vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: AR

Complaint narrative:
Experian has failed to fulfill its obligation under the fair credit reporting act to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverified accounts relapsed. The CFPB has realty filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumer of dispute outcomes. These failure align with my experience where experience 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.

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 2025-02-05 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: AR

Complaint narrative:
Experian has failed to fulfill its obligation under the fair credit reporting act to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverified accounts relapsed. The CFPB has realty filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumer of dispute outcomes. These failure align with my experience where experience 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, XXXX XXXX XXXX XXXX ACCT # XXXX have violated my rights. 

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.

This unlawful collections agency has violated my consumer rights and caused me to be denied for vital items such as housing for my children and I.

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 2025-02-05 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:
Back in XXXX i have a debt in hospital that i paid back in XXXX they take it out off credit report a year later came back i send this letter to experian last year take it out now is back again is the same account they always put it back and the now i paid this account

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2025-02-05 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-02-05 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: DE

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2025-02-05 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: CL Holdings LLC
State: LA

Complaint narrative:
Good morning, I need clarification as to why you are reporting certain information on my credit report. 


Please review the following : Jefferson Capital LLC Reference- XXXX I am aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please email or mail me this documentation otherwise delete this unverified account from my credit. 



Email : XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX, La XXXX Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
I am a victim of identity theft, and multiple fraudulent accounts, inquiries, and collections have appeared on my credit report without my authorization. I discovered these fraudulent items in XX/XX/year> and immediately took action by filing an FTC Identity Theft Report ( Report # XXXX ). 

Following my discovery : I disputed the fraudulent accounts and inquiries with Equifax, Experian, and TransUnion under Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to block fraudulent information within four ( 4 ) business days after receiving an identity theft report.

Equifax initially removed some fraudulent items but later reinserted them without notifying me, which violates FCRA Section 611 ( a ) ( 5 ) ( B ), requiring consumer notification when a deleted item is reinserted.

Experian and TransUnion failed to properly investigate my disputes, leaving fraudulent accounts and inquiries on my credit report despite clear evidence of identity theft. 
These inaccuracies are damaging my credit score and affecting my ability to secure financial services. 

Fraudulent Accounts & Inquiries The accounts and inquiries in question include : Fraudulent Credit Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and others. 
Fraudulent Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Enforcement History Equifax has violated FCRA Section 605B and 611 ( a ) ( 5 ) ( B ) by : 1. Failing to permanently remove fraudulent items, despite my FTC Identity Theft Report and formal disputes. 
2. Reinserting fraudulent accounts without notifying me, a direct violation of the FCRA.

3. Ignoring legally required deadlines, delaying my dispute resolution beyond the mandated four-day period. 

Additionally, the CFPB has previously fined Equifax {$15.00} XXXX for mishandling consumer disputes and failing to remove incorrect information. My experience aligns with these past enforcement actions, demonstrating a pattern of non-compliance and consumer harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I signed a lease agreement with Acima representative at the XXXXXXXX XXXX XXXX XXXXXXXX store in XXXX XXXXXXXX, XXXX XXXX. I paid the initial fee of {$53.00}, the transaction went online from my credit card ending with XXXX. I was given my copy of the lease agreement. The lease agreement was for the purchase/lease of the sofa that should have been delivered after my confirmation of the date of the delivery. 
The next day ( after reviewing carefully the numerous bad reviews of other customers who had purchased sofas/coaches at the XXXX 's XXXX ), I called the XXXX 's XXXX and asked to cancel my order # XXXX. As a result, I was emailed the updated invoice showing that my balance was {$0.00}. I also did not confirm the delivery date, since I had canceled the order. 
Right after I received the confirmation from XXXX XXXX  XXXX regarding my total balance was {$0.00}, I called Acima and informed them I had canceled the order, so no leasing was occured. A representative of Acima asked me to wait for them to call XXXX 's XXXX directly and to confirm about what I was saying. After, as Acima 's representative said they had confirmed that, they assured me that I would receive my initial fee of {$53.00} back within 5-10 business days.

However, as of now, I have not received the refund, so it has been almost a month!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NJ

Complaint narrative:
I am a victim of the Equifax data breach. As a result of this breach, my personal information has been compromised, and fraudulent accounts or activity have been placed on my credit file.

Under the provisions of 15 USC 1681c-2 ( a ), I am requesting the immediate removal of all fraudulent items that have been reported on my credit file as a result of this breach. I understand that this section of the Fair Credit Reporting Act ( FCRA ) gives me the right to block any information that has been reported as a result of identity theft.

I am requesting that all fraudulent accounts, inquiries, and any other related activity be removed from my credit report and that any associated debts or negative impacts be rectified immediately. Please confirm the removal of these items in writing and provide an updated credit report reflecting these changes. 

Should you require further information or documentation to process this request, I am available to provide it. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I reviewed my XXXX XXXX and noticed that there was an inaccurate account on my credit report. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

They are illegally reporting.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2025-02-05 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: CBC Companies, Inc.
State: NV

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to seek your assistance in resolving a dispute I have with Capital One regarding the closure of two of my credit card accounts. The closure occurred following a returned payment on one of my cards, despite me promptly paying the full balance the next day from a different account. Upon the closure of these accounts, I immediately contacted Capital One to redeem my accumulated rewards points and travel credit. 

1. The card ending in XXXX had approximately XXXX points. 
2. the card ending in XXXX had about XXXX points. 
Additionally, I had a travel credit of approximately {$740.00}. 

However, Capital One refused to allow me to redeem these rewards, a practice I believe violates New York law. 

After weeks of attempting to resolve the issue and informing Capital One of my intent to pursue legal action for their noncompliance with New York law, I was offered {$1700.00} in cashback. However, this amount represents only half the value of my accumulated points ( which should have been {$3500.00} ) and does not reflect the proper form of redemption. Furthermore, this action violates New York law, which mandates that rewards be redeemable in the same manner as before account closure, for up to 90 days. ( For Example : transferring to travel partners, transferring to another members account... ) I am requesting the CFPBs assistance in recovering the remaining value of my points ( {$1700.00} ) as well as my {$740.00} in travel credit. These rewards represent years of work to gain these rewards, and I believe Capital One 's actions are unlawful. 

For your reference, I have included the relevant portion of New York law ( SECTION 520-E ) : " If any credit card account or rewards program is modified, cancelled, closed, or terminated, the holder must be provided notice from the issuer of such cancellation, closure, termination or modification as soon as possible, and in any event within forty-five days of such cancellation, closure, termination or modification. Beginning with the date on which notice is sent, the holder shall have ninety days to redeem, exchange, or otherwise use any credit card points that the holder accumulated at the time of such modification, cancellation, closure, or termination as permitted under the terms of the agreement or agreements between the holder and the issuer which is servicing the applicable credit card account or related rewards program, subject to the availability of rewards. '' Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Thanks!!! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-05 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate information being reported : Past due balances showing on accounts that have been charged off or are in collections. How can there be a past due balance on something that the company wrote off and got a tax credit for? How can a collection have a past due balance when its been sold three times and the collection agency listed is incorrect?

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where a transaction settled with insufficient balances despite initially having adequate funds, I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( 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 2025-02-05 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: WA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  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 response to consumer: Closed with non-monetary relief