vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: GA

Complaint narrative:
My account was closed the check you send to me was not able to be cash by my bank because they said invalid routing number And I dont want them to send me their invalid checks anymore and put my money via ach to my XXXX XXXX  My name is XXXX XXXX with the phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
I am writing to explain that I am a victim of identity theft, which has resulted in fraudulent entries on my credit report. I did not authorize any of the activity listed, and I discovered these inaccuracies when reviewing my credit file on XX/XX/scrub> 2025. The company named XXXX XXXX and few other collections and inquiries that were not made or authorized by me. I have reported the matter to FTC and obtained an Identity Theft Report to verify my claim. I respectfully request that the fraudulent accounts be removed and my credit file updated accordingly. I have supporting documentation and appreciate your prompt attention to this matter. And remove these items off my credit profile that is hindering me! 

Right to Dispute Inaccuracies ( 1681i ) If a consumer finds incorrect information on their credit report, they can dispute it. Credit bureaus must investigate and correct errors within 30 days. 

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
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
I am writing to explain that I am a victim of identity theft, which has resulted in fraudulent entries on my credit report. I did not authorize any of the activity listed, and I discovered these inaccuracies when reviewing my credit file on XX/XX/scrub> 2025. The company named XXXX XXXX and few other collections and inquiries that were not made or authorized by me. I have reported the matter to FTC and obtained an Identity Theft Report to verify my claim. I respectfully request that the fraudulent accounts be removed and my credit file updated accordingly. I have supporting documentation and appreciate your prompt attention to this matter. And remove these items off my credit profile that is hindering me! 

Right to Dispute Inaccuracies ( 1681i ) If a consumer finds incorrect information on their credit report, they can dispute it. Credit bureaus must investigate and correct errors within 30 days. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: CA

Complaint narrative:
I have attached a FTC report containing 5 fraudulent accounts with this report as well as these 3 fraudulent inquiries ( XXXX XXXX  ) ( XXXX XXXX XXXX ) ( XXXX  XXXX ) all listed on my TransUnion report.

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 2025-02-09 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: CA

Complaint narrative:
I have attached a FTC report containing 5 fraudulent accounts with this report as well as these 3 fraudulent inquiries ( XXXX XXXX  ) ( XXXX XXXX XXXX ) ( XXXX  XXXX ) all listed on my TransUnion report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : CFPB enforcement action filed XX/XX/XXXX against Equifax for failing to conduct adequate investigations of disputed and reinserted information in credit reports due to Identity theft. 

Due to the recent CFPB enforcement action filed against EQUIFAX on XX/XX/XXXX. I insist you conduct an investigation as you are required By the FCRA Law I will explicitly say do not accept the findings of the furnishers Who do not provide thorough results of their investigation, I am requesting that you provide to me in exact detail via XXXX mail and Not through your online portal. 
I am the victim of the XXXX EQUIFAX data breach, which compromised my personal information, This CFPB complaint has Been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) that you, the EQUIFAX Credit reporting agency , block information appearing on my consumer credit report within 4 business days of you receiving this complaint. This inaccurate unauthorized fraudulent account XXXX was previously disputed, blocked & deleted, then reinserted and is the Result of fraud and identity theft.

1. ) Identity Theft. 
XXXX Account Number : no account # was reported. 
Please perminately block, remove this inaccurate acct from my credit report. 
Failure to respond satisfactorily will result in legal action against your Agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Case number XXXX I recently filed a complaint here about TD bank handling a dispute in my checking account. I received a call and the rep told me they will look into the dispute. After several weeks, my CFPB complaint was closed stating that I did not submit documents that they requested ; which there was an image that I uploaded with the complaint showing that I fax the information over to TD representative on XX/XX/XXXX. The image will be attached along with a letter I received dated XX/XX/XXXX. I then receive a letter dated XXXX XXXX stating that {$5700.00} credit from my disputed amount was made final and credited to my TD account. To date XX/XX/XXXX, NO SUCH FUNDS WAS CREDITED. I called several time and was told they will look into the situation and its been 30 days with no response. I don't know what is going on but I'm starting to lose trust in TD staffs and would like for you to take a look at this situation. why lie and say I did not submit documents when I faxed them over. Why lie and say credit was made final when no credit was given? I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: FL

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. 


Account Name : XXXX XXXX - XXXX Account Name : XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Casp App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Connsumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 RegulationE. 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 2025-02-09 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:
I have asked Experian, XXXX and XXXX to remove a collection from XXXX XXXX as XXXX did not respond to my request o verify the purchase of the debt. 

This is what was sent to XXXX by certified mail. they did not respond " Hello, Please provide a signed copy of the purchase agreement between you and XXXX XXXX  showing the amount you paid for the debt, all terms and conditions and the statement from XXXX guaranteeing the accuracy of any documents provided to you. 
I asked you to cease all communications but am preparing for a lawsuit against XXXX as I have multiple debt collectors trying to collect the same debt. 
Please let me know in writing if you do not intend to provide the requested document. After that our business will be concluded and there will be no further contact or action by you. 
If you do not intend to provide the document or are unable to them, please remove the collection from all credit reports. 

