vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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 this complaint against Equifax regarding an ongoing issue with inaccuracies on my credit file. On XX/XX/XXXX, Equifax provided written confirmation that inaccuracies related to my credit file, specifically an account from XXXX XXXX, were investigated and removed from my credit report ( Reference Case No. XXXX ). Despite this assurance, as of XX/XX/XXXX, the same inaccurate account has been reinserted on my credit report without proper notice, as required under the Fair Credit Reporting Act ( FCRA ). 

This reinsertion violates the FCRA 's requirements for the proper handling of disputed and previously resolved inaccuracies. It demonstrates a failure on Equifax 's part to maintain the integrity and accuracy of my credit file. 

Attached to this complaint is the XX/XX/XXXX, response from Equifax confirming the deletion of the disputed account. I request that Equifax immediately and permanently remove the inaccurate account from my credit file and provide a written explanation detailing how and why the account was reinserted without notice. 

This issue has caused significant frustration, confusion, and potential harm to my financial standing. I ask the CFPB to take appropriate action to ensure compliance with federal regulations and prevent future occurrences of such behavior by Equifax. 

Attachments : Equifax response dated XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: GA

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. XXXX ) 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 2025-01-26 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: TX

Complaint narrative:
I am filing a Complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The 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 ( 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 investigation. 

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 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 2025-01-26 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: TX

Complaint narrative:
I am filing a Complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The 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 ( 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 investigation. 

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 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 2025-01-26 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: GA

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX, XXXX, and Transunion consistently responds within 24 hours stating that the account is accurate, without providing 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, XXXX, and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. 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 Account names I am requesting to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I am filing a complaint against XXXX, Equifax, and XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX, Equifax, and XXXX consistently responds within 24 hours stating that the account is accurate, without providing 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, Equifax, and XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. 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 Account names I am requesting to be removed 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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Agreement ( 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 2025-01-26 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: NC

Complaint narrative:
My XXXX XXXX and XXXX XXXX  have on multiple occasions lowered my credit limit multiple times making it look like Ive reached my limit and causing issues with my credit score. Ive paid in time and Ive even locked my cards so they are not used while I pay them down. How is this legal for them to lower the lower limit making it look like Ive abused my credit when in fact I had plenty line of credit. I spoke to them and they said they received. Information without my consent from the credit bureaus. Im confused if Im paying on time as well as paid the cards off multiple times why am I and others being punished. It makes no sense

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 2025-01-26 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: CITIBANK, N.A.
State: NC

Complaint narrative:
My XXXX XXXX and Citi card have on multiple occasions lowered my credit limit multiple times making it look like Ive reached my limit and causing issues with my credit score. Ive paid in time and Ive even locked my cards so they are not used while I pay them down. How is this legal for them to lower the lower limit making it look like Ive abused my credit when in fact I had plenty line of credit. I spoke to them and they said they received. Information without my consent from the credit bureaus. Im confused if Im paying on time as well as paid the cards off multiple times why am I and others being punished. It makes no sense

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 2025-01-26 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: NC

Complaint narrative:
My XXXX XXXX and XXXX XXXX  have on multiple occasions lowered my credit limit multiple times making it look like Ive reached my limit and causing issues with my credit score. Ive paid in time and Ive even locked my cards so they are not used while I pay them down. How is this legal for them to lower the lower limit making it look like Ive abused my credit when in fact I had plenty line of credit. I spoke to them and they said they received. Information without my consent from the credit bureaus. Im confused if Im paying on time as well as paid the cards off multiple times why am I and others being punished. It makes no sense

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This is for my XXXX, for my XXXX XXXX the account number that starts with XXXX, i was never late on any payments, and i have a XXXX balance. It says i have missed few payments in past but i never did. Please fix that as it states wrong on my credit report. I also stated that i want it closed, thats why its paid in full. Please fix the corrections on there because i was never late.than you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Dispute of Inaccuracies in Credit Report for XXXX XXXX  Account ( # XXXX ) Dear CFPB Representatives, I am writing to formally file a complaint regarding inaccuracies in my credit report for the following account : Creditor Name : XXXX XXXX  Account Number : XXXX Upon reviewing my credit report, I noticed multiple inaccuracies related to late payments reported for this account. These inaccuracies not only fail to reflect my payment history accurately but have also negatively impacted my credit score. 

Details of the Complaint 1. The late payments reported on this account do not match my personal records and appear to be inconsistent. 
2. I have previously attempted to resolve this matter directly with XXXX XXXX, but no corrections have been made to date. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my credit report is accurate and verifiable. If XXXX XXXX is unable to provide clear, documented evidence to validate the reported late payments, I am requesting that this account be entirely removed from my credit report. 

Requested Actions 1. I respectfully ask the CFPB to investigate this matter promptly. 
2. I request that XXXX XXXX be required to verify and correct any inaccurate information. 
3. If they can not provide sufficient documentation supporting the late payments, I demand the complete removal of this account from my credit report. 

I have attached the following documents to support my complaint : Copies of my credit reports with the disputed account highlighted. 


Thank you for your attention to 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Subject : Dispute of Inaccuracies in Credit Report for XXXX XXXX  Account ( # XXXX ) Dear CFPB Representatives, I am writing to formally file a complaint regarding inaccuracies in my credit report for the following account : Creditor Name : XXXX XXXX Account Number : XXXX Upon reviewing my credit report, I noticed multiple inaccuracies related to late payments reported for this account. These inaccuracies not only fail to reflect my payment history accurately but have also negatively impacted my credit score. 

Details of the Complaint 1. The late payments reported on this account do not match my personal records and appear to be inconsistent. 
2. I have previously attempted to resolve this matter directly with XXXX XXXX, but no corrections have been made to date. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my credit report is accurate and verifiable. If XXXX XXXX  is unable to provide clear, documented evidence to validate the reported late payments, I am requesting that this account be entirely removed from my credit report. 

Requested Actions 1. I respectfully ask the CFPB to investigate this matter promptly. 
2. I request that XXXX XXXX be required to verify and correct any inaccurate information. 
3. If they can not provide sufficient documentation supporting the late payments, I demand the complete removal of this account from my credit report. 

I have attached the following documents to support my complaint : Copies of my credit reports with the disputed account highlighted. 


Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Date : XX/XX/year> ] Consumer Financial Protection Bureau Subject : Complaint Against TransUnion for Incorrect Deletion of an Account Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding the improper deletion of one of my open accounts, which, notably, has a perfect payment history. According to my understanding, this act by TransUnion constitutes a violation of the Fair Credit Reporting Act ( FCRA ) as outlined in Title 15, Chapter 41, Subchapter III, 1681 of the U.S. Code. 

The specific provision at issue is the handling of consumer reports, which states that consumer reporting agencies must furnish accurate and comprehensive information about a consumer 's credit status. My account, which was deleted without cause, reflects positively on my creditworthiness and should contribute towards my credit evaluation. 

Here is a summary of the issue : - The account in question was in good standing, with timely payments and no negative marks. 
- This account contributes positively to my overall credit XXXX, affecting my credit score and my eligibility for future credit and insurance.

The deletion of this account may lead to an inaccurate portrayal of my credit history and has the potential to adversely affect my credit score. Thus, I ask that TransUnion rectify this error by restoring the account promptly and providing me with a corrected copy of my credit report.

Please investigate this matter and provide guidance on further actions to ensure compliance with consumer protection laws by TransUnion. For your reference, attached are copies of my credit report indicating the deletion and relevant documents confirming my history with the account. 

Thank you for your assistance in resolving this matter. I look forward to your prompt response. 

Sincerely,

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am writing to formally dispute the collection account reported on my credit report under the name LVNV Funding LLC ( I do not have any reference number and never received any letter ) for the amount of {$3600.00}. I have no knowledge of this account, have never conducted business with this company, and have never received any formal notice or correspondence regarding this alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am requesting : Debt Validation : Provide a detailed validation of the debt, including : A copy of the original agreement or contract that establishes the alleged debt. 
Evidence showing that I am the party responsible for this debt. 
A complete accounting of the alleged amount owed. 
Proof of Authorization : Clarify how my personal information was obtained, given that I have never had any business relationship or dealings with LVNV Funding LLC Data Access and Protection Compliance : Explain why this company has access to my personal information and confirm whether this was lawfully obtained and used in compliance with federal laws protecting consumer privacy. 

The inclusion of this unknown collection account on my credit report has caused me significant concern. It is imperative that this matter be investigated promptly. If your company can not validate the debt or provide the requested documentation, I demand that the account be removed from my credit report immediately. 

Please respond to this complaint within 30 days of receipt, as required by law. Failure to comply with this request will result in further action, including filing formal complaints with the Federal Trade Commission ( FTC ), the SEC, and any other relevant regulatory agencies. I may also explore legal remedies to protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Dispute of Inaccuracies in Credit Report for XXXX XXXX  Account ( # XXXX ) Dear CFPB Representatives, I am writing to formally file a complaint regarding inaccuracies in my credit report for the following account : Creditor Name : XXXX XXXX  Account Number : XXXX Upon reviewing my credit report, I noticed multiple inaccuracies related to late payments reported for this account. These inaccuracies not only fail to reflect my payment history accurately but have also negatively impacted my credit score. 

Details of the Complaint 1. The late payments reported on this account do not match my personal records and appear to be inconsistent. 
2. I have previously attempted to resolve this matter directly with XXXX XXXX, but no corrections have been made to date. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my credit report is accurate and verifiable. If XXXX XXXX  is unable to provide clear, documented evidence to validate the reported late payments, I am requesting that this account be entirely removed from my credit report. 

Requested Actions 1. I respectfully ask the CFPB to investigate this matter promptly. 
2. I request that XXXX XXXX  be required to verify and correct any inaccurate information. 
3. If they can not provide sufficient documentation supporting the late payments, I demand the complete removal of this account from my credit report. 

I have attached the following documents to support my complaint : Copies of my credit reports with the disputed account highlighted. 


Thank you for your attention to 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