vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: MI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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 2025-02-02 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report 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 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 XXXXXXXX These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/XXXX mine and my wife 's XXXX phones were hacked and our identities were stolen. My apple credit card information was compromised and a purchase for {$3100.00} + taxes {$280.00} was made. I live in Texas and said purchase was made in New York. Someone bought an apple product at their store in New York and used my credit card. I did not consent this purchase, nor do I know anyone that lives in New York. On XX/XX/XXXX, I contacted apple to try and solve this issue. I spoke with XXXX at apple card with Goldman Sachs and initiated a dispute immediately. They issued a new card number and I explained that I.have a police report. On XX/XX/XXXX I received communication that the dispute was declined because it was determined that it was an authorized purchase. To be clear, it was not. I was in Texas receiving XXXX while this purchase was made in New York. On XX/XX/XXXX I reopened the dispute and was told that it would be submitted for further review. On XX/XX/XXXX, the taxes ( {$280.00} ) of said transaction were removed and I received a credit. However, the main charge of {$3100.00} was not removed and they refuse to remove it, I received the final decision on XX/XX/XXXX. No-one at Goldman Sachs is able to explain how it was determined that I am not responsible for the taxes generated by this transaction, but I am responsible for the transaction itself. On XX/XX/XXXX, we spoke with a supervisor at Goldman Sachs, XXXX and she reopened the dispute. on XX/XX/XXXX I received a final communication making me responsible for the {$3100.00} of a purchase that I did not make and did not consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland credit management Inc. Filed a false declaration of service on me that resulted on not only defrauding me but the court system as well as they got a default judgment to garnish my wages. The name and information stated on the document who they served is completely made up. There's no one that exists with that name. My brother does not live here in this state, not the name listed on document nor is he XXXX as stated as the document. We are XXXX or how so alleged because they have been charged with robo signing that the process server is also a robo signing as when I looked up the name and number there's nothing that states they are a process, server or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have the unlimited cash rewards ( silver card ) from Bank of America and it's actually impossible to use this card. I think they may do this on purpose because they have a XXXX dollar credit if you spend a certain amount within 3 months, but of course you can't use the card. The card got deactivated randomly today even though it was the same card, used just one week later at the same grocery store that we always go to. When I tried to call to whitelist this card ( so it wouldn't keep getting flagged ) it is actually impossible to get a human on the line. I am debating just cancelling this card, since it seems like a scam. How are you supposed to spend a certain amount of money if you can't use the card at all? And it's absolutely impossible to contact a human being!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: WA

Complaint narrative:
sunday XX/XX/XXXX XXXX i i was asking for help wanting my charges to be suspended adn they pretty much told me there was nothing they could do for me

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

Complaint narrative:
I have been trying to dispute fraudulent information on my credit report for months The accounts were opened in result of fraud The Fair Credit Reporting Act mandates that all credit bureaus report only valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. They are not cooperating with me at all. This is in direct violation of the FCRA, 15 U.S.C. 1681 et seq.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: AK

Complaint narrative:
XXXX XXXX XXXX  was hired by myself for almost 2 years. I paid XXXX monthly for the best option available to clear up my credit before buying a home. Very slow process not sure everything I was told being done was actually done. 

XX/XX/XXXX I began and continued thru XX/XX/XXXX purchased my first home in XX/XX/XXXX. My point barely moved.

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

Complaint narrative:
To whom it may concern, I am writing to formally file a complaint against Equifax for their continued failure to investigate and remove inaccurate information from my credit report, despite multiple disputes filed by me. Equifax is not in compliance with federal laws under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy of my credit report.

15 U.S.C. 1681s-2 Failure of furnishers to correct and update information that is inaccurate.

15 U.S.C. 1681i ( 5 ) Failure to properly reinvestigate and delete inaccurate, incomplete, or unverifiable information.

15 U.S.C. 1681c ( c ) Failure to remove outdated adverse information from my report.

Despite multiple written disputes, Equifax has failed to conduct a proper investigation and continues to report inaccurate information that is harming my creditworthiness. This negligence and non-compliance with federal law have caused me financial harm and undue stress.

I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate Equifaxs failure to comply with the FCRA. I also demand that Equifax promptly correct the inaccuracies on my credit report and provide written confirmation of these corrections. 



Thank you for your prompt attention to this complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I tried to dispute many times plus my report havent been updated since last year. I paid my car loan off I paid my credit card off and I still have a charged off on my report. A lot of shady business going on

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: GA

Complaint narrative:
I have asked TransUnion and Equifax to remove these accounts and inquiries that they keep reporting, i have shown them that none of these accounts are mine, and have sent them everything needed to prove that these accounts and inquiries are not mine. 

accounts such as : XXXX XXXX XXXX OPENED XX/XX/year>, BALANCE {$730.00} XXXX XXXX XXXX XXXX XX/XX/year>, BALANCE {$480.00} XXXX- XXXX XXXX, XXXX, BALANCE {$7100.00} AND INQUIRIES SUCH AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EVERYTHING I STATED ABOVE IS ILLEGAL PURSUANT TO : 15 USC 1692 15 USC 1601 15 USC 1681 B 15 USC 1681 C-2 AND 15 USC 1602 ( P )

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

Complaint narrative:
I have asked TransUnion and Equifax to remove these accounts and inquiries that they keep reporting, i have shown them that none of these accounts are mine, and have sent them everything needed to prove that these accounts and inquiries are not mine. 

accounts such as : XXXX XXXX XXXX OPENED XX/XX/year>, BALANCE {$730.00} XXXX XXXX XXXX XXXX XX/XX/year>, BALANCE {$480.00} XXXX- XXXX XXXX, XXXX, BALANCE {$7100.00} AND INQUIRIES SUCH AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EVERYTHING I STATED ABOVE IS ILLEGAL PURSUANT TO : 15 USC 1692 15 USC 1601 15 USC 1681 B 15 USC 1681 C-2 AND 15 USC 1602 ( P )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: TN

Complaint narrative:
Ive submitted two cases through this portal and two letters certified mail to Trans Union. About these unverified inquiries, the individual companies nor TranUnion have provided me any proof that I initiated these inquiries in any shape or form. The reason being because I did not do so, I have not given anyone permission to do so in writing or in any other manner. They have violated the Fair Credit Reported Act. At this point I'm in the process of taking law action and I would need to be compensated for my time, physical and mental anguish ruffly {$5000.00}. They have broken the law and have taken advance of me. Below are the following codes under the Fair Credit Reporting Act that have been broken/violated. I'n not sure why they are aloud to violate the law and codes under FCRA XXXX Please take the time to review all information, attached is copy of one of the letters sent as well as the certified tracking for it. Thank you Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of the information they report. If they fail to do so and dont correct the mistake after youve disputed it, you can take legal action. 

( Unverified/Illegal use of my information 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 ) Statutory damages : If you take legal action under the FCRA and can prove XXXX violation, you could be awarded statutory damages. These can range from {$100.00} to {$1000.00} per violation, regardless of actual damages According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: CT

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 2025-02-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 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 These accounts have XXXX XXXX XXXX fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
Dear Sir or Madam I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Identify items that are located in my files attached. This information does not relate to any transaction that I made ; I have enclosed a copy of my Identity Theft report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block identity theft. Please let me know if you need any other information from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 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.

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