vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: CA

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 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 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
Had issue with pending money thru this account. Called a fake 800 number provided by them. {$270.00} on XX/XX/year>. 
{$95.00} on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: MD

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

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 2025-02-21 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :XX/XX/XXXX*** {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$36XXXX0.00} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/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 2025-02-21 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-02-21 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:
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 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 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hard inquiry by XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX were not authorized by me nor do I know about them, I would like for these to be removed

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 2025-02-21 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: GA

Complaint narrative:
Hard inquiry by XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX were not authorized by me nor do I know about them, I would like for these to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-21 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :XX/XX/XXXX*** {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$36XXXX0.00} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :XX/XX/XXXX*** {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$36XXXX0.00} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX} XXXX XXXX XXXX XXXX {$XX/XX/XXXX}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX  years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filling 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 2025-02-21 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: CA

Complaint narrative:
Im filling a complaint against Equifax for failing to properly investigate my disputes regarding the inaccuracies in my credit report. Despite submission, Equifax consistently responds within 24hrs stating the accounts are accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 1 ) XXXX XXXX opened XX/XX/scrub>/2023. 2 ) XXXX XXXX 3 ) mortgage services 4 ) Hard inquiries 5 ) XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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:
Im filling a complaint against Equifax for failing to properly investigate my disputes regarding the inaccuracies in my credit report. Despite submission, Equifax consistently responds within 24hrs stating the accounts are accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 1 ) XXXX XXXX opened XX/XX/scrub>/2023. 2 ) XXXX XXXX 3 ) mortgage services 4 ) Hard inquiries 5 ) XXXXXX/XX/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 2025-02-21 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:
I am reaching out to report multiple inaccuracies in my credit file, such as incorrect account listings, an unfamiliar collection, unauthorized inquiries, and billing errors. I kindly request your assistance in resolving these issues to protect my financial security.

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO Bank closed my account without valid reasoning and has refused to provide specific details.

Three specific employees were directly involved, and one ( XXXX XXXX XXXX contacted me from his personal cell phone to discuss my case in a non-official capacity. 

BMOs response to the OCC was vague and omitted key details, suggesting potential misconduct.

The banks actions have caused financial disruption, and I demand a full internal review and regulatory intervention.

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 2025-02-21 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: CA

Complaint narrative:
To whom this may concern, Hi, I am attaching a FTC report containing XXXX fraudulent accounts on my credit reports. I mailed these in also with cover letter containing the same information.

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 2025-02-21 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: TX

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. 

XXXX XXXX Account # : XXXX Account # : XXXX On Experian and Transunion, the the payment history shows on this account as follows : XXXX XXXX-Past Due 30 days ; XXXX XXXX Due 30 days ; XXXX XXXX Due 90 days. Whereas Equifax Credit Report, is not reporting this account at all. 

The consumer reporting agencies need to report all information with complete accuracy. This account are being reporting inconsistently across credit report which violates the Fair Credit Reporting Act. I've attached a copy of my report to this complaint. I am now requesting you to investigate this account and update these payments to paid on time on all credit reports immediately or remove the accounts entirely! 

Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

XXXX XXXX Account # : XXXX Account # : XXXX On Experian and Transunion, the the payment history shows on this account as follows : XXXX XXXX-Past Due 30 days ; XXXX XXXX Due 30 days ; XXXX XXXX Due 90 days. Whereas Equifax Credit Report, is not reporting this account at all. 

The consumer reporting agencies need to report all information with complete accuracy. This account are being reporting inconsistently across credit report which violates the Fair Credit Reporting Act. I've attached a copy of my report to this complaint. I am now requesting you to investigate this account and update these payments to paid on time on all credit reports immediately or remove the accounts entirely! 

Thank you for your understanding and prompt action.

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 2025-02-21 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: IL

Complaint narrative:
I am reaching out to express serious concerns regarding discrepancies in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, billing inconsistencies, and accounts that do not belong to me. These errors are affecting my financial stability, and I urgently need your assistance in resolving them.

Company response to consumer: Closed with non-monetary relief