vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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:
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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
these inquiries i did not authorize, on all my cars i go to the bank and get a draft check to purchase my cars, these were fraudulent

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 2025-02-02 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: OH

Complaint narrative:
Subject : Urgent Dispute and Request for Removal Under FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent items from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). The following accounts and inquiries were fraudulently added to my credit report without my authorization and must be removed immediately in compliance with federal law. The presence of this inaccurate information on my credit report has caused significant harm, including defamation of character and financial loss, as well as severe emotional distress. This situation has negatively impacted my mental health and resulted in lost opportunities. I demand immediate correction of this error to reflect accurate reporting. 

The fraudulent accounts/inquiries include : 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 8. Identity Theft XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 9. Identity Theft XXXX XXXX XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 As required by law, the credit bureau must remove these items from my report within four business days of the submission of my complaint to the Consumer Financial Protection Bureau ( CFPB ). This statute mandates the immediate blocking and deletion of any fraudulent information reported by an identity theft victim. 

I have enclosed the following documentation in support of my dispute : A copy of my FTC Identity Theft Report A copy of my government-issued identification Any additional supporting documentation Failure to comply with this request within the mandated timeframe will leave me no choice but to pursue further legal action and escalate this matter to the appropriate regulatory authorities. 

Please confirm in writing that the fraudulent items have been removed and provide me with an updated copy of my credit report reflecting these changes. 

I appreciate your immediate attention to this matter. Should you require any further information, please contact me at the details provided above.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: EQUIFAX, INC.
State: LA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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: CT

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-02-02 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:
FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ) Creditors and furnishers of information must report accurate and complete information. Reporting a charge-off while simultaneously attempting to collect as an active account is misleading and constitutes inaccurate reporting.

FDCPA 807 ( 2 ) ( A ) ( 15 U.S.C. 1692e ( 2 ) ( A ) ) It is unlawful for a creditor or collector to misrepresent the legal status of a debt. If the debt was charged off, it should not continue to be reported as active collection by the original creditor.

FCRA 605 ( a ) ( 4 ) ( 15 U.S.C. 1681c ) A charge-off remains on a credit report for seven years from the date of first delinquency. However, the creditor can not continue to update the status as if it is currently past due when it has been charged off. 

These are the accounts being illegally reported XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) A debt collector must validate a debt within 30 days of my request before continuing collection. If they fail to do so, they can not legally collect on it.

FDCPA 808 ( 15 U.S.C. 1692f ) Prohibits unfair practices, including attempting to collect a debt that is not legally owed due to incorrect assignment, lack of validation, or expiration under the statute of limitations.

FDCPA 813 ( 15 U.S.C. 1692k ) I have the right to seek damages if a collector is unlawfully attempting to collect on a debt they have no legal right to.

Below are the accounts from Collection agencies being illegally reported. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I do not believe this debt is valid. Asking for forward flow agreement and chain of assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. There inquiries on my credit report that was done fraudulently. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I reached out to experian fraudulent department and XXXX told me that the ones couldn't be removed even after I explained that it was done fraudulently. I request that these items be removed immediately.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Total Auto Finance
State: MD

Complaint narrative:
I have contacted the third party that loan was sold to multiple times to get the loan removed. The vehicle was a total loss and I had gap insurance on the loan. I provided a police report and the vehicle is not in my possession anymore. Also charged more on the loan once the loan was sold to the other company. The amount remaining on the loan is about {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The day I flew out of XXXX, XX/XX/XXXX they decide to close my account. I believe it was because I charged something in XXXX when I was there or use one of my cards. Im not completely sure but I also deposited money into my account before I left. It was above XXXX but I was just making sure I was covered for my trip considering I would be gone for a while. Im back in the country now and I received a letter of account closure XX/XX/XXXX. The bank is JP Morgan Chase.

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

Complaint narrative:
I have been trying to dispute fraudulent information on my credit report for months The accounts were opened in result of fraud The Fair Credit Reporting Act mandates that all credit bureaus report only valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. They are not cooperating with me at all. This is in direct violation of the FCRA, 15 U.S.C. 1681 et seq.

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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate late payment information that has been reported on my credit file in connection with my XXXX XXXX XXXX  account ( Account Number : XXXX ). Upon reviewing my consumer reports, I discovered discrepancies indicating late payments that I firmly believe are incorrect. 
I have consistently made timely payments on this account and have never missed a due date. The accuracy of credit reporting is critical, and I request a thorough investigation into this matter. I kindly ask that you provide documented evidence, such as account statements, supporting the reported late payments. If such evidence can not be provided, I request that the inaccurate late payment notations be removed immediately to reflect my actual payment history. 
I appreciate your prompt attention to this matter and look forward to a resolution that ensures my credit report accurately reflects my financial responsibility. Please confirm receipt of this dispute and provide updates on the status of the investigation at your earliest convenience. 
Thank you for your time and assistance.

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 2025-02-02 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: MO

Complaint narrative:
I am filing a formal complaint against Equifax for failing to investigate a debt before reporting it on my credit report. The debt in question is listed under XXXX XXXX XXXX XXXX with a balance of {$43000.00}, reported on XX/XX/year>. 

I dispute this debt and request that Equifax conduct a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). However, Equifax has failed to verify the accuracy of this debt before reporting it, which has negatively impacted my credit. 

I request that the CFPB take action to ensure Equifax : Conducts a full and proper investigation into this debt. 
Provides documentation proving its validity. 
Removes the inaccurate or unverified information from my credit report. 
Equifax, I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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