vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
AFTER RECENTLY GOING OVER MY CREDIT REPORT I LEARNED THAT I AM A VICTIM OF IDENTITY THEFT, AS A RESULT OF THAT, MY CREDIT HAS BEEN AFFECTED TREMENDOUSLY DUE TO ALL OF THE FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT. PER THE CONSUMER LAW, WHEN A IDENTITY THEFT REPORT OR A POLICE REPORT HAS BEEN PRESENTED THE ACCOUNT MUST BE REMOVED FROM ONES CREDIT FILE IMMEDIATELY. ATTACHED YOU WILL FIND AN IDENTITY THEFT REPORT. PLEASE REMOVE ALL FRAUDULENT ACCOUNT, INQUIRIES, AND ADDRESS IMMEDIATELY PER THE CONSUMER LAW RIGHTS. 

ADDRESS ARE : XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV 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 2025-02-01 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: MD

Complaint narrative:
I

am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experians 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 Experian complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts I want removed : 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 explanation
Consumer complaint received 2025-02-01 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: MD

Complaint narrative:
I

am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experians 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 Experian complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts I want removed : 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 2025-02-02 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:
The accounts attached below are inaccurate. Through XXXX and experian. Including XXXX XXXX XXXX XXXX, XXXX XXXX and 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 2025-02-01 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: WA

Complaint narrative:
Hi, over the last week I've been looking over my credit repot and noticed many inaccuracies on my account. This account is hurting my ability to obtain credit. I've done some research and it is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : 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 2025-02-02 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:
On XX/XX/2025, I applied for a XXXX XXXX XXXX XXXX under my business, XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX | XXXX  : XXXX ). I specifically requested that the application be processed under my business entity only, using its XXXX, and explicitly did not provide my Social Security Number ( SSN ) or authorize a personal credit check. 

Despite this, after leaving the store, I received a notification that XXXX XXXX  conducted a hard inquiry on my personal TransUnion credit report without my authorization. This inquiry was improper and unauthorized, as the application was intended solely for my business and should not have involved a personal credit check. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), a credit report may only be accessed with the consumers explicit consent or for a permissible purpose. Since I did not apply personally or provide my SSN, this inquiry was an impermissible access to my personal credit file.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX : XXXX XXXX  Account Number : XXXX Please remove it from my credit report. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX : XXXX XXXX Account Number : XXXX. Please remove it from my credit report. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I 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 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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
This is a resubmission of my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( EFTA the CFPB 's lawsuit filed 12/20/24 ( Ca-cv-03652-SMB ), Zelle failed to implement adequate fraud prevention measures and investigate consumer claims, resulting in over {$870.00} XXXX in documented fraud losses. Your claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial institutions must conduct reasonable investigations of reported errors. My complaint warrants a proper investigation, not dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
Dear Dispute Resolution Team, I am writing to formally dispute the accuracy of credit report information regarding the account with XXXX XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, I request a thorough investigation into the disputed entries listed on my credit report. 

Account Details : Account Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$22000.00} Status : Charged off with {$4400.00} past due as of XX/XX/year> Disputed Entries and FCRA Compliance : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that the credit reporting agencies promptly investigate disputed information from consumers and correct or delete any inaccurate, incomplete, or unverifiable information.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) mandates that furnishers of information provide accurate and complete information to the credit reporting agencies.

Detailed Requests for Compliance : Investigation Method : Please describe the procedures used in your investigation, consistent with FCRA requirements. 
Documentation and Evidence : I request copies of all documents, records, and other evidence sourced from the furnisher during your investigation. 
Contact Information : Please provide contact details for the furnishers involved, allowing me to verify the information independently. 
Results of the Investigation : A detailed report of the investigation 's findings is requested, along with an explanation of the determination. 
Updated Credit Report : Should changes occur based on the investigation findings, a free copy of my updated credit report is requested post-correction.

Compliance Assurance : Confirm that all investigation procedures adhere strictly to the stipulated FCRA guidelines. 
Written Confirmation : Documentation of each phase of the investigation, including initiation, intermediary communications, and conclusion dates, is requested. 
Attached are relevant documents supporting my dispute. This matter requires urgent attention, and I expect a resolution within the 30-day timeframe specified by the FCRA. 

Thank you for your prompt attention to this important issue. I look forward to your detailed response and a resolution that accurately reflects my credit history. 

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
Consumer complaint received 2025-02-02 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: NY

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to conduct reasonable investigations into the disputes I have submitted regarding inaccuracies on my credit report. Despite my repeated submissions, all three credit reporting agencies consistently respond within 24 hours, asserting that the disputed account information is accuratewithout providing any substantive evidence that a thorough investigation has been conducted.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to perform a reasonable investigation of disputed information. Additionally, their conduct may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the Consumer Financial Protection Bureaus recent administrative proceeding ( File No. 2025-CFPB-0002 ) against one of these agencies for similar infractions.

I respectfully request that the CFPB take appropriate action to ensure Equifax, Experian, and TransUnion comply with federal law and provide consumers with adequate proof that legitimate investigations have been conducted in response to credit report disputes. 


These are the accounts, addresses, phone numbers, & inquiries I want to be purged and permanently deleted. 

Experian Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX  XXXX bankruptcy discharged Reference number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX Trans Union  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XX/XX/XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX  XXXX BANKRUPTCY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-01 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: SC

Complaint narrative:
I am writing to formally dispute the claims of civil liability for negligence under section 6081-o as outlined in the notice I received from Equifax on XX/XX/2025. 

The claims made in the notice are, I believe, inaccurate and do not comply with the legal requirements as stipulated in section 6081-o. I have attached the necessary documentation and evidence that demonstrate compliance with all relevant laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IN

Complaint narrative:
This CEPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the fraudulent, inaccurate, and false information. The accounts ( XXXX XXXX Account : XXXX and XXXX XXXX account : XXXX ) which I do not recognize or have ever done business with referred accounts and or collections as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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:
I have not supplied under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX BANKRUPTCY XXXX acct # 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 2025-02-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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.

Please remove this account from all my credit reports as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NM

Complaint narrative:
I can not access my account in order to pay my bill. The company is XXXX XXXX XXXX which seems to be a child company of Concora Credit. The website I try to use is XXXX which looks to be managed through XXXX XXXX XXXX. Long story kept short, it will not let me login through the website ( gives me an error each time ), nor can I reach them over the phone. That number is XXXX. I get a busy signal. Apparently there is a XXXX XXXX XXXX app but it is not available in the US? Everything I try to lookup about XXXX XXXX XXXX brings me to a company in the XXXX. The account has been closed for some time but I was still making the monthly payments. This all started about 2 months ago when I was unable to login online to my account. I was still able to call and make payments over the phone but that has stopped working as well. I just received correspondence from them in the mail regarding my bill. I am able to mail in my payment but I do not feel comfortable doing so without access to my account online or over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Back in XXXX an account was opened in my name through Navy Federal with a credit line of XXXX. During that time I knew that I was applicable of even opening an account through Navy Fed due to the requirements needed and how my credits wasnt up to par if even receiving a XXXX credit limit. Now in XXXX my checks are being garnished due to be forced to pay off this debt. Its to the point where its interfering with me paying my bills and I just want it to end. I want to know what documents do they have that can prove that I authorized this account without talking to anyone in person and I also want to see if I may have a lawsuit on my hands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
So if I Bank initially contacted me because there was a suspicious transaction on my account so they froze my account. Once I got communication of what they did I contacted them by phone and they identified a specific transaction that seems suspicious to them I told them that was a legitimate transaction where I received funds from my HELOC loan from the mortgage lender and they needed further information they asked for that lender 's phone number I provided that phone number on Thursday XX/XX/XXXX and they told me that they would have to review the phone number I gave them to see if it was a legitimate transaction or not after I told him it was. They initially told me it was going to take 24 hours and I was going to be reached by someone from the fraud department I have not since received word from them I have called them every single day asking to unfreeze my account I can not access my funds I need to pay my rent and they are unwilling to unfreeze my accounts even after I told them that that specific transaction is a legitimate transaction. I am attaching a screenshot of the transaction that I told them is legitimate.

Company response to consumer: Closed with explanation