vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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:
XXXX XXXX XXXX XX/XX/year> This CFPB complain has been filed to request pursuant to FCRA section 606B ( 15 U.S.C section 1681c-2 ) that you the XXXX, Equifax XXXX and XXXX credit reporting agencies, 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, inaccuracies, and false information consists of a personal credit cards opened at XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX all of these mentioned accounts have resulted in several fraudulent inquiries, and collections appearing on my consumer FICO credit report. I do not recognize the mentioned accounts, collections, and hard inquiries appearing on my consumer credit report. I have attached a copy of my FTC identity Theft Criminal Complaint Ref # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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 XX/XX/year> This CFPB complain has been filed to request pursuant to FCRA section 606B ( 15 U.S.C section 1681c-2 ) that you the XXXX, XXXX XXXX and Experian credit reporting agencies, 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, inaccuracies, and false information consists of a personal credit cards opened at XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX all of these mentioned accounts have resulted in several fraudulent inquiries, and collections appearing on my consumer FICO credit report. I do not recognize the mentioned accounts, collections, and hard inquiries appearing on my consumer credit report. I have attached a copy of my FTC identity Theft Criminal Complaint Ref # 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 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Best Buy/CNBA card XXXX opened in my name XX/XX/year>. There was {$1200.00} charge on the card on XX/XX/year> which I did not make. I was alerted by XXXX XXXX regarding the opening of the card and I submitted a dispute.

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 2025-01-19 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-01-19 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: CL Holdings LLC
State: TX

Complaint narrative:
I have no knowledge of this debit. I have requested debit validation and still haven't received any documentation to support this inaccurate account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I downloaded my credit report in XX/XX/XXXX and seen a lot of unauthorized inquiries I did not authorize 5 accounts I never had I got a police report sent it to all three credit bureaus as a identity theft and they took it off and it gotten right back put on the report XX/XX/XXXX Theres no investigation being done with Equifax, XXXX, nor XXXX they are going off see say and all this has putting my life on hold do to financially grow for my family needs Ive been disputing and sending out my letters like I was supposed to in order to fix the problem and its a waste of time and money I need my financial freedom back please and thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: NJ

Complaint narrative:
I am writing to formally dispute the reporting of a XXXX XXXX account on my credit report. This letter serves as a follow-up to the complaint I submitted to the CFPB on XX/XX/XXXX, regarding the inaccuracies in the reporting of this account. 

On XX/XX/XXXX, your company responded through the CFPB portal with an interim explanation. While you stated that you contacted the data furnisher and conducted a re-investigation, I believe that Experian failed to properly investigate my dispute in a lawful and timely manner, in violation of the Fair Credit Reporting Act ( FCRA ). 

Issues with Experians Handling of My Dispute : Failure to Conduct a Proper Re-Investigation : Experians dispute intake procedures are faulty, as they fail to convey all relevant consumer-submitted documentation to the original furnisher. 
Uncritical Deference to Furnisher Responses : Your response indicates that you rely heavily on the data furnisher 's response, even when such responses are improbable, illogical, or lack adequate verification. 
Failure to Utilize Consumer-Provided Evidence : Experian ignored documentation I provided to substantiate my claim that the account is being inaccurately reported. 
Violation of Timely Investigation Requirements : Per FCRA Section 611 ( 15 U.S.C. 1681i ), the reinvestigation period must be completed within 30 days ( or 45 days if additional information is provided during the investigation ). Experian unlawfully extended this period and failed to complete a timely, thorough review.

Request for Resolution : To rectify this matter, I am requesting that Experian : Provide a detailed summary of the specific steps taken during your reinvestigation process, including how consumer-submitted evidence was reviewed and shared with the data furnisher. 
XXXX the verification documentation received from XXXX XXXX that substantiates the reporting of the disputed account. 
Immediately remove the disputed XXXX XXXX account from my credit report if verification can not be properly documented. 
Confirm compliance with FCRA and document how you intend to improve your reinvestigation processes to prevent further violations of consumer rights. 
I expect Experian to comply with its obligations under federal law by conducting a comprehensive reinvestigation of this matter and ensuring that the information reported on my credit file is accurate and verifiable. Failure to address these concerns may result in further action, including filing additional complaints with the FTC and consulting legal counsel to protect my rights. 

Please respond to this dispute in writing within 15 days of receipt of this letter

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 2025-01-19 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: NC

Complaint narrative:
They violated 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 CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Experian 's compliance with federal law and provides consumers with 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 explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Verification Request Due to Equifax Data Breach To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : 1. The original creditors name and contact information.

2. The specific amount of the debt and a breakdown of charges.

3. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-01-19 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: NY

Complaint narrative:
I am filing a complaint regarding a hard credit inquiry from XXXX XXXX, which appears on my TransUnion credit report dated XX/XX/XXXX. The inquiry was not authorized by me and remains on my credit report despite attempts to resolve the issue directly with both XXXX XXXX and TransUnion. 

Background : 1. TransUnion Credit Report : My TransUnion credit report, dated XX/XX/XXXX, lists a hard inquiry from XXXX  XXXX dated XX/XX/XXXX. 


XXXX XXXX XXXX Response : On XX/XX/XXXX, I received a response from XXXX  XXXX regarding the inquiry. In their response, XXXX XXXX confirmed that they did not perform a hard inquiry on my credit file on XX/XX/XXXX, and verified with TransUnion that no such inquiry exists. 


XXXX. Ongoing Discrepancy : Despite XXXX XXXX  confirmation that no inquiry was made, the inquiry remains visible on my credit report.

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 2025-01-19 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: AR

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as old address reported

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 2025-01-19 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: MS

Complaint narrative:
Experian has failed multiple time to fulfill its legal Obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information 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 furbish, accepting unreasonable 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 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces : 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
2024 credit collection I had no knowledge of was disputed and was not properly investigated which was subsequently denied and remained on my credit report

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
Was not able recoup money sent to wrong party back at the beginning of Zelle in XXXX was unable to get money back. 
I lost {$500.00} to a {$1000.00} and a was unable to get the funds back and I was not made aware that I could not get refunded my finances. This led to suffering food insecurity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed i had fraudulent accounts on my report. ive called to ask questions about the debt that they could not answer. 


I tried to upload my driver 's lisence, social security, and proof of address. but this website wont take files over 10MB

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 2025-01-19 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: TX

Complaint narrative:
Heres the text extracted from the image : 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, XXXX 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 proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation. 

Accounts subject to dispute {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation