vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
I have approximately 12 or 13 cash app accounts personal business and my daughters account. Someone keeps taking over my accounts changing cash tags, verification methods, and or closing after the money has been removed. Identity is verified on all but one and that one has been opened before verification was needed. Then there is obviously inv of privacy XXXX XXXX is evident in the names of XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: CBC Companies, Inc.
State: AZ

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXXXXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to conduct a reasonable investigation into the inaccurate information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 
I mailed a formal dispute letter to Equifax, disputing the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In my dispute letter, I specifically requested information on how Equifax verified the accuracy of these disputed items XXXX as they are reporting inaccurately. 
To ensure my identity was properly verified, I included : A copy of my government-issued ID My Social Security card Proof of address Despite my full compliance with the FCRAs requirements, Equifax failed to provide the requested verification details and continues to report these disputed accounts inaccurately. This is a clear violation of my consumer rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), which mandates that credit bureaus must conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of any item in their credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: IL

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 2025-02-03 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Here is the list of fraudulent inquiry : XXXX XXXX - XX/XX/2024

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2025-02-03 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:
XX/XX/XXXX Subject : Formal Complaint Regarding Violations of the FCRA and TILA by Credit Bureaus Reporting XXXX  Account Discrepancies Dear CFPB, I am writing to formally file a complaint regarding inaccuracies and violations of my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) related to the XXXX  account ( Account # XXXX ) reported by XXXX XXXX XXXX, and Equifax . 
Despite previously disputing this account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved. These inaccuracies are severely affecting my credit profile. I am requesting immediate corrective action and a thorough investigation in compliance with federal law. 

Account Details : Creditor Name : XXXX  Account Number : XXXX Date of Last Activity : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Balance Owed : {$1700.00} ( all bureaus ) Payment Status : Collection/Chargeoff ( all bureaus ) Creditor Remarks : XXXX : " Charged off as bad debt. Dispute resolved ; customer disagrees. '' XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' Equifax : " Consumer disputes after resolution. Charged off account. '' Credit Limit : XXXX : {$2500.00} XXXX : {$2500.00} Equifax : {$0.00} Violations of Federal Law : FCRA Violations 15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation of disputed information within the required time frame. 
15 U.S.C. 1681e ( b ) : Failure to maintain accurate and up-to-date information.

15 U.S.C. 1681c : Reporting outdated or erroneous payment histories and statuses.

15 U.S.C. 1681b : Improper use and reporting of my credit information.

TILA Violations Failure to disclose accurate information about the account status, balance, and charge-off details. 
Requested Resolution : Immediate deletion of the XXXX  account from my credit reports across XXXX, XXXX, and Equifax due to failure to verify its accuracy as required by FCRA. 
Written confirmation of the deletion within 15 days of receipt of this letter. 
A comprehensive explanation of the reinvestigation process and steps taken to address my dispute. 
Attachments : Copies of my dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Copies of my ID and Social Security card. 
Screenshots and documentation of inaccuracies from my credit reports. 
Failure to comply with these requests will result in further escalation, including legal action to protect my rights under the FCRA and TILA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
XX/XX/year> I called IC Systems more than once. They cant pull up the account. I was able to get information as to the address of where the service was rendered. It was listed in a city of XXXX GA.

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 2025-02-03 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against Experian for Failure to Resolve Issue Within 30 Days ( Complaint # XXXX ) To Whom It May Concern, I am formally escalating my complaint against Experian regarding its Boost program and failure to provide a resolution within the legally required timeframe. My original complaint ( # XXXX ) was submitted on XX/XX/year>, and Experian has failed to resolve the matter within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Experians response was a generic acknowledgment that they are still working on the issue, which is a clear attempt to sidestep compliance with the 30-day rule. Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), consumer reporting agencies are required to complete their investigation and provide a final determination within 30 daysnot simply acknowledge the issue and defer a resolution. 

Instead of rectifying the problem, Experian provided a long-winded response explaining the functionality of Experian Boost and its scoring limitations, none of which address the actual issue : My rent payments are not being properly categorized under Experian Boost despite clear documentation that they are recurring and from the same entity. 
Experian failed to acknowledge or correct this reporting inconsistency, even after my repeated complaints. 
Their response appears to be a stalling tactic rather than a legitimate investigation or resolution, which violates consumer protection laws. 
I am requesting that the CFPB take immediate action to : Hold Experian accountable for violating the 30-day resolution requirement and ensure they provide a final determination immediately. 
Investigate Experians failure to properly report rent payments under the Boost program, which is misleading consumers into believing their payments will help their credit when Experian refuses to recognize them. 
Determine if Experian is engaging in a pattern of non-compliance by delaying legitimate disputes without proper resolution. 
Experian has had ample time to investigate this issue, and their failure to provide a resolution is unacceptable. I urge the CFPB to enforce compliance and prevent Experian from using vague, noncommittal responses to evade their legal responsibilities. 

Please confirm receipt of this letter and provide an update on next steps. Thank you for your time and 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 explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-02-03 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MD

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have no debt in collections and have never had any debt in collections. They are calling daily and leaving voicemails, despite all of their numbers ( multiple phone numbers ) being blocked on my end. The harassment needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : My records indicate that this account is incorrectly showing six late payments, while my Equifax report reflects only one late payment. I do not agree with the results of your investigation. Therefore, I kindly request that you provide me with documentation proving your investigation process and evidence supporting the reported negative payment history on this account. If you are unable to verify this information, I ask that you remove the inaccurate late payments from my record immediately. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply concerned about the negative payment status on my account. I do not agree with this reporting and request statements showing the exact past due amount and the date this account became negative. I also disagree with the results of your investigation. Please send proof of your investigation and verification of this negative status or remove the inaccurate information from my credit report immediately. 

Inquiry : EQUIFAX CBNA XX/XX/year> These items are either inaccurately reported or have already been resolved, and I request a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

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 2025-02-03 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : My records indicate that this account is incorrectly showing six late payments, while my Equifax report reflects only one late payment. I do not agree with the results of your investigation. Therefore, I kindly request that you provide me with documentation proving your investigation process and evidence supporting the reported negative payment history on this account. If you are unable to verify this information, I ask that you remove the inaccurate late payments from my record immediately. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply concerned about the negative payment status on my account. I do not agree with this reporting and request statements showing the exact past due amount and the date this account became negative. I also disagree with the results of your investigation. Please send proof of your investigation and verification of this negative status or remove the inaccurate information from my credit report immediately. 

Inquiry : EQUIFAX CBNA XX/XX/year> These items are either inaccurately reported or have already been resolved, and I request a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

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 2025-02-03 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: NY

Complaint narrative:
I RECENTLY REVEIW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received a call today stating I had a credit card thruXX/XX/XXXXXXXX since 2022. I have never had a credit card in my life. They said there was recently a transaction for $ XXXX. ** made recently. Told them it wasnt me and that I would file fraud. Ive also been hit thru my checking account a few times this past year. I receive XXXX. And have no reason to have a credit card now at the XX/XX/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 2025-02-03 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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