vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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 XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
Several accounts were previously disputed but have since been verified or reinstated on my credit report without proper investigation. I believe these actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( B ).

Under FCRA Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information to determine its accuracy. Furthermore, under Section XXXX ( a ) ( XXXX ) ( B ), any information that can not be verified after a proper investigation must be deleted or corrected. The accounts in question were reinstated without me being provided evidence of their verification, and no substantive investigation appears to have been conducted. 

According to the Consumer Financial Protection Bureau ( CFPB ), several credit reporting agencies, including Equifax, have been penalized in the past for failing to comply with these FCRA requirements. Specifically, the CFPB has taken action against agencies that rely on automated processes rather than thorough investigations, thereby neglecting their obligations under the law. These violations undermine consumer rights and lead to inaccurate credit reporting. 

This practice also 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 ( XXXX XXXX XXXXXXXX ) 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. 

Eqifax is also required to send a payout at all consumers theyve violated. 
Heres the accounts in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
I have been a victim of identity theft and have noticed some unauthorized accounts on my credit report. XXXX XXXX are currently in XXXX status, so there should be XXXXXXXX XXXX XXXX appearing on my credit reports until I have started paying on them, when I graduate in XXXX This is hurting my chances at obtaining a new home or mortgage. Please remove these accounts from my report immediately, as well as any old inquiries.

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 2025-01-28 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: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Subject : Dispute of False Debt on Credit Report Dear Sir/Madam, I am writing to formally dispute a debt that has been reported inaccurately on my credit report. I recently reviewed my credit report and found an entry that I believe is incorrect. The debt is listed under XXXX XXXX XXXX XXXX XXXX XXXX and reported as {$1200.00}, with an account number of XXXX. 

I have never had any dealings with XXXX XXXX XXXX XXXX XXXX XXXX, and I believe this account to be a mistake or potential fraud. I request that you investigate this matter and remove this incorrect entry from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate the disputed information and respond within 30 days. I ask that you please update my credit report to reflect the accurate information as soon as possible. 

Please confirm receipt of this letter and inform me of the status of your investigation. If you need any additional information or documentation, feel free to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-01-28 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 filling a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financia Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measured 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 regulations 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 2025-01-28 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: CA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 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: CA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 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: OH

Complaint narrative:
Equifax 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 Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax 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 Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Subject : Dispute of Violation of FCRA 1681o ( Willful Noncompliance ) Dear Sir/Madam, I am writing to formally dispute the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, regarding your failure to properly address my dispute within the required time frame and in compliance with the provisions of the FCRA.

The details of the disputed item ( s ) are as follows : Collections Late payments Bankruptcy I submitted a dispute and despite the 30-day investigation period required under FCRA, I have not received a resolution or response, violating my rights under FCRA Section 1681o. '' ] Under FCRA Section 1681o, I am entitled to seek redress if your failure to comply with the FCRA was willful, causing me harm or injury. I am requesting that you investigate the dispute once again in full compliance with the FCRA, or I may consider pursuing further legal action for any damages I may have incurred as a result of your failure to properly investigate Thank you for your attention to this matter. I expect a prompt resolution in line with the law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
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 2025-01-28 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: SC

Complaint narrative:
I reviewed my credit file and noticed accounts that did not belong to me. I firmly believe these have been caused due to the data breach equifax had and numerous other issues. These account do not belong to me.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax, and XXXX delete and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due to the data breach from Equifax which also caused my information to be exposed. 

The following are accounts that are fraudulent XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX. 

XXXX opened on XX/XX/XXXX under the account number XXXX. 

XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX  account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX account # XXXXXXXXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX  account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. 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 filed a report with the FTC Identity Theft Criminal. As proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Request for Verification, Method of Validation, and Deletion of Collection Accounts Dear Sir/Madam, I am disputing the accuracy of several accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate or unverifiable information. If these accounts can not be fully verified within the legally required 30-day timeframe, I request their immediate deletion from my credit report.

Additionally, as provided under FCRA Section 611 ( a ) ( 7 ), I am requesting the method of validation for each disputed account, including : The name of the person or organization contacted during the investigation. 
The specific steps taken to verify the information. 
Copies of all documentation relied upon to confirm the accuracy of the information. 
Disputed Account Details : Account Number : XXXX XXXX Creditor Name : XXXX XXXX XXXX Account Status : XXXX  ( Closed ) Original Creditor Name : XXXXXXXX XXXX XXXX XXXX Balance : {$470.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Account Number : XXXX XXXX Creditor Name : XXXX XXXX Account Status : XXXX  Original Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Creditor Name : XXXX Account Status : XXXX  Original Creditor Name : XXXX XXXX : {$410.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Requested Actions : Validation : Please provide evidence for each account, including : Proof of ownership and authority by the current creditor or collection agency. 
A signed agreement or contract with the original creditor. 
A complete payment history, including the balance calculation. 
Method of Validation : Provide the name of the furnisher of information, the specific steps taken to verify the information, and copies of any documentation relied upon during the investigation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have a debt consoldation working on some of my accounts. There has been XXXX party collection on my credit. There is also old information on my report keeping my credit score way down. I also would like to know if XXXX  XXXX used my info wrong and im on the lawsuit? 
Also i would like to know if im on the list for XXXX, eqifax, and the other credit reporting agency i just cant think of it right now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have a debt consoldation working on some of my accounts. There has been 3rd party collection on my credit. There is also old information on my report keeping my credit score way down. I also would like to know if XX/XX/XXXXused my info wrong and im on the lawsuit? 
Also i would like to know if im on the list for experian,XX/XX/XXXX and the other credit reporting agency i just cant think of it right now

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 2025-01-28 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: NJ

Complaint narrative:
There are 4 late payments reported on my XXXX XXXX XXXX XXXX account from XX/XX/scrub> 2023, XX/XX/scrub> 2023, XX/XX/year>2023, and XX/XX/year>2023. This information is incorrect. These payments were all made on time.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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