vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: AL

Complaint narrative:
These are the accounts I marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX 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
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: EQUIFAX, INC.
State: FL

Complaint narrative:
My rights enacted by the FCRA, FBCA and privacy act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As for 15 USC 6802 B and C. I was never provided the knowledge of the opportunity to opt out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violating my rights for 15 USC 1666 B. Both the credit furniture and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim to the Federal Reserve Act section 29.

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: CA

Complaint narrative:
Im honestly tired of dealing with the constant inaccuracies on my report. These errors are more than just frustratingtheyre actively damaging my score and preventing me from accessing opportunities that Ive worked hard to earn. Its unfair and exhausting to keep fighting for basic fairness.

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 2025-01-25 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: NY

Complaint narrative:
This letter serves as a follow-up to my ongoing dispute regarding unverified negative items on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation regarding the accuracy of these negative items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
This letter serves as a follow-up to my ongoing dispute regarding unverified negative items on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation regarding the accuracy of these negative items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OK

Complaint narrative:
I WAS PART OF THE DATA BREACH FROM EQUIFAX AND DEMAND THESE BE REMOVED! I I SUMMITED A REPORT TO THE GOVERMENT FOR THESE ACTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
XX/XX/2023. {$1300.00} I tried to contact them, but they would not give me any information because I did not give them my Social Security number and verify the address that they had on file because again I am a victim of fraud

Company response to consumer: Untimely response
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: ID

Complaint narrative:
Hi I made multiples payments to wrong lender and was never able to receive my payments back through Zelle. 
Zelle was transferring money that wasnt supposed to be token out my account over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I was born on XX/XX/year>, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: SC

Complaint narrative:
I purchased a XXXX XXXX from Carvana XX/XX/XXXX for {$23000.00}. It was advertised as having the drivers assistance package ( XXXX  ). This option increased the cost of the purchase. Being new to XXXX cars, I did not know that the car didn't have it. I was under the impression that the parking sensors were part of the package. However, I was just informed that my car should have lane keep assist and XXXX spot monitoring if it had the XXXX package installed. After checking the VIN with XXXX, they have confirmed that the car does not have the advertised driver assistance package. I contacted Carvana on XX/XX/XXXX and they said that since it's outside of their complimentary warranty period there is nothing that they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 writing to formally dispute the inaccurate information listed on my credit report. I have reviewed my credit file and identified that I need proof that debt belongs to me and purchase agreement as well. I believe the information is inaccurate, and I demand that you investigate and correct this matter immediately, as required by the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, you are required to maintain accurate and complete information in my credit file. Specifically, Section 1681i of the FCRA mandates that when a consumer disputes information, the credit reporting agency must investigate the claim within 30 days and provide a resolution. The inaccurate information you are reporting has caused significant harm to my credit score and financial well-being, and I will not tolerate this error continuing on my report.

I am requesting that you : Investigate the inaccurate information in accordance with FCRA guidelines, Section 1681i ( a ) ( 1 ), and correct or remove the information from my credit report.

Provide proof of the investigation and any documentation you may have that supports the accuracy of the reported information.

Notify me in writing of the results of your investigation within the legally required 30-day period.

If this matter is not resolved promptly and accurately, I will not hesitate to pursue further legal actions, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.

You have a legal obligation under the FCRA to ensure the accuracy of the information you report, and your failure to comply with these requirements is unacceptable. I expect immediate action to be taken to correct the inaccurate information. 

Thank you for your prompt attention to this matter. I expect a written response within 30 days as mandated by the 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX, Experian, and XXXX XXXX credit scores are faulty. 
For one, If I am in good standing, they may raise my score like XXXX points, but for one minor oversight that I am able to rectify they drop my score more than XXXX points!! 

XXXX website is keeps giving me error when I request my free credit info and gets tricky to navigate certain areas. 
I have disputed a few questionable credits that are past its legal period All XXXX credit reporting sites only provide a limited content message about the debts in question. No actual document of validity, accounts associated with it, itemized interest, fees, payments, etc. 
When Ive disputed charges and debts, I get a short summary that the dispute in question is legit and follows the guidelines to collection practice and so forth without Actually providing documentation.

This is just one of many other complaints I have with the entire credit reporting sites and their supposed fair practices.

They are in line with these crooked debt collection agencies and representative attorneys that give you the run around and use statements that tricks you into a binding agreement that should never have been either because no legitimate proof was given or past the statue of limitations. 
All XXXX need to be thoroughly investigated.

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 2025-01-25 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: TX

Complaint narrative:
I am victim of the equifax data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: OneMain Finance Corporation
State: PA

Complaint narrative:
There are XXXX hard credit hits on my report. One is from XXXX XXXX ( XXXX ) XX/XX/XXXX. Another is ONEMAIN ( XXXX ) XX/XX/XXXX. 

I reported these as fraudulent and they said they could not do anything about it. After getting more information from both of the companies, they informed me that my estranged wife attempted to use my credit to gain loans through these companies. She did the XXXX XXXX via online and the ONEMAIN via XXXX XXXX online. 

I informed both that I did not authorize these credit checks and want them removed from my credit but they both told me that they can not do anything to help with that as I would have to report it to the agencies myself. 

I do not know how to go about having these removed. They have made it impossible for me to get loans as well as refinance my vehicle. I did not authorize my wife to use my credit and she did it after we split from each other. 

What can be done to help me with this issue. I don't even care if she has to be brought up on fraud charges. I don't deserve to have my credit screwed up because she is screwing up her life. Any help will be appreciated. 

I have attached a copy of my basic report on which you can see XXXX hard checks which includes the XXXX I mentioned that I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: PA

Complaint narrative:
To whom it may concern..

I have recently reviewed my credit report, In doing so, I found instances of a late payment on an account for which I have always made timely payments for.

Being so many things in life rely on good credit, I thoroughly believe the information within the credit report should be extremely accurate.

I havent ever missed a payment on any of my accounts, including my longest standing acct. Which is the XXXX XXXX XXXX account, acct # XXXX. 
Therefore Im requesting that a thorough investigation is submitted regarding these discrepancies. I urge you to provide evidence.

Such as statements demonstrating the lateness of the payments.if unable to provide such proof I demand these payments be promptly updated to reflect their true status as on time/ no late payments, being I have consistently upheld my payment obligations without delay.

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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Chime Financial Inc
State: MO

Complaint narrative:
Account is set to close XX/XX/year> chime stated that I needed to remove any remaining funds in the account. I currently have {$810.00} in my credit builder account with chime. All transactions are being declined and ATM withdrawals are also being declined. I asked the company to explain why this was happening they stated that my account was being closed due to non compliance of there policy and could not go into any further details as to why it was being closed and also stated I would not be getting my remaining {$810.00} that is left in the account. That the account was not eligible for a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 proce 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 2025-01-25 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: TX

Complaint narrative:
IM NOT 100 % SURE, BUT I BELIEVE A FAMILY MEMBER GOT A VEHICLE IN MY NAME AND OPEN UP A BANK ACCOUNT, IM NOT SURE OF THE SPECIFICS. I JUST KNOW I START RECIEVING CALLS AND THEY DIDNT STOP. BUT I UNTIL THIS DAY, I NEVER SEEN THE VEHICLE, DROVE THE VEHICLE, SIGN FOR THE VEHICLE OR ANYTHING. XXXX XXXX SO I DONT UNDERSTAND A LOT ABOUT CREDIT, BUT I BEEN LEARNING THRU XXXX. I WOULD LIKE FOR THESE FRAUDULENT ACCOUNTS TO BE REMOVE.

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 2025-01-25 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: TX

Complaint narrative:
IM NOT 100 % SURE, BUT I BELIEVE A FAMILY MEMBER GOT A VEHICLE IN MY NAME AND OPEN UP A BANK ACCOUNT, IM NOT SURE OF THE SPECIFICS. I JUST KNOW I START RECIEVING CALLS AND THEY DIDNT STOP. BUT I UNTIL THIS DAY, I NEVER SEEN THE VEHICLE, DROVE THE VEHICLE, SIGN FOR THE VEHICLE OR ANYTHING. XXXX XXXX SO I DONT UNDERSTAND A LOT ABOUT CREDIT, BUT I BEEN LEARNING THRU XXXX. I WOULD LIKE FOR THESE FRAUDULENT ACCOUNTS TO BE REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: MI

Complaint narrative:
XXXX 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 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 I want the CFPB to publish this XXXX 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 2025-01-25 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: NC

Complaint narrative:
I have tried calling to have 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 removed. I was recently notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I am requesting all of these Inquires be removed or corrected immediately as its affecting my chance of getting a house, car and more. Experian violates my rights as a consumer, as well as federal laws.

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 2025-01-25 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: TX

Complaint narrative:
I requested a dispute due to inaccurate reporting, did not receive any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
To Whom It May Concern, I am writing because I filed a dispute on inaccurate information on my credit report on the below address and accounts. Experian failed to follow up with the investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and consumer law. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above-mentioned address has never been mine and the credit report has incorrect amounts on accounts. 
I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). CFPB alleged the company accepted unreliable information and failed to notify consumers dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. and have violated federal laws. I'm requesting these derogatory remarks be immediately removed as it is affecting my chances of getting a car. 

Thank you

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