vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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 am filing a complaint against Equifax for failing to propery 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 explanation
Consumer complaint received 2025-01-24 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 seven 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 explanation
Consumer complaint received 2025-01-24 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify adequate consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing home to my credit standing. I am requesting immediate corrective action to remove or amend ALL disputed accounts, as experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: IL

Complaint narrative:
I am writing to formally dispute two entries on my credit report that were placed by IQ Data International. These entries, dated XX/XX/year>, are listed under " Potentially Negative - Major Derogatory '' with the following details : Account in the amount of {$1000.00} with a status of " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in the amount of {$3000.00} with a status of " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not recognize these debts, nor have I been contacted by IQ Data International regarding them. It is my understanding that under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to notify consumers about any alleged debts and provide verification before reporting such debts to the credit bureaus. This notification has not occurred in my case, which raises serious concerns about the accuracy and legality of these entries. 

Thank you in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I went to make a payment using my Gemini account & it was rejected because my account was placed on hold.

I asked them why & they said I needed to show company invoices.

I shared the invoice details & I haven't heard back anything since.

It's been over 2 weeks now that my funds have been frozen.

I wasn't notified in advance of any concerns. They simply decided one day that my account needs to be locked.

I don't have any feedback from them in terms of reason or reasonable resolution time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
On XXXX I reviewed my credit report and I noticed that despite my ongoing efforts and certified submitted disputes that Experian has disregarded my disputes failed to properly investigate and fix the issues as well they never notified me. Experian has violated my consumer rights and the following FCRA Provisions. 15USC 1681 ( a ), 15USC1681a ( 6 ) ( B ), 15USC 1681b ( 5 ) attached you will see my credit report that was sent to them in reference to support my disputes with the highlighted errors and to no avail they still failed to act and comply with my request for removal. I feel that this has been intentional and caused me a significant hardship financial and emotional and constitutes non compliance with federal law. In which also I will be seeking monetary compensation of {$1000.00} per violation in accordance with my rights under the FCRA. For their extreme negligence in investigating these disputes in regards to my Personal information, inaccurate information as well reinsertion of information that was previously 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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is reporting misspelled versions of my name and will not remove them so it does not allow me to dispute any collections on my accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX is reporting misspelled versions of my name and will not remove them so it does not allow me to dispute any collections on my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report and now the creditor is wrongfully suing me. I have requested information from XXXX, XXXX and XXXX requesting that they provide the purchase agreement and account details. I have been repeatedly disputed this account upon reviewing my credit report back in XXXX when I was tryin to refinance my home. After the dispute was made I received notification from XXXX that the debt being disputed meets the requirements of the Fair Credit Reporting Act. I was not provided that information that I requested and this debt continued to remain on my credit report. XXXX did not provide accuracy to the mentioned account nor was the debt properly investigated. When I was unsuccessful with the credit bureaus I reached out to creditor directly and I was only sent a copy of a bill. Many attempts were made after receiving the bill requesting that this account be investigated and nothing has been done. I am a victim of identity thief and I don't understand how a debt was made under my name when my credit is suppose to be protected by the Fair Credit Act and under an extended fraud alert. I have reported this debt with my local police department. I don't understand how I am now being sued when I have been trying to disputed this debt with the credit bureaus and collection agency. In addition to this complaint someone that does not even know me personally was severed court documents. I haven been trying to reach the company that is now suing me @ XXXX and I have be unable to reach anyone. I will be on hold for over XXXX minutes and the line will get disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MO

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer. I initially sent written documentation informing the bureaus of the inaccuracies on my credit report on XX/XX/year>, when I received no response to that communication I sent a follow up written confirmation on XX/XX/year>. This timeframe gave more than the standard 30 days for a response to such communication, which is why at this time I am escalating my concerns to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I filed a complaint with the bank involved with my credit card. Suddenly, the last few transactions since I have used the card is now asking me to sign in agreement that I will pay the transaction. I find this to be retaliatory. They just reviewed my credit, and they don't know what I have pending or anything involving anything outside of the scope of them. So, they don't need to suddenly starting to request that I sign that I will pay my bill. Obviously, I will pay my bills. I always have and always do despite the false information on my credit report that has yet to be resolved due to pure stupidity and laziness on the other party.

Now, all of the sudden the weather reporters down south aren't actually predicting anything and completely destroyed my trip, plans, and income because they didn't accurately predict a storm that ran through an extra XXXX miles of XXXX. Causing me to have to sleep in my car in 20-degree weather due to untreated or maintained roads for a storm.

To top it all off, I go to 2 locations to gas up and they put a {$25.00} to {$50.00} hold on my card. Causing me to have to dip into money that was supposed to go towards my hotel room, food, and other expenses. Essentially, they destroyed my budget and what extra I had.

All intentional. All harassment. All retaliatory. And all intentional!

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 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OH

Complaint narrative:
A payment was made on my account in XXXX of 2023. I made a second payment immediately after. Each payment was in the about of {$250.00}. XXXX  payments were withdrawn from my bank account. Only XXXX payment posted to my loan. I gave them proof visas the confirmation number they sent to me of the payment and my bank statement showing the withdrawal from my account. My payment was never credited to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than 4 business days after the date of receipt by such agency.

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 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX may have violated the 605 ( b ) rule under the Fair Credit Reporting Act ( FCRA ) by unlawfully selling my personal information without my consent. Section 605 ( b ) of the FCRA restricts the reporting of inaccurate or unverifiable information and requires entities to ensure the accuracy and privacy of consumer data. By issuing a charge off without a 1099-C for a discharged debt without your authorization or valid cause, the credit union could have misrepresented your financial status, potentially harming my credit report and creating undue tax liability. These actions could constitute fraud and noncompliance with federal consumer protection 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 non-monetary relief
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX may have violated the 605 ( b ) rule under the Fair Credit Reporting Act ( FCRA ) by unlawfully selling my personal information without my consent. Section 605 ( b ) of the FCRA restricts the reporting of inaccurate or unverifiable information and requires entities to ensure the accuracy and privacy of consumer data. By issuing a charge off without a 1099-C for a discharged debt without your authorization or valid cause, the credit union could have misrepresented your financial status, potentially harming my credit report and creating undue tax liability. These actions could constitute fraud and noncompliance with federal consumer protection 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 2025-01-24 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: SC

Complaint narrative:
I have been having issues with my Cash app. Funds not on there when they are suppose to be, and they charge me extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of CFPBs lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: OR

Complaint narrative:
They failed to properly investigate disputes on credit. didnt complete in 30 days and failed to provide verified documents from disputes

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 2025-01-24 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:
I Noticed A Inquiry Of XX/XX/year> That I Didnt Make, So I Called And Asked Them To Remove I Followed All There Directions To Still See That There Reporting It

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
There are two innaccurate XXXX XXXX accounts on my credit reports. And I am requesting a full investigation in to the stated accounts. XXXX XXXX Account # XXXX XXXX XXXX Account # 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 2025-01-24 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: FL

Complaint narrative:
There are two innaccurate XXXX XXXX accounts on my credit reports. And I am requesting a full investigation in to the stated accounts. XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital systems keeps calling me emailing me and sending letters to my address

Company response to consumer: Closed with explanation