vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

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 2025-01-22 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: NV

Complaint narrative:
Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX  creidt reporting agency as well as Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft, a databreach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX XXXX account number : XXXX, opened on XX/XX/XXXX. This accounts has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question HERE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX 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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FC HoldCo LLC
State: IN

Complaint narrative:
On XXXX XXXX I recently been trying to apply for a loan to purchase a car. I have no idea on why Im being denied but I have reported repo on my credit that I wish isnt aware for that to still be on my 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 2025-01-22 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 several accounts that appear on my credit report, which I believe are inaccurate and have not been properly addressed despite my previous requests for removal. I kindly request that these accounts be removed from my credit file immediately. 

The following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously submitted requests for deletion of these items, and I have provided evidence supporting my claims. However, these accounts have not been removed from my credit report. This ongoing issue has not been resolved, despite clear documentation proving that these entries are either inaccurate. 

As I have already provided sufficient proof and have followed the proper procedures, I request that these items be removed from my credit report without further delay. If this matter is not resolved promptly, I will be forced to escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for further action. 

Please review my credit file and conduct a full investigation as per the Fair Credit Reporting Act. If these accounts can not be validated or verified, I demand their immediate removal from my credit report. 

I expect a timely resolution and look forward to your response. Please notify me of the outcome of your investigation as soon as possible. 

Thank you for your prompt 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 2025-01-22 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: IL

Complaint narrative:
I am writing to formally dispute several accounts that appear on my credit report, which I believe are inaccurate and have not been properly addressed despite my previous requests for removal. I kindly request that these accounts be removed from my credit file immediately. 

The following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously submitted requests for deletion of these items, and I have provided evidence supporting my claims. However, these accounts have not been removed from my credit report. This ongoing issue has not been resolved, despite clear documentation proving that these entries are either inaccurate. 

As I have already provided sufficient proof and have followed the proper procedures, I request that these items be removed from my credit report without further delay. If this matter is not resolved promptly, I will be forced to escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for further action. 

Please review my credit file and conduct a full investigation as per the Fair Credit Reporting Act. If these accounts can not be validated or verified, I demand their immediate removal from my credit report. 

I expect a timely resolution and look forward to your response. Please notify me of the outcome of your investigation as soon as possible. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-01-22 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the reporting of a charge-off on my credit report. Upon reviewing my credit file, I noticed that the account listed under XXXX  with account number # XXXX opened on XX/XX/year> still shows a balance. According to the Fair Credit Reporting Act ( FCRA ), information reported to the credit bureaus must be accurate and verifiable. As you are aware, once an account is charged off, the creditor should not continue reporting a balance unless the balance has been paid in full or settled. The continued reporting of this charge-off with an outstanding balance is misleading and violates my rights under the FCRA. Please be advised of the following : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute any information on my credit report that is inaccurate or incomplete. Section 611 ( a ) ( 1 ) of the FCRA also mandates that credit bureaus investigate disputed information and correct or remove any inaccuracies within 30 days. 2. Fair Debt Collection Practices Act ( FDCPA ) : If this account is being managed by a collection agency, please ensure that they are also in compliance with the FDCPA, which prohibits misleading or false representations regarding the amount or legal status of a debt. I am requesting that you investigate this charge-off, correct the balance reported, and provide me with documentation verifying the accuracy of this charge-off. If the creditor is unable to substantiate the balance or the charge-off status, I request that the balance be removed from my credit report entirely. Please send me written confirmation that this dispute is being investigated, and that the necessary corrections will be made in accordance with the law. Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-01-22 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:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the reporting of a charge-off on my credit report. Upon reviewing my credit file, I noticed that the account listed under XXXX  with account number # XXXX opened on XX/XX/year> still shows a balance. According to the Fair Credit Reporting Act ( FCRA ), information reported to the credit bureaus must be accurate and verifiable. As you are aware, once an account is charged off, the creditor should not continue reporting a balance unless the balance has been paid in full or settled. The continued reporting of this charge-off with an outstanding balance is misleading and violates my rights under the FCRA. Please be advised of the following : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute any information on my credit report that is inaccurate or incomplete. Section 611 ( a ) ( 1 ) of the FCRA also mandates that credit bureaus investigate disputed information and correct or remove any inaccuracies within 30 days. 2. Fair Debt Collection Practices Act ( FDCPA ) : If this account is being managed by a collection agency, please ensure that they are also in compliance with the FDCPA, which prohibits misleading or false representations regarding the amount or legal status of a debt. I am requesting that you investigate this charge-off, correct the balance reported, and provide me with documentation verifying the accuracy of this charge-off. If the creditor is unable to substantiate the balance or the charge-off status, I request that the balance be removed from my credit report entirely. Please send me written confirmation that this dispute is being investigated, and that the necessary corrections will be made in accordance with the law. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sentry Credit, Inc.
State: NC

Complaint narrative:
Sentry Credit contacted me about an unpaid medical debt from the XXXX XXXX XXXX XXXX XXXX  totaling {$130.00} in XXXX of XXXX. This was a surprise to me, because correspondence had been spotty as I moved from XXXX  to XXXX XXXX  during XXXX of XXXX  and also suffered credit fraud in the same period. 