Please do send me copies of statements or a generic XXXX XXXX that says they sold it to you. XXXX is aware of exactly what I am asking for. '' Experian, TransunioXXXX and XXXX were provided a copy of this letter. XXXX has responded that they verified the information but did not provide the requested copies of how they verified it. 

My understand off FCRA is that if XXXX can not provide the requested information they must remove the 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 explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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 ( CRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians 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 Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I mark as inaccurate : XXXX XXXXXXXX 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 2025-02-09 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: MA

Complaint narrative:
XXXX  XXXX The Payment Status is inaccurately reporting as 90 days late with Experian, while TransUnion and Equifax show it as current. Additionally, the two-year payment history reflects XXXX  days late for XX/XX/year> and XXXX  days late for XX/XX/year>, both of which are incorrect. Please update the payment history to reflect " Current '' or " Paid on Time, '' as this account has been paid on time.

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 2025-02-09 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: MI

Complaint narrative:
Credit Dispute Timeline Summary for CFPB Complaint : Initial Dispute ( XX/XX/XXXX ) : Disputed XXXX accounts with the credit bureau. 
No consistent or adequate responses received, violating the 30-day response window mandated by the Fair Credit Reporting Act ( FCRA ). 
Follow-Up Dispute ( XX/XX/XXXX ) : Submitted a dispute with 6 months ' worth of previous dispute letters. 
These letters documented repeated requests for the credit bureau to conduct a reasonable investigation and to provide responses under consumer law. 
Consumer Law Violations Noted in Disputes : Failure to Conduct Reasonable Reinvestigation ( 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ) : Requested verification of disputed accounts and proof of reinvestigation, but the credit bureau failed to provide evidence of any reasonable investigation, including verification with the furnishers and contacting relevant parties. 
Failure to Notify Furnishers of the Dispute ( 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) ) : No proof was provided that the furnisher was notified of the dispute within the required 5 business days, violating the statutory requirement for notifying the furnisher of a dispute. 
Failure to Provide Verification or Delete Inaccurate Information ( 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ) : Disputed accounts remain on the credit report despite being inaccurate and unverified. The credit bureau failed to delete or modify inaccurate information as required by law. 
Damaging Inaccurate and Incomplete Information ( 15 U.S. Code 1681e ( b ) ) : The continued reporting of unverifiable and inaccurate accounts is damaging the my credit score, hindering access to credit, loans, and services. This violates the requirement for " maximum possible accuracy '' in consumer reports.

Request for Detailed Procedures ( CFPB Consumer Rights Website ) : Requested specific details on how the credit bureau conducted their investigation, including timelines and procedures, as required under the FCRA and noted on the CFPBs consumer rights website. There has been no response regarding these procedures. 
Summary : The credit bureau has repeatedly failed to meet the legal requirements for handling disputes under the FCRA, causing lasting damage to the consumer 's credit and financial reputation. Despite numerous attempts to resolve the issue and clear inaccuracies.

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 2025-02-09 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 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. 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 non-monetary relief
Consumer complaint received 2025-02-09 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:
XXXX, Equifax had data breach and my information was apart of that data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description, but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 

XXXX XXXX XXXX Account Number # XXXX ( XXXX ) - 30 Day Late Payment XXXX to XXXXXXXX XXXX XXXX  AccountcNunber # XXXX ( XXXX ) - 30 Day Late Payment XX/XX/XXXX - XX/XX/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 2025-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX I received my XXXX IRS Form 1098 from my mortgage servicer - PennyMac Loan Services , LLC . To my dismay the form stated I paid {$0.00} in real estate taxes in XXXX. I checked my online account and saw that XXXX property taxes were only on XX/XX/XXXX. Since PennyMac has been my loan servicer for several years they have always paid my property taxes on or prior to XX/XX/XXXX of that calendar year. 

I did receive a letter regarding this but it was buried in the tons of mail and emails I get from PennyMac. 

I will now owe several XXXX dollars in federal income taxes due to {$0.00} of real estate tax deductions for XXXX. PennyMac said they made the change to align with the tax due date of XX/XX/XXXX, but my sense if that they want to hold onto customer escrow fees for additional time so they can earn additional income/interest for that time. 

PennyMac failed to properly notify customers of a change in longstanding practice that will cost them thousands of dollars in federal and state income taxes. 

Kindly assist with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
I am reaching out for the 2ND time to CFBP & FTC I don't know what else to do but keep fighting. There is no one else to reach out to that would have the authority to hold the credit burred accountable for continually violating my American Consumer Rights over and over. Please make them do the right thing and REMOVE THIS ACCOUNTS. I have attached all documents including how they are violation multiple of the Consumer Finance Protection Bureau law and my right. I have provided evidence for a prompt response. Thank you DO NOT CLOSE COMPLAINT WITHOUT COMPLETE RESOLVE

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