vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: AL

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

Company 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 2025-01-23 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: SC

Complaint narrative:
XXXX, XXXX, and trans Union are Putting Wrong Information On Credit Reports And Refusing To Change it Once I Disputed the fraud I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft. 

My account is not being properly investigated Please delete the negative accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there. FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) As you know it is against the law to report any information not proven accurate. 809. Validation of debts_ [ 15 USC 1692g1 Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report immediately

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 2025-01-23 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: SC

Complaint narrative:
Equifax, XXXX, and XXXX XXXX are Putting Wrong Information On Credit Reports And Refusing To Change it Once I Disputed the fraud I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft. 

My account is not being properly investigated Please delete the negative accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there. FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) As you know it is against the law to report any information not proven accurate. 809. Validation of debts_ [ 15 USC 1692g1 Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 XXXX for failing to properly investigate mu disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, 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. 2025-CFPB-0002 ) 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. These are the accounts that I have marked as inaccurate XXXX XXXX and XXXXXXXX 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 2025-01-23 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: NM

Complaint narrative:
XXXX has failed to properly investigate disputes pursuant to 15USC 1681i. Initial CFPB complaint # XXXX. XXXX has been sued by CFPB for these complaints. 
XXXX neglect of its investigation duties has caused me unnecessary financial and emotional hardship. Remove these Unverified fraudulent accounts from my credit report immediately. 


XXXX failed to conduct proper investigations and verify accounts pursuant to FCRA, 15 USC 168i Initial CFPB complaint # XXXX. XXXX has been sued by CFPB for these complaints. 
Experians negligence into conducting proper investigations has caused me significant harm, these inaccuracies are negatively impacting my credit profile and financial well-being. 
XXXX has failed to notify me of the methods used to verify the disputed accounts. 
XXXX has not provided any proof from the furnishers of the disputed information to confirm its accuracy within the scope of the FCRA My disputes have ben dismissed without proper reinvestigation as required by law. 

I request that the CFPB intervene to ensure XXXX complies with its legal obligations under the FCRA Experians neglect of its investigation duties has caused me unnecessary financial and emotional hardship. 
I request that XXXX remove all previously disputed unverified accounts immediately.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I'm tired of going back & forth with this company & the business who keeps reporting inaccurate information. There's laws in place that requires these people to handle disputes in a timely fashion & it's been over XXXX months & they've still not done the job or did it properly. I have now paid the account in FULL & they're still adding charges! I would like my balance updated to PAID IN FULL & DELETED FROM MY CREDIT PROFILE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-23 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: IA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MD

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 non-monetary relief
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
Reporting of inaccurate information and refusing to remove once disputed all hard inquiries were not made my me all late payments are false child support is being reports and debt is paid already

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against the XXXX, XXXX, and Transunion for their repeated failure to provide accurate and fair reporting of my credit information, in violation of the Fair Credit Reporting Act ( FCRA ).

Despite my repeated efforts to address these errors, the credit bureaus have continued to report inaccurate, outdated, and misleading information on my credit report. Specifically : 1. Upon attempting to access their website, my credit report displays a blank entry. Additionally, third-party credit report sites indicate inquiries regarding disputed fraud. Furthermore, I have requested the removal of addresses and phone numbers that are not associated with me, yet they persist appearing on third-party sites. Notably, student discharges are still reflected on these sites.

2. I have contacted their customer service by phone multiple times. I fax and mailed information they said was required.

3. I been getting denied for credit cards and loans I need to start my business and improve my life.

It is apparent that the credit bureaus are failing to fulfill their legal obligations under the FCRA to investigate disputes thoroughly and correct inaccuracies in a timely manner. This neglect has severely impacted my financial standing and reputation.

I demand immediate action to resolve this matter, including : 1. A complete investigation of the disputed information with all relevant creditors or furnishers.

2. The removal of inaccurate information from my credit report.

3. Confirmation of the corrective actions taken, along with an updated copy of my credit report.

4. My credit report shouldn't be Blank when lenders run my credit and shouldn't show blank when I'm accessing their website. My credit report be updated to the most accurate scores If this issue is not resolved promptly, I will explore all available legal remedies, including but not limited to filing a formal complaint with the Federal Trade Commission ( FTC ), seeking legal counsel, and pursuing damages.

I expect a written acknowledgment of this complaint within the timeframe mandated by law and immediate action to resolve the inaccuracies.

Attached, you will find supporting documentation, including copies of prior dispute correspondence, proof of identity, and evidence demonstrating the errors in my report.

Failure to resolve this issue in a timely and satisfactory manner will leave me with no choice but to escalate this matter further.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against the XXXX, Equifax, and XXXX for their repeated failure to provide accurate and fair reporting of my credit information, in violation of the Fair Credit Reporting Act ( FCRA ).

Despite my repeated efforts to address these errors, the credit bureaus have continued to report inaccurate, outdated, and misleading information on my credit report. Specifically : 1. Upon attempting to access their website, my credit report displays a blank entry. Additionally, third-party credit report sites indicate inquiries regarding disputed fraud. Furthermore, I have requested the removal of addresses and phone numbers that are not associated with me, yet they persist appearing on third-party sites. Notably, student discharges are still reflected on these sites. 
XXXX. I have contacted their customer service by phone multiple times. I fax and mailed information they said was required. 
XXXX. I been getting denied for credit cards and loans I need to start my business and improve my life. 

It is apparent that the credit bureaus are failing to fulfill their legal obligations under the FCRA to investigate disputes thoroughly and correct inaccuracies in a timely manner. This neglect has severely impacted my financial standing and reputation. 

I demand immediate action to resolve this matter, including : 1. A complete investigation of the disputed information with all relevant creditors or furnishers.

2. The removal of inaccurate information from my credit report.

3. Confirmation of the corrective actions taken, along with an updated copy of my credit report.

4. My credit report shouldn't be Blank when lenders run my credit and shouldn't show blank when I'm accessing their website. My credit report be updated to the most accurate scores If this issue is not resolved promptly, I will explore all available legal remedies, including but not limited to filing a formal complaint with the Federal Trade Commission ( FTC ), seeking legal counsel, and pursuing damages.

I expect a written acknowledgment of this complaint within the timeframe mandated by law and immediate action to resolve the inaccuracies.

Attached, you will find supporting documentation, including copies of prior dispute correspondence, proof of identity, and evidence demonstrating the errors in my report.

Failure to resolve this issue in a timely and satisfactory manner will leave me with no choice but to escalate this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: AL

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

Company 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 2025-01-23 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: TX

Complaint narrative:
XXXX, credit reporting and experience reporting agents and XXXX reporting agents.They are doing a scamming investigation on reports hard Inquiries Provide my personal information out to other companies, XXXX, XXXX. , Experian They are violating federal laws with credit reporting that do not. Do their investigation on reporting like identity, XXXX and fraud? I asked him to dispute everything on my credit report. Calls, it was all fraud. Information did not have no knowledge about these 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 2025-01-23 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: MD

Complaint narrative:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a notice in the mail that my credit card account was closed by US Bank due to a belief that my account is in danger of or is being used for fraud. I had over XXXX points in my account when the account was closed - meaning that they have been rendered useless. This was sent to me on XX/XX/year>- and I just received it. I had received no other prior actions before this and I haven't conducted any fraudulent activity. I have been paying off my balance in full every single month, so I'm not sure what could be related to the closure of my 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 non-monetary relief
Consumer complaint received 2025-01-23 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:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

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 2025-01-23 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: GA

Complaint narrative:
Equifax is reporting inaccurate information on my consumer report and has failed to properly investigate errors. Please see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
On XX/XX/year>2025 received an email from XXXX XXXX on an alleged debt with Jefferson Capital Systems , LLC for an unknown debt with XXXX for {$320.00}, indicating I have until XX/XX/scrub>, 2025 to dispute all or part of this debt and if I do not they will ASSUME THAT OUR INFORMATION IS CORRECT. 

I request that the Debt Collector cease in false attempts on a debt not known or owned by me.

Company response to consumer: Closed with explanation