I contacted Sentry Credit to verify the debt, and checked with the XXXX XXXX XXXX medical system. I found I had a small balance, far less than {$130.00}, and paid it directly with the XXXX XXXX XXXX XXXXXXXX XXXX. However, Sentry Credit did not respond to my request for verification and thus I can not validate their debt. 

Meanwhile, Sentry Credit illegally reported this debt to all three credit agencies, impacting my credit. First, the debt has not been verified. Second, medical debt < {$500.00} is illegal to report to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a XXXX XXXX and I received a job offer to my email it was a mass sent out email to all students at the school. I started the hiring process providing basic information that you would give for a job. They told me that I would need equipment and I received a check to my email from another email. They told me to deposit the check and get in contact with them. They stated to make any purchase needed to get my position. I cashed the check and they gave me the funds. My account was over drafted because they said the check was bad. I filed a claim and I was part of a scam. They said they were going to investigate and get back to me. I continued to call them and they said they were not going to give me any information. They stated that they found the account linked to a XXXX XXXX account. They said XXXX XXXX would be the ones to give the money back but they said that XXXX XXXX was not able to get the funds because the account was closed or there were not enough funds in my account to get the funds. They stated that they could not further assist me and they did not offer a credit or any assistance to help with getting my money back on my account. My account is now in over draft they are not willing to help me and I feel like that they are not communicating enough with XXXX XXXX with getting my funds back. Bank of America has now closed my account and cleared the balance but I havent received the money back that was originally in my account of 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 2025-01-22 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:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Experian violations of the Fair Credit Reporting Act ( FCRA ), specifically related to improper investigation of disputes ( 15 U.S.C. 1666b ) and inaccurate credit reporting. Below are the details of my complaint : 1. Failure to Investigate Disputes Properly On XX/XX/XXXX, I sent a dispute to Experian via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite having received my dispute, neither Experian nor XXXX responded, nor did they mark the disputed account as " in dispute, '' as required by law ( 15 U.S.C. 1681i ( a ) ( 3 ) ). This constitutes a clear violation of the FCRA, which mandates that credit reporting agencies must conduct a reasonable investigation and notify the consumer of the results. 
2. Inaccurate Reporting The account in question has discrepancies between reporting agencies. Specifically, XXXX lists the account 's open date as XX/XX/XXXX, while Experian incorrectly reports XX/XX/XXXX. This inconsistency violates FCRA 's accuracy requirements under 15 U.S.C. 1681e ( b ), which obligate credit bureaus to ensure the maximum possible accuracy of information in credit reports. 
3. Pattern of Non-Compliance This is not an isolated incident but rather part of a broader pattern of non-compliance by Experian and XXXX. The CFPB has previously imposed fines on these credit reporting agencies for similar violations, demonstrating a consistent disregard for their legal obligations and consumers ' rights. My case serves as an example of the detrimental effects of such negligence. 
I urge the CFPB to hold Experian accountable for their non-compliance and ensure that these practices are addressed to protect other consumers. 
Supporting evidence, including the certified mail receipt and my original dispute letter, is attached for reference.

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 2025-01-22 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 2025-01-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I am writing to formally dispute the reporting of a charge-off listed on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). This dispute is being submitted in light of the recent CFPB v. XXXX case, which found that XXXX failed to properly investigate and correct errors in credit reports, particularly regarding charge-offs and other negative entries. 

Details of the Disputed Charge-Off : Creditor Name : XXXX XXXX Account XXXX XXXX XXXX Balance : {$5000.00} Creditor Name : XXXX Account Number : XXXX Balance : {$4400.00} According to the findings in CFPB XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ) alleged that XXXX had systematically violated the FCRA by failing to thoroughly investigate disputes and by continuing to report inaccurate information about consumer accounts. Specifically, XXXX was accused of not fully verifying the accuracy of negative items like charge-offs, even after they were disputed by consumers. This case is directly relevant to my current situation, as I believe this charge-off is inaccurate, and XXXX has not conducted a sufficient investigation to resolve the matter. 

In light of the ruling, I am requesting that XXXX : Conduct a full and fair investigation of the charge-off in question and verify its accuracy with the original creditor and send me a copy of a contract with my wet ink signature and account information with full payment history. 

Remove or correct the charge-off entry if found to be inaccurate or improperly reported, in compliance with the requirements of the FCRA. 
Provide me with written confirmation that the charge-off has been investigated, and if applicable, an updated credit report reflecting the necessary corrections. 

The CFPB v. XXXX case highlights the importance of credit reporting agencies adhering to their legal obligations to ensure that all information they report is accurate, complete, and verifiable. Given this, I expect XXXX to fully comply with the regulations and rectify this charge-off on my credit report if it is found to be inaccurate. 

I would appreciate your prompt attention to this matter and a timely resolution. Should this issue not be addressed satisfactorily, I will not hesitate to file further complaints with the CFPB or take additional legal steps. 

Thank you for your cooperation. 

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 non-monetary relief