vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: OR

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

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 2025-01-23 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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.

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 2025-01-23 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 request the removal of two entries from my credit report : one for a collection account and another for a charge-off. Both accounts have been inaccurately reported, and I believe these errors need to be corrected. I have already resolved similar issues with XXXX and XXXX, but these entries remain on my TransUnion report. 

Account Details : Collection Account : Creditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Reported : XX/XX/XXXX This account was sold to a third-party collection agency without my authorization or consent, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from selling debts to third parties without proper authorization, and I was never notified of this transfer. This is not only a violation of my rights but also an illegal practice. Additionally, this account has been removed from both XXXX and XXXX, yet it remains on my TransUnion report. I respectfully request that this account be removed from TransUnion as well. 

Charge-Off Account : Creditor Name : XXXX Account Number : XXXX Reported Date of Charge-Off : XX/XX/XXXX Furthermore, under New York State law, the statute of limitations for debt collection has been reduced from XXXX years to XXXX years, as per the Consumer Credit Fairness Act. Both of these debts are beyond the applicable statute of limitations and should no longer be reported as charge-offs or collections. 

I respectfully request that TransUnion remove these entries from my credit report in accordance with the updated legal framework and the actions taken by the other credit bureaus. 

If you require any additional documentation or information to process my request, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NY 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 2025-01-23 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have two accounts thats been paid off, and I reached out to TransUnion and XXXX to dispute it to have it removed from my account since its paid off. Each time I dispute it, it was denied. And I had a debt collection on my account and I was harassed for 12 months straight with threatening letters and calling my phone at odd hours, before XXXX and also XXXX. With different multiple phone numbers. TransUnion and XXXX has not been of help disputing for the past XXXX years, everything was denied.

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 2025-01-23 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:
XXXX has failed to fulfill 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 has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience where XXXX has neither corrected nor remove disputed items despite the evidence I provided, causing on going harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX violates federal law 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 non-monetary relief
Consumer complaint received 2025-01-23 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:
XXXX has failed to fulfill 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 has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience where XXXX has neither corrected nor remove disputed items despite the evidence I provided, causing on going harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX violates federal law my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
XXXX XXXXXXXX Bankruptcy is listed on my credit report. I didnt file a bankruptcy and I have contacted the court. The court has informed me that they didnt supply them with any ino about me, but the bureau is saying that I indeed have a bankruptcy. It is not being verified because it is ficticious and they have not contacted the court. They are willfully providing false reporting. 
I have submitted a fraud affidavit along with the police report number from the city of XXXX XXXX XXXX and they will not remove all of the listed fraudulent accounts and address and inquiries from my credit report. 
The listed fraudulent info is XXXX  XXXX bankruptcy XXXX XXXX {$11000.00} XXXX XXXX {$4900.00} XXXX XXXX  XXXX {$1600.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$2400.00} XXXX XXXX {$11000.00} XXXX XXXX {$4900.00} XXXX XXXX XXXX {$3700.00} XXXX {$61.00} all XXXX XXXX XXXX XXXX accounts multiple XXXX XXXXXXXX XXXX {$5600.00} XXXX XXXX {$5100.00} XXXX XXXX {$160.00} inquiries XXXX XXXX XXXX XXXXXXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
The delinquent payment showing on my credit report XX/XX/XXXX was a result of my job loss due COVID-19. The to CARE ACT, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX. This act amended the fair Credit Reporting Act ( FCRA ) no stop adverse credit reporting during the COVID-19 crisis under these circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 communicating to you in respect of Zelles handling of disputes, especially taking into consideration the recent CFPB lawsuit stating certain issues with its platform. Even though I have used Zelle countless times and have reported discrepancies, Zelle and my banking institution did not investigate my claims appropriately. I was only informed that lost funds were impossible to recover as well as tracking them. CFPB has found not only that Zelle has allowed repeat offenders to exploit the system but has also neglected to protect consumers, which have left users vulnerable to multiple scams. The lack of transparency and responsibility in my opinion is unacceptable and raises my and many other consumers concern on our safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
To whomever it may concern, I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
OnXX/XX/2024 I filed a dispute due to an error made by XXXX XXXX that my XXXX XXXX balance had increased. Once the dispute was completed it concluded that my XXXX XXXX balance has been updated with the correct amount. XXXX added my points back that were taken due to this mistake but Equifax did not. It has been almost XXXX  months now and no points been added back from that situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Axela Technologies, Inc
State: IN

Complaint narrative:
In XX/XX/XXXX, I purchased a house which is located in an HOA community. In XX/XX/XXXX, I filed bankruptcy and notified the HOA. At that time I had never received a bill for HOA fees. From that time forward, I did not receive any other bills. In XX/XX/XXXX, my XXXX XXXXXXXX bankruptcy was discharged. In XX/XX/XXXX, I receive a letter from Schwartz Vays demanding that I pay roughly {$3600.00} or they would place a lien in my home. I called them and have the phone call recorded and advised them that I would have been in bankruptcy and had never received a bill. I told them that I would reach out to the HOA to which they responded they wont talk to you. I called the HOA anyway and after several recorded phone calls the HOA finally admitted that they had not in fact sent any bills. They also advised me that they had placed this debt with the collection agency in XX/XX/XXXX. I fully believe that this company Intentionally and deliberately held onto this bill from XX/XX/XXXX through XX/XX/XXXX and continue to add collection interest in late charges in an effort to collect more money. When I filed my dispute, they continued to add interest in late fees. As of this state, they still have not Answered my request for any information including bills. My dispute is dated XX/XX/XXXX. This does not fall under the reasonable timeframe that a company has to respond.

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Purse was stolen on XX/XX/XXXX. XXXX XXXX  in purse was used the next day to withdraw {$4500.00} from checking account in 9 separate transactions. Police came to location of crime on XXXX XXXX and wrote up a police report. I went to Santander bank the morning of XXXX XXXX to report card stolen. A claim was filed with Santander bank regarding the use of the stolen ATM card. Bank denied claim and refused to provide detailed information on denial. Santander customer service representative stated that the denial was based on " inconsistencies between account activity and/or the documentation provided ''. They said this meant that they did not see failed attempts of using PIN with the card. They were unable to tell me how my PIN was compromised. I was also denied the opportunity to speak with the bank representative that handled the claim review. The following documentation was provided to Santander : police report ; police contact information ; receipt from repair of vehicle window damaged during incident ; and police report request form.

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 2025-01-23 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 XXXX XXXX BREACH. PER XXXX USC XXXX 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  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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