vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: TN

Complaint narrative:
XXXX XXXX is reporting incorrectly to my XXXX Credit Bureaus as far as late payments for the months of XXXX and XXXX. I have contacted them and let them know that the dealer they had for my area went out of business and the automatic payments that were set up got stopped and as soon as I was notified that my payments werent coming out from Corporate XXXX then I proceeded to set up automatic payments again to resolve the issue. I do not believe this is my fault the dealer went out of business and my payments were stopped and I resolved the issue as soon as I was notified and have been trying to get them to fix the reporting on my credit report in order to make the issue correct with no such luck.

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 2025-01-29 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: TN

Complaint narrative:
XXXX XXXX is reporting incorrectly to my XXXX Credit Bureaus as far as late payments for the months of XXXX and XXXX. I have contacted them and let them know that the dealer they had for my area went out of business and the automatic payments that were set up got stopped and as soon as I was notified that my payments werent coming out from Corporate XXXX then I proceeded to set up automatic payments again to resolve the issue. I do not believe this is my fault the dealer went out of business and my payments were stopped and I resolved the issue as soon as I was notified and have been trying to get them to fix the reporting on my credit report in order to make the issue correct with no such luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
XXXX XXXX is reporting incorrectly to my XXXX Credit Bureaus as far as late payments for the months of XXXX and XXXX. I have contacted them and let them know that the dealer they had for my area went out of business and the automatic payments that were set up got stopped and as soon as I was notified that my payments werent coming out from Corporate XXXX then I proceeded to set up automatic payments again to resolve the issue. I do not believe this is my fault the dealer went out of business and my payments were stopped and I resolved the issue as soon as I was notified and have been trying to get them to fix the reporting on my credit report in order to make the issue correct with no such luck.

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 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: OH

Complaint narrative:
I am disputing the collection account from Revitalize Fitness as I was never notified of any unpaid balance before it was sent to collections. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive proper notification and validation of any debt reported against me. Revitalize Fitness failed to provide me with any notice or opportunity to resolve the balance before taking this action, which has unfairly impacted my credit. Because I was not given due process to address this debt, I request that this collection account be removed from my credit report. 

Additionally, Aldous, the collection agency handling this debt, never notified me of the collection before reporting it to XXXX. Under the FDCPA, they were legally required to send me a written notice within XXXX days of their first collection attempt, informing me of the debt and my right to dispute it. Since I was never contacted and only discovered this account on my credit report, this is a violation of my rights. Due to these failures in proper notification, I request that this collection account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-29 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 disputes regarding inaccuracies in my credit report. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: VA

Complaint narrative:
My information was leaked in the data breach in identity theft. I contacted companies and asked for verification letters and I asked for them to remove the reports. Under section 605b they should have removed them. Can you please help me get these reports removed

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 2025-01-29 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: VA

Complaint narrative:
My information was leaked in the data breach in identity theft. I contacted companies and asked for verification letters and I asked for them to remove the reports. Under section 605b they should have removed them. Can you please help me get these reports removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a *XXXX account and XXXX XXXX XXXX XXXX account XXXX These accounts are the result of debt bondage, I have not given consent for these accounts and I am requesting that they be removed immediately. I have attached all pertinent information regarding these accounts.

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 2025-01-29 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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 filing a complaint against Equifax for failing to properly investigaie 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 the account is accurate, without providing any evidence di a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 2025-01-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX XXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Ava Finance, Inc
State: PA

Complaint narrative:
Hello, I am contacting the CFPB because Im having a problem with Ava finance I will label them out in exact order of how this happened 1. I realized by looking at my consumer reports, that they were not reporting correctly to all XXXX agencies 2. I contacted and spoke with a man named XXXX from customer service through email and explained the situation and that they were not doing their jobs 3. Now magically my auto payment was not taken out even though it is taken out every month for over a year 4. So I go on my app and pay it manually so that I dont occur any late payments you know like a person should do 5. Payment says being processed on their app 6. Now theyre emailing me repeatedly saying my payment is XXXX days late even though I paid it manually and it says processing on their app 7. Now I am emailing them to fix this problem theyre main support email and the man XXXX again and my husband has called for me and now no one can help us So heres why I am contacting you to do the job our great government has given you to uphold I have perfect credit and if they do something to tarnish my credit they themselves will be the target of legal action So I am asking you to have them fix their wrong doings Now that I have contacted you about this situation you are just as liable as they are seeing as though it is your job to govern these companies Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
im in the process of purchasing a home and it was brought to my attention that my loan account with boa was reported late in XXXX and XXXX. XXXX this is not true. this is my second loan with them and both were on auto pay

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I requested that the credit bureaus remove a bankruptcy from my report in year 2020. In response, they stated that the information XXXX have been verified by various reporting agencies, including XXXX, TransUnion, and XXXX. However, each of these agencies provided vague responses, claiming the information was verified by another agency without specifying which one. They used unclear language such as may have been verified rather than providing a definitive source of verification. Ultimately, they refused to investigate further. I sent a copy of a letter received from the court they listed on my credit report and the letter stated that " the courts does not report public records to any reporting agencies. I have provided this letter previously to this CFPB. There are also collection accounts that have not been verified and shows on my report. I would also like to state that my personal information including social security number, personal home address and telephone number has been compromised due this agency. I have been notified that my information is on the dark web.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested that the credit bureaus remove a bankruptcy from my report in year XXXX. In response, they stated that the information may have been verified by various reporting agencies, including XXXX, XXXX, and Equifax. However, each of these agencies provided vague responses, claiming the information was verified by another agency without specifying which one. They used unclear language such as may have been verified rather than providing a definitive source of verification. Ultimately, they refused to investigate further. I sent a copy of a letter received from the court they listed on my credit report and the letter stated that " the courts does not report public records to any reporting agencies. I have provided this letter previously to this CFPB. There are also collection accounts that have not been verified and shows on my report. I would also like to state that my personal information including social security number, personal home address and telephone number has been compromised due this agency. I have been notified that my information is on the dark web.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I opened my PNC bank cash reward business credit card on XX/XX/year>, business name : XXXX XXXX, and I spent {$8800.00} using this cash reward credit card on XX/XX/year>, the transaction was code as purchase, but I didnt receive1.5 % cash back per credit card agreement and I didnt receive {$600.00} bonus. Per PNC bank cash reward business credit card promotion condition, if I spent {$6000.00} within 3 month of account opening, I will receive {$600.00} bonus. 

Please investigate this issue and deposit {$600.00} bonus and cash back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm extremely disappointed with the lack of accuracy in my credit report. I had expected a higher level of diligence and attention to detail. These errors are causing me significant inconvenience and financial harm.

Company response to consumer: Closed with non-monetary relief