vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: IL

Complaint narrative:
Checked my scores which made the scores drop, paying off my credit cards also making my scores drop, having my information and scores be sent illegally to other companies without my consent.

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 2025-01-26 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report from Experian and identified discrepancies in the following account, which I believe to be inaccurate. These errors are adversely impacting my ability to secure credit, and I respectfully request an investigation into this matter per my rights under the Fair Credit Reporting Act ( FCRA ). 
Account in Question : * Creditor Name : XXXX XXXX XXXX XXXX  * Account Number : XXXX Upon review, I noticed the following inaccuracies : repeated charge off status repeatedly reporting C/O every month reaging the account is illegal. We can not say this account is of 100 % accurate so it is deemed inaccurate. Please delete this account from my 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was exposed thru a data breach and my privacy was invaded and exposed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: ID

Complaint narrative:
It says i opened the account XX/XX/XXXXXXXX  i certainly did NOT. I sent this letter out as well and asked the company to verify and show my signature and they could not. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ID. XXXX XXXX, XXXX, XXXX Experian Information Solutions , Inc . 

Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 



I am disputing the following account : Creditor Name : XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Balance : {$6200.00} Date Opened : XX/XX/XXXX Account Status : Closed Remarks : Placed for collection This information is inaccurate and/or unverifiable. I request that Experian : 1. Conduct a thorough reinvestigation of the listed account.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 



Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 



If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 



Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 



Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of information on my credit report by XXXX and Experian. Despite my best efforts to resolve these issues directly with the credit reporting agencies, the inaccuracies persist, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information in question is as follows : [ List the accounts or items you are disputing. Include account numbers, dates, and details. ] I initially disputed these items directly with both XXXX and Experian. However, after submitting my disputes, the information was not corrected, and the errors continue to negatively affect my credit score and overall financial situation. I believe the credit bureaus failed to conduct a thorough or reasonable investigation into my claims, which is a violation of their obligations under the FCRA. 

Key Issues : 1.Failure to Correct Inaccurate Information : Under Section 1681i ( a ) ( 1 ) of the FCRA, I have the right to request an investigation into inaccurate information, and the credit reporting agencies are required to complete the investigation within 30 days. Despite this, the errors have not been rectified. 
2.Failure to Ensure Accuracy : According to Section 1681e ( b ) of the FCRA, credit reporting agencies are responsible for maintaining accurate information. The continued presence of these errors suggests non-compliance with this obligation.

3.Recent Legal Precedents : I am aware of recent lawsuits that involve both XXXX and Experian, where they were found to have violated consumer rights by failing to handle disputes properly. These legal outcomes underscore the need for credit agencies to adhere to the FCRA and ensure the accuracy of all information they report. 

Despite my direct disputes with these agencies, no action has been taken to correct the errors, and I am left with an inaccurate credit report that is adversely affecting my financial standing.

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Subject : Formal Consumer Dispute Regarding CREDITORS BUREAU ASSOCIATES. 

To Whom It May Concern, I am writing to formally dispute the reporting of an auto loan account by CREDITORS BUREAU ASSOCIATES. on my consumer credit report. This dispute is based on violations of my rights under the following federal laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has not provided the required validation information for the alleged debt. Despite this failure, they have furnished and continue to report this account to consumer reporting agencies. This is a clear violation of the law. 
2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been given an opportunity to dispute this account. The agencys failure to provide proper notice has deprived me of my right to dispute the validity of the alleged debt before it was reported. 
3. False, Misleading, or Deceptive Practices : The agency has engaged in practices that are false, misleading, and deceptive in their handling and reporting of this account. Such behavior violates the Fair Debt Collection Practices Act ( FDCPA ). 
4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) : The agency has no authority to report this account to any consumer reporting agency without first providing all disclosures required by law. By furnishing information without complying with these requirements, they are in direct violation of these regulations. 

Request for Immediate Action I am requesting the following actions to resolve this matter : 1. Immediate Deletion of this debt collection : Remove this account from my credit report as it was reported unlawfully.

2. Proof of Validation : If the agency believes the debt is valid, provide all validation information required under federal law.

3. Cessation of Reporting : Immediately stop reporting this account to consumer reporting agencies until all legal requirements have been fulfilled. 

Timeline and Legal Remedy Please resolve this dispute within 14-21 days of receiving this letter. Failure to comply with these demands may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I reserve the right to seek statutory damages of {$1000.00} for these violations as provided under the FDCPA. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of the resolution. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following reinserted fraudulent account and inaccurate late payments from my credit report due to identity theft and inaccuracy. 

XXXX XXXX  : 15 U.S. Code 1681I ( a ) ( 5 ) B Reinsertion XXXX XXXX : 15 U.S.Code 1666b LATE XXXX XXXX, XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-01-26 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: IN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS 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

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 2025-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: CA

Complaint narrative:
Hello, I am XXXX XXXX and I have been paying my second loan starting on XX/XX/24 to XXXX. Each time I made a payment, it would say payment reversal. On the XXXX of XXXX, I called my bank to approve a large payment of {$4400.00} and that also got reversed. I know it is not a bank issue, because when i called them, they said I had 24 hours to make that large payment ( which I did make ). It is upsetting because my interest is increasing and it also make me appear irresponsible, it is out of character for me to have late payments. I loaded up some screenshots down below, I hope they appear and I hope that you are able to assist me and possibly reach out to ed financial. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/year>XXXX  ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information includes the following accounts, collections, and inquiries appearing on my consumer credit report, which I do not recognize or have knowledge of : XXXX XXXX XXXXXXXX Account Number : XXXX Total Fraudulent Amount : {$24000.00} XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$7300.00} XXXX XXXX ( Two Accounts ) : Account Number 1 : XXXX Total Fraudulent Amount : {$53000.00} Account Number 2 : XXXX Total Fraudulent Amount : {$11000.00} XXXX XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$7500.00} XXXX XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$6700.00} XXXX Account Number : XXXX Total Fraudulent Amount : {$5000.00} XXXX XXXX Account Number : XXXX Total Fraudulent Amount : {$5800.00} Additionally, this fraudulent information has resulted in several hard inquiries and collections appearing on my consumer credit report maintained by you, including but not limited to inquiries related to the fraudulent accounts above. 

I have attached a list of the hard inquiries in question, as well as a copy of the consumer credit report maintained by you showing the fraudulent items. 

Furthermore, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, my phone went missing in XXXX XXXX XXXXXXXX. It is unclear whether it was stolen or misplaced. Subsequently, on XX/XX/year>, my XXXX account was charged over {$2000.00}. This amount is highly inconsistent with my usual spending patterns, as my account history shows that I typically spend between {$5.00} and {$10.00}, and I have never exceeded {$20.00} per transaction on XXXX. 

I reported the unauthorized charges to Chase Bank, explaining the discrepancy and requesting a refund. However, my claim was denied, with Chase requesting additional supporting documentation. In response, I submitted both a receipt for the replacement phone I purchased on XX/XX/year>, and a police report filed documenting the loss of my phone. 

I believe this documentation, combined with my consistent spending history, demonstrates that the charges in question were unauthorized and not made by me. I respectfully request that my case be reevaluated in light of this evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly 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 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. XXXX ) 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
Experian has failed to fulfill its illegal 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. 
XXXX XXXX : 15 U.S. Code 1681I ( a ) ( 5 ) B Reinsertion XXXX XXXX : 15 U.S.Code 1666b LATE XXXX  XXXX, XXXX, XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation