vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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:
Experian was asked to check for proper procedure used in placing net credit placing late payment 's on credit when the first pay missed was marked 120-180 days late which is incorrect. Incorrect information on the credit report should be deleted from the report if incorrect according 15 usc 1679c. I was denied credit because of this and asked experian to look into this and the investigation came back verified when an complete investigation was never made.

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 2025-01-28 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: DE

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Subject : Formal Dispute Regarding Experians Willful Non-Compliance and Incorrect/Fraudulent Information Dear Experian, I am writing to formally dispute the inaccurate and fraudulent information appearing on my credit report, as provided by Experian. Despite my efforts to resolve these issues directly with your agency, Experian has failed to remove these fraudulent and incorrect entries in violation of several provisions under the Fair Credit Reporting Act ( FCRA ). 

The following accounts, inquiries, and/or information were reported incorrectly and/or fraudulently and are adversely impacting my XXXX XXXX : FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 604 ( 15 U.S. Code 1681b ), credit reporting agencies are prohibited from providing reports to third parties without my express authorization. It is my understanding that these inquiries and/or reports were made without my consent or proper authorization, thus violating this law.

Additionally, Section 605 ( 15 U.S. Code 1681c-1 ) mandates that fraudulent inquiries be removed from my credit report once proven. Several of the items listed above were made fraudulently and should have been promptly removed following my dispute of their validity. 

Furthermore, Section 605 ( 15 U.S. Code 1681c-2 ) requires that inquiries resulting from identity theft be deleted from my credit history. I am asserting that at least some of the inquiries listed are a result of identity theft and must therefore be removed immediately. 

I respectfully request that you intervene to ensure the immediate correction of these errors and that Experian fully complies with the FCRAs requirements. Furthermore, I will be seeking monetary relief as these discrepancies have resulted in significant harm to my credit score and financial well-being. The continued presence of fraudulent and inaccurate information on my credit report is negatively impacting my creditworthiness and causing undue hardship. 

Please acknowledge the receipt of this dispute and provide me with a detailed investigation into this matter. Thank you for your prompt attention to this urgent issue. 

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 2025-01-28 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: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
I received a message from family off XXXX, in need and ask to send them XXXX I cash app them the money to only find out, his page has been hacked by a " XXXX XXXX '' and it wasn't him.I then called Cash App and they said there was nothing they could do, to call my bank and try to stop the transaction. I called my bank, they deactivate my card that was used and said the pending transaction had to post first to do a dispute on the charge, and they would reach out to cash app once that had posted. I called the police, the came out, took photos of the conversation and found the person to be up north somewhere but told me they had a private investigator to handle such matters, gave a card to take to my bank.Cash App then text me back and cancel my request that I had sent to the scammer, saying for my protection.I have received my new card, the bank said the transaction did go through and they filed a disputeXXXX XXXX did nothing to help cancel this Fraud, they had plenty of time to hold this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: DE

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 & # 39 ; 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 non-monetary relief
Consumer complaint received 2025-01-28 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: RI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-28 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:
Equifax purposely keeping my credit score low. 

My credit score should at least be in the XXXX range, and they have me at XXXX. 
I pay my bills 100 percent on time.

In addition, there is one small medical bill that is supposed to be removed by the new law. 
( rule XXXX ) However, they still leave it there. 

My credit score is being held down intentionally and fraudulent reporting.l

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Venmo sent me a XXXX. It says for " payment of a car ''. I haven't bought or sold a car in more than 4 years ( almost XXXX ). I do not have a business. I do not receive money for goods or services. I only use XXXX  with my daughter and my boyfriend. I reported that the XXXX is incorrect on many levels. XXXX shut off my account. They send me emails regarding how to reactivate my account but they do not address the incorrect XXXX. They were unreachable by phone several times and when I finally did get through, I was on hold for an hour and then they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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.

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I am writing to formally express my concern and dissatisfaction with the recent investigation conducted by your bureau regarding a disputed late payment on my account with XXXX CARD, account number ending in XXXX on XX/XX/year> I submitted a request for investigation, clearly stating that I have never been late on any payments for this account. I provided you with the necessary details, including my expectation that your agency would conduct a thorough investigation and provide either proof of the alleged late payment or update the record to reflect that all payments were made on time. 
To my dismay, I was informed that your investigation concluded the late payment was " verified '' without any proof or supporting documentation provided to me. This response is both unsatisfactory and concerning, as it suggests a lack of due diligence in your investigation process. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and to conduct a reasonable investigation when a consumer disputes the information. The failure to provide proof of the late payment or to correct the error is a clear violation of these responsibilities. 
I demand that this matter be re-investigated with proper attention to detail, including : XXXX. Providing documented proof of the alleged late payment, such as account statements or communication from the creditor. 
XXXX. Correcting the inaccurate information on my credit report if proof can not be provided, reflecting that all payments were made on time. 
XXXX. Providing a detailed explanation of the investigation process that was followed and the specific steps taken to verify the information. 
Please consider this letter a formal complaint. I expect a response within 15 days, as stipulated under the FCRA. If the matter is not resolved to my satisfaction, I will have no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Thank you for your prompt attention to this matter. I look forward to your swift and accurate resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 & # 39 ; 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 non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.

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 2025-01-28 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: PA

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 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 2025-01-28 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: NC

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

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 2025-01-28 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: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filling a complaint against Cash App ( block , inc . ) due to inadequate customer service and under 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 2025-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: CO

Complaint narrative:
I went through bankruptcy with Sallie XXXX and yet the keep adding more money to the account and it has continued to negatively affect my credit after they told me it would be closed and was closed. It has been disputed and removed from my credit twice now and they have added it yet again for a third time years later. They acknowledged its a mistake on their end and yet they keep doing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I looked at my credit report and realized an account from XXXX was reporting incorrectly and I asked for a proper investigation into the matter from all parties involved but never received any proof account was opened by me or proof of proper investigation I also reached out to XXXX and they said there was no record of a debt owed and have no prejudice 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 2025-01-28 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: GA

Complaint narrative:
I looked at my credit report and realized an account from XXXX was reporting incorrectly and I asked for a proper investigation into the matter from all parties involved but never received any proof account was opened by me or proof of proper investigation I also reached out to XXXX and they said there was no record of a debt owed and have no prejudice in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I applied for PSLF when it was initiated and have had numerous conversations with both the loan servicer and federal student aid throughout the years. I have followed all the steps that have been given to complete my student loan debt as instructed. However, after my student loans were transferred to a new loan servicer AidVantage from XXXX, I have been given false information and incorrect instructions that has required several extra payments being made to fulfill this. I have disputed and complained regarding false information and requested transcripts of conversations however have yet to receive anything. This is now affecting my credit score as Aidvantage is reporting that payments are not being made as I was told not to make any further payments and apply for forbearance. I have requested my payment counts to be recalculated due to false information each time I call. When I call Aidvantage, I am told that Federal Student Aid is required to handle and when I call Federal Student Aid, I am told that Aidvantage is required to handle. I never had any issues when XXXX serviced my loans and according to my records from XXXX, my payment count exceeded 120 payments in XX/XX/year>. I would appreciate any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation