vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: MA

Complaint narrative:
I am filing this complaint against Experian Dispute Resolution for failing to ensure accurate reporting of late payments on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My dispute concerns XXXX inaccurately reported late payments on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Details of the Issue Inaccurate Late Payments : The late payment entries reported by Experian for the months mentioned above are incorrect. These entries are negatively affecting my credit score and financial opportunities.

Violation of FCRA Requirements : Under FCRA 1681i, Experian is required to conduct a reasonable investigation of disputed information. However, Experian has failed to : Provide proper verification or documentation to support these reported late payments. 
Conduct a reasonable reinvestigation of the disputed information.

Forward all relevant documentation I submitted to the furnisher of the information.

CFPB Lawsuit Against Experian : The recent CFPB lawsuit against Experian highlighted systemic failures in their dispute process, including over-reliance on furnishers ' responses and failure to provide consumers with clear, accurate reinvestigation results. My case is yet another example of Experians disregard for consumer rights and FCRA compliance. 
Conclusion Experians failure to comply with FCRA standards and their inadequate dispute resolution process has caused undue harm to my credit profile. I respectfully request that the CFPB take action to ensure Experian corrects these errors and implements proper compliance measures to prevent future violations. 

Thank you for your attention to this matter. I am available to provide further information or documentation upon request.

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 2025-01-31 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions, Equifax consistently responds within XXXX 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, Equifaxs 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 proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested to CFPB takes action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by refusing to remove student loan accounts ( AGAIN ) that have been officially discharged by the U.S. Department of Education through the XXXX XXXX to Repayment program. This is documentation that will be evidence in my upcoming lawsuit. 

Details of the Violation XXXX. I received a formal discharge confirmation from the U.S. Department of Education ( Case # XXXX ) stating that my student loans from XXXX XXXX XXXXXXXX have been completely discharged, are legally unenforceable, and must be removed from my credit report. 
XXXX. Experian continues to report a balance on these accounts despite clear documentation proving they should no longer exist. 
XXXX. Experian failed to conduct a proper investigation and instead relied on information from XXXX, even though the U.S. Department of Education has already determined the loans are unenforceable and must be deleted from my credit report. 
XXXX. This willful noncompliance with the FCRA is harming my creditworthiness and ability to access financial opportunities. 

Supporting Evidence ( Attached ) Borrower Defense Discharge Letter from the U.S. Department of Education, confirming these loans are legally unenforceable. 
Experian Dispute Results, showing their failure to properly correct the information. They insist that this will remain on my report. 
Credit Report Excerpts, highlighting the incorrect reporting. 

Experian is in direct violation of federal law by refusing to correct this information. I request immediate intervention from the CFPB to enforce compliance.

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 2025-01-31 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 writing to dispute the following fraudulent accounts on my Experian credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request the immediate removal of these accounts under the FCRA, specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ) , and 15 USC 1681c ( c ) . Furthermore, as per Law 605 B, these fraudulent accounts should be eliminated from my credit report. Your company is under scrutiny due to a recent lawsuit filed by the Consumer Financial Protection Bureau ( case name : " Consumer Financial Protection Bureau v. Experian Information Solutions , Inc. '' ). This lawsuit highlights Experian 's failure to conduct proper investigations and remove or reinsert errors on consumer credit reports. As such, it is imperative that Experian address this matter in accordance with the FCRA. Please find enclosed a copy of my FTC Report, highlighting the fraudulent accounts mentioned above. I request that Experian promptly investigate this matter and delete these erroneous items within 30 days of receipt of this letter, as mandated by the FCRA. I appreciate your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these fraudulent accounts from my credit report. 

Thank you for your time and cooperation.

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 2025-01-31 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: CO

Complaint narrative:
I have disputed this account several times. Just to get a un validated reply. Please send XXXX proof of charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Opportunity Financial, LLC
State: MI

Complaint narrative:
My information was breeched multiple times from XXXX. I went through XXXX app to dispute the companies and they are still processing the information on my credit. I asked that they remove those accounts immediately and they failed to do so and update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EQUIFAX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not receive the required 21-day prior written notice from the creditor/lender regarding the late payment, as mandated by 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to correct this with the credit bureaus and the creditor/lender, the incorrect entry remains. I request the CFPB 's assistance in investigating this matter and ensuring the erroneous late payment is removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had a account with cash app each time I had issue there was no one to assist if my card was used for unauthorized transactions no one could help contact desk was automated so I had to put a stop to my card and order another card to make sure my account stayed secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NV

Complaint narrative:
Subject : Cease and Desist Communication Request Pursuant to 15 U.S.C. XXXX ( c ) Debt collectors, collection agencies I am writing to formally notify you that, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. XXXX ( c ), I am requesting that you immediately cease and desist any further communication with me regarding the alleged debt referenced in your communications. 

Under 15 U.S.C. XXXX ( c ), I have the legal right to request that you stop contacting me. Therefore, I request that you cease all written and oral communications regarding this matter, effective immediately. The following accounts need to be removed immediately XXXX XXXX account number : XXXX balance {$330.00} XXXX XXXX XXXX XXXX XXXX : XXXX balance XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX I've never heard of your company i do not have any business or contract with your company XXXX. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

XXXX. XXXX. Validation of the debt-that is, the actual accounting. 
XXXX. 
XXXX. Verification of signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original docurse and wet signature if you cant provide these items Delete them. 


Please be advised that I expect all communication from your office to stop, with the exception of a written notice acknowledging your receipt of this request or any other communication that is required by law. 

Failure to comply with this request may result in legal action being taken to enforce my rights under the XXXX 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and that your communications will cease accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NV

Complaint narrative:
Subject : Cease and Desist Communication Request Pursuant to 15 U.S.C. XXXX ( c ) Debt collectors, collection agencies I am writing to formally notify you that, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. XXXX ( c ), I am requesting that you immediately cease and desist any further communication with me regarding the alleged debt referenced in your communications. 

Under 15 U.S.C. XXXX ( c ), I have the legal right to request that you stop contacting me. Therefore, I request that you cease all written and oral communications regarding this matter, effective immediately. The following accounts need to be removed immediately XXXX XXXX account number : XXXX balance {$330.00} XXXX XXXX XXXX XXXX XXXX : XXXX balance XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX I've never heard of your company i do not have any business or contract with your company XXXX. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

XXXX. XXXX. Validation of the debt-that is, the actual accounting. 
XXXX. 
XXXX. Verification of signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original docurse and wet signature if you cant provide these items Delete them. 


Please be advised that I expect all communication from your office to stop, with the exception of a written notice acknowledging your receipt of this request or any other communication that is required by law. 

Failure to comply with this request may result in legal action being taken to enforce my rights under the XXXX 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and that your communications will cease accordingly. 

Sincerely, 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 2025-01-31 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: CA

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 recently filed a lawsuit against Experian and Equifax, 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 Transunion 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 disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. I request that the CFPB take action to ensure Equifax, Experian and Transunion complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXSubject : Dispute of Inaccurate Information Request for Removal of XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of two accounts listed on my credit report under your agency. The accounts in question are as follows : XXXX. **Account Name : ** XXXX XXXX XXXXAccount Number : ** XXXX XXXX : ** Charged Off 2. **Account Name : ** XXXX XXXX  XXXX Number : ** XXXX XXXX : ** Charged Off I believe these accounts are being reported inaccurately and should be removed from my credit report for the following reasons : 1. **Incorrect Reporting : ** The accounts are listed as " charged off, '' but I have no record of these accounts being charged off.

2. **Lack of Verification : ** I have previously disputed these accounts with XXXX XXXX XXXX and they have not provided sufficient evidence to validate the accuracy of the charged-off status.

3. **Violation of FCRA : ** Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of disputed information and ensure the accuracy of the information reported. I have reason to believe that the information provided by the furnisher ( XXXX XXXX ) is inaccurate, and I request that you verify the accuracy of these accounts with the furnisher. 

Additionally, I am aware that Experian has been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate consumer disputes, including failing to forward all relevant information to furnishers, failing to provide accurate notice to consumers, and failing to conduct reasonable reinvestigations. Given this history, I urge you to take this dispute seriously and ensure that a thorough and accurate investigation is conducted. 

**Request for Action : ** I request that you : 1. Conduct a reasonable reinvestigation of these accounts as required by the FCRA.

2. Remove or correct the inaccurate information from my credit report.

3. Provide me with a written explanation of the results of your investigation, including any actions taken.

Please note that under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If the information is found to be inaccurate, incomplete, or unverifiable, you must delete or correct it promptly. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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