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: 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: OH

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 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-002 ) 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 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Kindly delete this unauthorized account from my credit file, as it is not related to me. I also request an investigation to resolve any other 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Kindly delete this unauthorized account from my credit file, as it is not related to me. I also request an investigation to resolve any other 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NM

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, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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

Complaint narrative:
XXXX  XXXX account opened XX/XX/XXXX. Was paid and offered delete for payment the account has not been removed by the credit bureaus. XXXX XXXX  opened XX/XX/XXXX. This belongs to an ex spouse. XXXX XXXX XXXX opened XXXX XX/XX/XXXX this account belongs to an ex spouse. XXXX XXXX XXXX accounts never opened accounts with them. These need to be removed. All of these accounts need to be removed from my credit file.

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 — Information belongs to someone else
Company: CBC Companies, Inc.
State: GA

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 XXXX XXXX XXXX XXXX XXXX  certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This address of XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX Does not belong to me.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
This car was involved in a car accident and the insurance company paid for everything and previously XXXX had this account and I had to file a complaint against them after my Bankruptcy was dismissed on : XX/XX/year> I just received notice that XXXX XXXX XXXX XXXX, is currently reporting debts of : XXXX XXXX XXXX ( XXXX equipment was returned ) prior to filing the Bankruptcy case XXXX 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 information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$140.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my repeated submissions, Experian consistently responds within 24 hours claiming that the account is accurate, without providing any evidence of a thorough or reasonable investigation. This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), which requires a reasonable reinvestigation of disputed information. Additionally, Experian actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as underscored in the CFPB 's recent administrative proceeding ( File No. XXXX ) addressing similar noncompliance issues. 

I respectfully request that the CFPB take appropriate action to ensure Experian complies with federal law and provides consumers with adequate evidence of their investigation process. The account in question is as follows : Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date OpenedXXXX Balance : {$650.00} Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX  Original Creditor : XXXX  XXXX XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$4200.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXXXXXX XXXX inaction violates federal law and my rights as a consumer

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my XXXX XXXX status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate and unresolved issue on my credit report with Experian. 

The issue pertains to loan accounts I had with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Both loans were fully paid off 3 years ago, and I have provided all necessary evidence of payment to Experian. However, the accounts are still marked as active and are negatively impacting my XXXX XXXX. 

Upon contacting Experian, they informed me that they are unable to update the report as they can not contact the loan providers due to their licenses being canceled by the XXXXXXXX XXXX XXXX XXXX ( XXXX ). This leaves me with no option to resolve the issue directly with the lenders. 

XXXX XXXX : XXXX. The loan accounts were settled and paid in full 3 years ago. 


XXXX. Both loan providers, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, had their licenses canceled by the XXXX, and the companies are no longer operational. 


XXXX. Experian has refused to resolve the issue, citing the inability to verify the information This unresolved issue is severely affecting my financial standing, as the incorrect information on my credit report has lowered my XXXX XXXX and caused issues with accessing new credit facilities.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
I have a charge off auto loan on my credit report. My original creditor was CNAC. I called CNAC to try and settle the debt. They said they no longer have it and was given to XXXX XXXX XXXX. The number I was given for them does not work. That number was ( XXXX ) XXXX. I looked up Recovery Remedies XXXX on the Better Business Bureau 's website and they list three numbers for them. Those numbers being one of them I just listed above and the other XXXX are ( XXXX ) XXXX and ( XXXX ) XXXX. None of these numbers work either. Also, when talking to my original creditor ( CNAC ), they gave me another number to call. That number was XXXX ( XXXX ) XXXX. I called this number and they are called XXXX. I was able to speak to someone there but they pull nothing up with my personal information regarding any type of account. I'm just confused to why this debt is still on my credit report if I can't find the new creditor who has it, its like it vanished but is still affecting my credit report. I want it removed, seemingly I can't settle it. The reported balance on this account is {$8200.00}. I got this number off of my XXXX, it also says last reported XX/XX/year>. Where are they getting this info from if I can't get ahold or find anything on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
I RECENTLY PAID OFF MY HOME LOAN BECAUSE THE COST OF PROPERTY INSURANCE WENT UP 400 PERCENT. I DID NOT WANT THE MORTGAGE COMPANY TO INCREASE MY PAYMENTS THAT MUCH SO I TOOK OUT A LOAN FOR MY VEHICLE AND PAID THE MORTGAGE OFF EARLY.

SINCE I HAD AN ESCROW ACCOUNT TO PAY MY PROPERTY INSURANCE I REQUESTED A REFUND SENT TO ME WHEN I PAID OFF THE LOAN. AND WHEN I SPOKE TO SOMEONE THAT INFORMED ME THAT THE MORTGAGE COMPANY HAD TWENTY DAYS TO REFUND THE MONEY TO ME. YESTERDAY I FINALLY GOT THE CHECK IN THE MAIL. THE LOAD WAS PAID IN FULL ON XX/XX/XXXX, YESTERDAY WAS XX/XX/XXXX. AS YOU CAN SEE THE COMPANY IS NOT FOLLOWING THE TWENTY-DAY RULE BY ANY STRETCH OF IMIGNATION. 

HOWEVER, THE PAYMENT BY MY LOAN COMPANY HAS CAUSED ME A LOT OF FINANCIAL PROBLEMS SINCE THE INSURANCE HAS GONE UP SO MUCH EVEN FOR NO CLAIMS. 

HOW CAN SOMEONE ADVISE THE LOAN COMPANY THEY HAVE RULES TO FOLLOW AND A TIME LIMIT TO HAVE PAYMENT IN THE HANDS OF CUSTOMERS, TRYING TO USE OTHER PEOPLE 'S MONEY TO EARN INTEREST IS A SIGN OF GREED IF YOU ASK ME.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, specifically in light of the recent CFPB lawsuit highlighting tremendous issues with the Zelle platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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: EQUIFAX, INC.
State: IL

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 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the fair credit reporting act ( fcra ), 15 u.s.c. 1681i, which mandates a reasonable invof disputes. Furthermore, equifax 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 tale action to ensure equifax complies with federal law and provides consumers with the necessary proof of investigation.

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: Improper use of your report — Reporting company used your report improperly
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Hi I saw on your website that I may be entitled to compensation if I paid Lexington Law for their credit repair services around XXXX and I did. Please let me know what information you need for me to continue filing this claim for legal compensation.

Company response to consumer: Closed with explanation