vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: TN

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 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 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 2025-01-26 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX & XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX & XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I have disputed a negative account on my report to XXXXXXXX XXXX and trans union all three saying they investigated and have no proof to show. Just saying the information is accurate but now saying how the 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 non-monetary relief
Consumer complaint received 2025-01-26 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 have disputed a negative account on my report to equifax experian and XXXX XXXX all three saying they investigated and have no proof to show. Just saying the information is accurate but now saying how the investigated.

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: 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/scrub>XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Review of Experian 's Practices Dear Consumer Financial Protection Bureau , I am writing to formally raise my concerns regarding what I believe to be unethical practices by Experian, one of the major credit reporting agencies. I have been a consumer affected by these practices. 

On XXXX  I paid my credit card balance in full, as reflected in my statement from XXXX, which indicated that I had until XX/XX/XXXX to make the payment. Despite this, I noticed that my XXXX XXXX was adversely affected, with a deduction of XXXX points reported by Experian shortly after I fulfilled my payment obligation. 

This situation has caused me significant distress and financial implications, as it appears that my responsible credit behavior has been misrepresented. I believe that such practices undermine the integrity of credit reporting and can lead to unjust penalties for consumers like myself. 

I urge the CFPB to investigate these practices by Experian to ensure that consumers are treated fairly and that their credit reports accurately reflect their creditworthiness. I am concerned that similar situations may affect other consumers who are trying to manage their credit responsibly. 

Please feel free to contact me at [ your phone number ] or [ your email address ] for any further information or clarification regarding my case. I appreciate your attention to this matter and look forward to your response. 

Thank you for your consideration. 

Sincerely, CFBP HERE IS THE PHONE NUMBER TO XXXX XXXX EXPERIAN STILL HAS NOT MODIFIED OR CORRECTED MY 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 status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has repeated fail to c re-investigate disputed information on my XXXX Credit Report for inaccuracies, unverifiable and incompleteness. XXXX XXXX, XXXX XXXX, Collections, Inaccurate personal information are among errors on my consumer report continually being reported.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute XXXX failure to properly investigate inaccuracies on my credit report and to report my concerns to the Consumer Financial Protection Bureau ( CFPB ). This matter has caused significant financial harm and unnecessary stress, and I believe Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). 

In XXXX XXXX XXXX, I submitted a dispute to Equifax concerning inaccurate or unverifiable information on my credit report. Instead of conducting a thorough investigation and resolving the errors as required by law, Equifax either failed to investigate properly or dismissed my concerns without justification. As a result, the inaccuracies remain on my credit report, continuing to affect my financial standing and opportunities. 

I want to make it clear that I will continue to dispute the inaccurate information on my credit report until it is properly addressed. I expect my concerns to be taken seriously and not ignored. Equifax has a legal obligation to ensure accurate reporting and to perform proper investigations when disputes are submitted. Ignoring my concerns or failing to provide a comprehensive resolution is a violation of my rights under the Fair Credit Reporting Act. 

I am requesting the following actions : 1. A detailed and timely reinvestigation of the inaccurate information I previously disputed, including verification of the sources used to validate the data.

2. Immediate correction or removal of any information that can not be verified.

3. A written response detailing the steps taken to address my concerns and how Equifax plans to prevent similar failures in the future.

Additionally, I am asking the CFPB to intervene to ensure that Equifax complies with its legal obligations and addresses consumer disputes properly.

Enclosed, I have included copies of my original dispute letter ( s ), relevant documentation, and evidence to support my claims. If additional information is required, please contact me at the information provided above. 

Thank you for your time and attention to this matter. I trust that the CFPB will take appropriate action to protect consumers from XXXX continued negligence.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute XXXX failure to properly investigate inaccuracies on my credit report and to report my concerns to the Consumer Financial Protection Bureau ( CFPB ). This matter has caused significant financial harm and unnecessary stress, and I believe Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). 

In XXXX XXXX XXXX I submitted a dispute to Equifax concerning inaccurate or unverifiable information on my credit report. Instead of conducting a thorough investigation and resolving the errors as required by law, Equifax either failed to investigate properly or dismissed my concerns without justification. As a result, the inaccuracies remain on my credit report, continuing to affect my financial standing and opportunities. 

I want to make it clear that I will continue to dispute the inaccurate information on my credit report until it is properly addressed. I expect my concerns to be taken seriously and not ignored. Equifax has a legal obligation to ensure accurate reporting and to perform proper investigations when disputes are submitted. Ignoring my concerns or failing to provide a comprehensive resolution is a violation of my rights under the Fair Credit Reporting Act. 

I am requesting the following actions : 1. A detailed and timely reinvestigation of the inaccurate information I previously disputed, including verification of the sources used to validate the data.

2. Immediate correction or removal of any information that can not be verified.

3. A written response detailing the steps taken to address my concerns and how Equifax plans to prevent similar failures in the future.

Additionally, I am asking the CFPB to intervene to ensure that Equifax complies with its legal obligations and addresses consumer disputes properly.

Enclosed, I have included copies of my original dispute letter ( s ), relevant documentation, and evidence to support my claims. If additional information is required, please contact me at the information provided above. 

Thank you for your time and attention to this matter. I trust that the CFPB will take appropriate action to protect consumers from XXXX continued negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was scammed through bitcoin for {$150.00} I notified immediately cash app and my bank. I was purchasing a ebook with login credentials. The individual blocked me right after sending. A ftc report was filed XXXX XXXX XXXX

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: 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:
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 ( 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. These are the accounts I have marked as inaccurate, XXXX XXXXXXXX Under dispute Date opened Balance XXXX XX/XX/XXXX {$510.00} Status Account charged off. {$510.00} written off. 
{$510.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$2100.00} XXXX XXXX account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XXXX XX/XX/XXXX {$1100.00} XXXX XXXX account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX {$460.00} XXXX XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect reporting or update of credit report of items that are incorrect.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report.Ihave requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this account is acyually my responsability.

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am a identity theft victim my name, social, email and phone has been somehow made available to fraudulent companies and some may be real I keep receiving repeated annoying calls at all hours even late night I explained to a few of them that I don't owe debt they are claiming and to please stop calling they call from multiple different numbers even send text messages impersonating other people may threats and leaving messages with fake names as a result my credit is ruined because someone keeps somehow getting loans I know nothing about and then the debt collector calls me I really need someone to help me

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

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Can not manage security freeze when I log in and go to manage it always comes with an error

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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: IL

Complaint narrative:
My name and information has been in XXXX, XXXX data breach my information has been shared in over XXXX XXXX XXXX I recently pulled my credit report and noticed inaccurate information, there are several medical bills associated with credit report that I have no knowledge of

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief