later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian 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, 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 2025-02-04 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 an identity thief from the credit Bureaus Experian, Equifax, FICO, and also the XXXX XXXXXX/XX/XXXX have all had data breaches. I now have people calling my phone with my full name, address, and phone number due to the mishandling of my information. This has been happening for years, now my information is being used. I would like some assistance with this as I can no longer trust the Credit Bureaus and the banks.

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 2025-02-04 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I recently checked my credit report and noticed incorrect and inaccurate information relating to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MI

Complaint narrative:
Was having issue sending or receiving funds was not able to speak with anyone about the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian 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, 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 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 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) that you the Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XX/XX/XXXXXXXX on XX/XX/XXXX for {$410.00}, XXXX XXXXXX/XX/XXXXXX/XX/XXXX opened on XX/XX/XXXX for {$760.00}, XXXX XXXX opened on XX/XX/XXXX for {$290.00}, XXXX opened on XX/XX/XXXX. Another loan opened at XXXX XXXX on XX/XX/XXXX. Another loan opened at XXXX on XX/XX/XXXX. These accounts have resulted in several hard inquires and fraudulent collections appear on my consumer report. Hard inquires : XX/XX/XXXXXXXX XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-03 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: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Service finance company , LLC, a division of truist bank, did conspire with window depot of XXXX ohio, to fraudulently sell me a replacement entrance door, with terms as listed : promotional finance arrangement of XXXX down, XXXX interest, XXXX payment until 12 months after date of completion. I was sold this arrangement by XXXX XXXX of window depot in my house in XXXX of XXXX. The installation was on XX/XX/XXXX. It was faulty and incomplete despite a contractual 1 day install. The finance company emailed me on XX/XX/XXXX stating a certificate of completion was sent by XXXX XXXX, and payment of XXXX will be released unless they hear from me. When I objected to the release of funds, Service finance changed the terms of the payment contract without my permission, to 13.99 % beginning in 90 days. This is despite Service finance, LLC approving me for 12 months deferred interest and payment for the identical entrance door, but with west shore homes. That finance deal was approved by Service finance , LLC 3 days prior to me canceling with west shore homes due to horrible online reviews. The contract with window depot was the identical door, and the identical terms that was signed only 3 days after canceling with west shore homes. The 2 different females spoke to from Service finance, llc retaliated because I refused to approve the certificate of completion. My terms of repayment were then illegally altered to reflect a 90 day deferral, with 13.99 % interest.

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