vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: NJ

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 2025-03-24 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: NV

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 2025-03-24 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 submitting a formal complaint against Equifax for failing to conduct a proper investigation into the inaccuracies I have disputed on my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, claiming the information is accurate, without providing any evidence of a thorough or reasonable investigation. This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to perform a reasonable investigation of consumer disputes. Additionally, Equifaxs actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as demonstrated in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations . I urge the CFPB to take appropriate action to ensure Equifax complies with federal law and provides consumers with clear proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report 3 fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, and a collection account with XXXX opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Dave Operating, LLC
State: NE

Complaint narrative:
On XXXX XXXX, I received an email from XXXX that someone had spent {$10.00} at a XXXX  across the country from me. Later that day I received an email that someone had attempted to buy XXXX  currency also using my XXXX account. I then tried that evening to access my bank account, and I was unable to. I contacted my bank the next day and found that someone had hacked my bank account and changed all my personal information. We immediately changed our bank accounts. Another transaction we found out about when we met with the bank was {$200.00} to Dave - Fast cash and banking. The bank refused that debit, but I have been unable to get Dave to close the account. I have tried to communicate with them, but they only respond with email. They insist that in order to close the account I have to download the Dave app, pay off the balance, and then I can close the account in the app. I have been working with an agent from XXXX XXXX XXXX. She has tried to call the company at their XXXX number, but they refuse to answer. I registered a complaint and received responses from a couple individuals, but all of them involve downloading the Dave app and spying off the negative balance. In addition to this Dave account, I also had my XXXX hacked and attempts were made to charge money to me through XXXX XXXX and XXXX XXXX XXXX XXXX. These have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Inaccurate amount of debt owed, no contact info attached to reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and eliminate these entries from my report. It is my understanding that you will verify these items with the respective creditor. Should the creditor be unable to provide verification, I kindly ask that you remove the corresponding information. I am aware that under 15 U.S.C. 1681i ( a ), you are obliged to complete this reinvestigation within 30 days of receiving this letter.

Furthermore, in accordance with 15 U.S.C. 1692c ( c ), I request that you cease all communication regarding this alleged debt until a verification of the debt is provided. 
Additionally, I request that you send an updated copy of my credit report to the aforementioned address, free of charge. I also request that you notify any parties who have received my credit report in the past six months of the corrections made. 
Thank you for your attention and assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
I am filing this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate reporting on my consumer credit report. Despite my multiple disputes, Experian has failed to investigate and correct inaccurate and misleading information as required by federal law. Details of Violations : Failure to Conduct a Proper Investigation ( 1681i ) Experian failed to investigate my dispute properly and verify the accuracy of the accounts in question. The same inaccuracies remain on my report despite previous disputes. Failure to Ensure Maximum Possible Accuracy ( 1681e ( b ) ) Experian continues to report incorrect payment history and charge-off statuses on accounts, which negatively impacts my creditworthiness. XXXX XXXX Account : Incorrectly reports as both " paid '' and " charge-off. '' XXXX Account : Marked as " paid/closed '' but still includes derogatory remarks. Failure to Mark Disputed Accounts as Disputed ( 1681s-2 ( a ) ( 3 ) ) Experian did not properly flag disputed accounts as " disputed by consumer, '' which misrepresents the account status to potential creditors. Illegal Re-Aging of Debt ( 1681c ( a ) ) Some accounts have had their delinquency dates altered, which artificially extends the time they remain on my credit report. Experian has failed to provide proof of the Date of First Delinquency ( DOFD ) upon request. Reporting of Duplicate Collection Accounts ( 1681s-2 ( a ) ( 1 ) ( A ) ) Experian has listed duplicate collection accounts with different balances and account numbers, further damaging my credit. Harm Suffered : Due to these violations, I have suffered financial and emotional distress, including : Denial of credit opportunities. Higher interest rates due to incorrect negative reporting. Damage to my credit score and financial reputation. - SEE ATTACHED FILES

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 2025-03-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am a recently separated 100 % XXXXXXXX XXXX XXXXXXXX veteran on a fixed income of $ XXXX. My Cash App Card was compromised, and I filed a dispute for unauthorized transactions from XX/XX/XXXX XX/XX/year>. 

My case number is XXXX, and Ive provided Cash App with all required documents, including XXXX and XXXX statements. I also have a learning XXXX that prevents me from disputing each charge individually. Under the ADA, I requested a full account review and refund. 

Ive followed all Cash App instructions and submitted my dispute via app and email, but no refund has been issued. This has caused severe financial hardship. I rely on this account for my VA benefits and have no access to money. 

I am requesting the immediate refund of all unauthorized transactions and that the money be returned to my Cash App balance without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
Follow-Up on Dispute Submitted on XX/XX/XXXX Failure to Properly Handle Credit Profile Complaint In Reference # XXXX I am writing to follow up on my dispute submission dated XX/XX/XXXX, regarding the continued issues I have experienced with Equifaxs handling of my credit profile. Over the past year, from XX/XX/XXXX, to XX/XX/XXXX, I have received more than 35 letters from Equifax claiming that they can not locate a credit file for me. However, when I contact Equifax, my credit file is found after I identify myself and provide documentation. This repeated occurrence is not only frustrating, but it also appears to be a deliberate tactic to evade addressing my legitimate disputes, which I believe constitutes fraudulent activity. Despite my numerous attempts to resolve this issue, including submitting relevant documentation, Equifax has continued to fail in providing a clear and accurate credit report. I demand that Equifax take immediate corrective action to : Properly locate and update my credit profile. Provide me with a comprehensive and accurate credit report that reflects my true credit history. Resolve all outstanding disputes I have submitted in a timely and accurate manner. Please note that if this issue is not rectified immediately, I will have no choice but to pursue legal action with my attorney to protect my rights and seek compensation for the harm caused by Equifax 's continued failure to maintain an accurate credit profile for me. I request a formal response to confirm that the issues have been resolved within 15 days of receiving this letter. Failure to address this matter promptly will result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( Please remove this account before I seek Litigation for defamation of character ) XXXX XXXX. {$6400.00}, XXXX XXXX XXXX XXXX XXXX XXXX. {$89.00}

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 2025-03-24 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: CA

Complaint narrative:
Please remove charge off, on all three credit bureaus. Not my account, fraudulent account opened up, without my knowledge. Maybe an electronic signatures. I have reached out, and no response, no call back. I cant give dats and amounts Im not familiar with.

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 2025-03-24 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Please remove charge off, on all three credit bureaus. Not my account, fraudulent account opened up, without my knowledge. Maybe an electronic signatures. I have reached out, and no response, no call back. I cant give dats and amounts Im not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Above Lending, Inc.
State: VT

Complaint narrative:
I enrolled in a debt settlement program with XXXX XXXX, they then continued to up payments and demand lump sums until I could no longer afford their program after paying XXXX every XXXX weeks for 1 year plus. I started with {$33000.00} in debt and they say they reduced by XXXX however they then forced me into a loan with their partner Above Lending for {$25000.00} which now after paying {$300.00} every 2 weeks for months I now owe more than originally agreed ( XXXX ) with an interest rate of XXXX percent!! At this rate I am now worse off than I would have been in credit debt and god knows how much I will pay in the long runoriginal contract states {$48000.00} but at this rate will be far more! 

XXXX XXXX and their partner Above Lending are total predatory lenders and taking advantage of people in an already difficult situation and I will proceed with legal action to protect myself and others!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 USC 6802 15 USC 1681b Account information inaccurate I am writing to formally request validation of the debt referenced below, as outlined in Regulation F and the Fair Debt Collection Practices Act ( FDCPA ). I recently noticed that a collection account has been reported on my credit report, and I have questions regarding its accuracy.

Please provide the following information : The name and address of the original creditor. 
Date account was opened The full amount of the debt and a breakdown of any interest or fees added. 

Proof that you are authorized to collect this debt. 

Documentation supporting that the debt is valid and that I am responsible for it. 

Until proper validation is provided, I respectfully request that you refrain from reporting this debt to any credit reporting agencies. If the debt is already being reported, I request its removal while the matter is under investigation. 

Please note that this is not a refusal to pay but a request for verification as allowed under the FDCPA.

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 2025-03-24 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF Items TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$910.00} XXXX XXXX BALANCED {$640.00} XXXX XXXX XXXXXXXX BALANCED {$500.00} XXXX XXXX XXXXXXXX BALANCED {$520.00} XXXX XXXX XXXX XXXX BALANCED {$4200.00} XXXX XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXXXXXX BALANCED {$770.00} XXXX XXXX BALANCED {$1700.00} XXXX XXXX BALANCED {$1200.00} XXXX  XXXX BALANCED {$1300.00} XXXX  - XX/XX/2023 These Items 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 US 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