vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: DE

Complaint narrative:
Subject : Third Complaint Against Equifax for Non-Compliance and Failure to Provide Written Authorization Date : XX/XX/year> Consumer Information : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Company Name : Equifax Complaint Summary : I am filing this complaint against Equifax for their continued non-compliance with my previous requests regarding inaccurate information reported on my credit report. This is my third complaint, and I am now seeking monetary relief due to Equifaxs willful failure to address my concerns, even after I have communicated with them in writing multiple times. 

Equifax has not corrected inaccurate information on my credit report, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of which I dispute as incorrect. I have asked Equifax for clarification and correction but have yet to receive a satisfactory response. Additionally, Equifax has failed to provide written authorization from me, as is required by law, despite multiple requests. This continued failure to comply has caused significant harm to my financial wellbeing. 

Specific Allegations : Failure to Provide Written Authorization : Equifax has failed to send me written authorization from myself, which is required by law. I have made several requests for this and have not received any response or compliance. 

Inaccurate Inquiries Reported : The following inquiries are inaccurately reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are erroneous and should not be on my credit report. Despite my communication with Equifax regarding these inaccuracies, no corrective action has been taken. 

Willful Non-Compliance : Equifax has demonstrated willful non-compliance with my rights under the Fair Credit Reporting Act ( FCRA ). I have provided written notice of the inaccuracies in my report, but Equifax continues to report incorrect information without making necessary updates or corrections.

Violation of FCRA Section 605B : Under Section 605B of the Fair Credit Reporting Act, I am entitled to request corrections to inaccuracies on my credit report. Equifaxs failure to comply with these requests violates this section of the FCRA. 

Requested Resolution : Immediate correction of all inaccurate inquiries, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Provision of written authorization from myself, as required by law. 
Full compliance with my rights under the Fair Credit Reporting Act ( FCRA ), including the accurate reporting of all information on my credit report. 
Consideration for monetary relief due to the harm caused by their non-compliance and failure to uphold legal obligations. 
I trust the CFPB will investigate and hold Equifax accountable for its continued violation of the law and my rights. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: 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 2025-01-24 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: DC

Complaint narrative:
I am filling a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hours 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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. 

These are the accounts that are marked inaccurate. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
am filing a complaint against XXXX XXXX XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
XX/XX/year> at XXXX ( EST ) I called Mohela and waited on the phone for XXXX hours and XXXX minutes to be eventually hung up on. 

XX/XX/year> at XXXX I called Mohela and waited on the phone for XXXX hour and XXXX minutes to again be eventually hung up on. 

This is unacceptable and obviously Mohela can not keep up with the volume of callers. You can not submit an email or an online chat to address an issue. So the only way is to call them. The lowest wait time is XXXX hours only to be hung up on. My time is valuable and it shouldn't take several days and hours and hours of waiting to speak with someone. This is very very frustrating!! They state their website is up to date but that is not the case so I have to call to get this straightened out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a debt from a Termination of Tenancy action where we retrained our ( double security deposit ) and now after the fact, XXXX XXXX XXXX XXXX. is showing us as owning them money when I in fact They owe us! 
The resident property XXXX told us we would receive our refund within 21 days and I recently received this notice of a NEW DEBT which is incorrect and has caused my family to be denied housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
This complaint is being submitted with full certainty and seriousness. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. This ongoing issue is extremely concerning and has caused me significant stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
There was a balance owed on my utility bill. The bill was sent to a collection agency named XXXX credit. The bill was taken care of by the original creditor ( utility company XXXX XXXX. but the creditor still remains on my account for {$610.00}. and has not been removed. the bill is caught up with the utility company. also i have not been contacted nor can i find an agency called torres credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be errors. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA XXXX XXXX. If you have no proof immediately of any or XXXX, I would like it removed immediately. 

This company reached out to me on XX/XX/year> to confirm a loan that was approved in my name. I told them that I did not apply for a loan, and they cancelled the application and I was told to reach out to all the credit agencies to correct any incorrect information. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 


Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, Texas XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be errors. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or XXXX, I would like it removed immediately. 

This company reached out to me on XX/XX/year> to confirm a loan that was approved in my name. I told them that I did not apply for a loan, and they cancelled the application and I was told to reach out to all the credit agencies to correct any incorrect information. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 


Thank you for your time and help in this matter. 
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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
XXXX is inaccurately reporting things on my credit report, showing old account not properly investigating accounts showing multiple discrepancies.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX is inaccurately reporting things on my credit report, showing old account not properly investigating accounts showing multiple discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Bank account # XXXX XXXX XXXX date - XX/XX/year> These entries are inaccurate and must be removed from my credit report immediately. 
I believe the late payment entries are a result of a reporting error or a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666b. This statute requires that credit transactions be reported within a specific timeframe. In my case, the late payment entries were likely reported outside of this timeframe, making them inaccurate. 
Furthermore, the reporting of these inaccurate late payment entries is a violation of my consumer rights under the XXXX XXXX. This act protects consumers ' personal financial information, including their credit reports. 
I demand that you remove these inaccurate late payment entries from my credit report within [ number ] days. Your failure to do so will be considered a violation of my rights under the FCRA and the XXXX XXXX and XXXX constitute defamation of character. 
I have attached copies of documents that support my dispute. Please investigate this matter promptly and provide me with a written confirmation of the removal of these inaccurate entries.

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing this because my Capital One Account was fraudulently charged for {$390.00} by XXXX XXXX on XX/XX/XXXX. 
Regrettably, whoever reviewed my case initially at Capital One failed to recognize that the supporting documentation provided by the merchant does not contain my name, XXXX XXXX, anywhere in it. Instead, this documentation repeatedly names XXXX XXXX as the person who authorized the purchase with my credit card information. 
This is the clearest possible indication that this charge is fraudulent, as well as the fact that the person who stole my information uses a personal address from Texas, which is nowhere remotely near my own address in Pennsylvania. Lastly, this person provided their own personal email address to the merchant, which can be seen on page XX/XX/XXXX in the supporting documents, and that clearly does not match my personal email address either. 
I do not have any additional documentation regarding this case because I never authorized, cancelled, or attempted to refund this purchase or anything of a similar nature. That said, this supporting documentation is clear evidence of the fact that I am in no way responsible for this purchase and that I am a victim of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a savings and checking account, I am concerned because looking over my account, I was charged XXXX over draft fees, when XXXXXXXX XXXX  purposely held the funds in the account, then I over drafted and was charged a fee by the bank and by the lending company. I would put funds in the account to pay bills and XXXX XXXX  will hold the money for almost XXXX weeks, this happen for my rent payment and credit card payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: KS

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> I noticed that my credit score had decreased by XXXX points in XXXX go. I contacted TransUnion and got the runaround a bit. I made several phone calls until later that day I was able to speak to a supervisor who tried to give an explanation that did not make sense. Theirs was the only Bureau that had dropped my score. There is nothing I have done differently and my balances were showing as decreased as they do every month. To date, theirs is the only Bureau that has decreased my score. I don't have a clear reason why my score would drop XXXX points XXXX XXXX XXXX I do not feel that TransUnion is scoring my information properly and something is very wrong. I was also given different reasons by different representatives. My credit is not new. In all the years I've had credit this has never happened. I have gone through hardships and have worked very hard to increase my score and maintain it.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I disputed an account with Experian because the info did not match or seem accurate. They did an investigation and it came back verified. I am demanding a reinvesting action and also proof of contract or documentation connecting me to said debt *CREDIT RECOVERY SYSTEM

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