vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
I have submitted numerous complaints to Equifax re : credit reporting errors. The information is reported accurately across XXXX and XXXX using the same data relevant to lenders who are part of my credit file that Equifax would include as well, but Equifax refuses to correct outdated information despite confirmation from my creditors ( one by one ) that Equifax has sent no requests for data review and/or verification since XXXX. 

Equifax lists my payment status incorrectly on several accounts. Namely, I have not incurred a late payment since XX/XX/XXXX. There are additional errors and Equifax at one point sent mail via post with documentation for me to verify I am the person associated with my SS. I do not believe Equifax is completing research relevant to complaints for correction submitted. Equifax reporting data inaccurately prohibits my ability to have a fair chance with potential lenders. 

For clarity, and as previously shared, I had one secured card from August 2019-August 2023. All accounts prior to XX/XX/XXXX were closed by the corresponding creditors, and by issue of the court ( NYSD ) I was legally unable to obtain or open any form or line of credit until my discharge on XX/XX/XXXX. I have since opened accounts post discharge but it would be physically impossible for me to have a late payment during XX/XX/XXXX when no lines of credit were open except a secured card which has an accurate payment history. 

Equifaxs disregard for factual information to be thoroughly verified is evidenced by recent media coverage. I am simply aiming to have my information corrected as I rebuild my credit following myXX/XX/XXXX XXXX discharge. I was able to request physical copies mailed to me confirming each account status and closure date. If Im able to confirm the same directly with creditors andXX/XX/XXXX and XXXX have done the same, why is Equifax falsifying my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-01-27 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: OH

Complaint narrative:
Transunion 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 filed lawsuits against Transunion in the past, alleging systematic 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 Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing hardship to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 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 non-monetary relief
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX {$6700.00}XX/XX/XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXX XXXX Balance XXXX : {$0.00} XX/XX/XXXX XXXX Balance Owed XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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 sent multiple dispute letters to EQUIFAX regarding inaccurate information on my credit report. Despite providing evidence, EQUIFAX has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : EQUIFAX has not ensured the maximum possible accuracy of the information in my credit file.

15 USC 1681s-2 : EQUIFAX has continued to report inaccurate information after I provided notice of disputes.

15 USC 1681i ( 5 ) : EQUIFAX has reinvestigated and reinserted disputed items without notifying me, as required by law.

15 USC 1681c ( c ) : EQUIFAX has reported obsolete information that should have been excluded from my credit report.

Recently, I became aware of the lawsuit filed by the CFPB against EQUIFAX onXX/XX/XXXX/2025 titled " CFPB Sues EQUIFAX for Sham investigations of Credit Report Errors. '' According to the CFPB, EQUIFAX has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing.

EQUIFAX 's failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
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. 

HARD INQUIRIES Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name :XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX -DATE : XX/XX/XXXX Account name : XX/XX/XXXX-DATE : XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX These accounts reported by XXXX Equifax and XXXX has violated my rights 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, states 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 make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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. 

COLLECTIONS Account name XX/XX/XXXXXXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX These accounts reported by XXXX Equifax and XXXX has violated my rights 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, states 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 make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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 explanation
Consumer complaint received 2025-01-27 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:
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. 

HARD INQUIRIES Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name :XX/XX/XXXXDATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name :XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX -DATE : XX/XX/XXXX Account name : XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX These accounts reported by XXXX XXXX and Experian has violated my rights 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, states 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 make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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. 

COLLECTIONS Account name :XX/XX/XXXXXXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX These accounts reported by XXXX XXXX and Experian has violated my rights 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, states 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 make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My last place of rental was abated, leaving me completely free of having to pay for any fees tied to the apartment. Due to the apartment failing an inspection. I sent proof of the abatement letter from my housing specialist, stating that I did not owe the apartments any fees. XXXX, XXXX, AND EQUIFAX still have the debt of {$1000.00} listed on my report. Making it difficult for me to rent elsewhere!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My last place of rental was abated, leaving me completely free of having to pay for any fees tied to the apartment. Due to the apartment failing an inspection. I sent proof of the abatement letter from my housing specialist, stating that I did not owe the apartments any fees. XXXX, EXPERIAN, AND XXXX still have the debt of {$1000.00} listed on my report. Making it difficult for me to rent elsewhere!

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 2025-01-27 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:
Experian 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 Experian, 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 Experian 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 Experian 's 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 2025-01-27 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: IL

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 CFPB 's recent administrative proceedings against them for similar violations. request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested the removal of inaccurate information : account XXXX XXXX , the reporting agency did not properly investigate, instead they just added a consumer statement

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 2025-01-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XX/XX/XXXX XX/XX/year>2024XX/XX/XXXX XX/XX/XXXXXXXX/XXXX/2024XX/XX/XXXX XXXX/XXXX/2024

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 2025-01-27 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: MD

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX XXXX XXXX XXXX  # XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX # XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX # XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TX

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 15USC 1681. XXXX, XXXX XXXX # XXXX. XX/XX/XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX. Has violated my rights I look at my Transunion credit report on XX/XX/scrub>, 2025 and noticed something are incomplete and not accurate. And according to the fair credit report act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates USC 1681 ( e ) ( b ). And according to 15 USC 1681 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer reporting agency shall promptly delete that item of information from the file of consumer, modify that item of informations, as appropriate base on the results of the reinvestigation and promptly notify the furnisher of information that the information has been modified or deleted from the file of the consumer and 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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