vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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. 
Despite my submissions, Equifax consistently responds within XXXX 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 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 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed for X amount of money and never got a response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: OH

Complaint narrative:
Trans union 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 Transunion, 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 Trasunion has neither corrected nor removed. 
Transunion, 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 Transuion 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 Transunion 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 2025-01-24 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 propery 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. 
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 of a thorough investigation.

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

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

XXXX XXXX XXXX XXXX {$1400.00} - XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  DEPARTMENT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  DEPARTMENT OF XXXX : $ XXXX XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX : $ XXXX XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX : $ XXXX XX/XX/XXXX -US DEPARTMENT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX DEPARTMENT XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX -US DEPARTMENT XXXX XXXX : $ XXXX XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX : $ XXXX XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX : $ XXXX XX/XX/XXXX -US DEPARTMENT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Department of XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$26000.00} Open : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX : {$780.00} Open : XX/XX/XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} Open : XX/XX/XXXX Account : XXXX Extra Account XXXX Open XX/XX/XXXX XXXX XXXX XXXX XXXX Account : Open : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Account : XXXX Open : XX/XX/XXXX Balance {$2500.00} XXXX XXXX  Account : XXXX Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account : XXXX Open : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} Account XXXX Open XX/XX/XXXX Acceptance Now Balance {$0.00} Open XXXX XXXX Account XXXX XXXX Balance {$0.00} Open XX/XX/XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Open XX/XX/XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} Open XX/XX/XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX : {$4600.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$250.00} Open : XX/XX/XXXX Account : XXXXXXXX XXXX Balance : {$1000.00} Open : XX/XX/XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$150.00} Open : XX/XX/XXXX Account : XXXX Diversified Balance : {$1000.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$390.00} Open : XX/XX/XXXX Account XXXX XXXX XXXX : {$740.00} Open : XX/XX/XXXX Account : XXXXXXXX XXXX Balance : {$4600.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$330.00} Open : XX/XX/XXXX Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance {$26000.00} Open : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX : {$780.00} Open : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} Open : XX/XX/XXXX Account : XXXXXXXX XXXX Account XXXX Open XX/XX/XXXX XXXX XXXX XXXX XXXX Account : Open : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Account : XXXX Open : XX/XX/XXXX Balance {$2500.00} XXXX XXXX Account : XXXX Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account : XXXX Open : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} Account XXXX Open XX/XX/XXXX XXXX XXXX XXXX {$0.00} Open XXXX XXXX Account XXXX XXXX  Balance {$0.00} Open XX/XX/XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Open XX/XX/XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Open XX/XX/XXXX Account XXXX XXXX at XXXX XXXX XXXX : {$4600.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$250.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$1000.00} Open : XX/XX/XXXX Account : XXXX TransUnionXXXX XXXX XXXX XXXX XXXXXXXX : {$150.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$1000.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$390.00} Open : XX/XX/XXXX Account XXXX XXXX XXXX : {$740.00} Open : XX/XX/XXXX Account : XXXX XXXX  Balance : {$4600.00} Open : XX/XX/XXXX Account : XXXX XXXX Balance : {$330.00} Open : XX/XX/XXXX Account : 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 2025-01-24 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. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 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. ( XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: WA

Complaint narrative:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere. My credit score is being negatively affected by accounts that arent even finalized, and its completely unfair.

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 2025-01-24 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint against transUnion, for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, transUnion 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, XXXX '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 Under the Fair Credit Reporting Act ( FCRA ), Section 16810 of Title 15 of the U.S. Code outlines the procedures and penalties related to willful noncompliance by credit reporting agencies.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these discrepancies and provide a resolution within the required 30-day period. Please also provide me with a copy of any documents or evidence used to validate the information, if applicable.

Please note that under Section 16810 of the FCRA, failure to correct or delete inaccurate information after your investigation could result in penalties for willful noncompliance.

I request that the disputed information be corrected or removed from my credit report at your earliest convenience.

Kindly notify me of your findings in writing and provide an updated copy of my credit report upon completion of your investigation. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/year> by XXXX XXXX XXXX. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ).

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 explanation
Consumer complaint received 2025-01-24 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:
Complaint Against Equifax for Failure to Investigate Disputed Accounts in Accordance with FCRA and CFPA I am filing this complaint against Equifax due to its failure to conduct reasonable investigations into disputes I have submitted concerning inaccuracies on my credit report. Despite providing detailed documentation and information to support my claims, Equifax has repeatedly responded within 24 hours, asserting the accuracy of the accounts in question without demonstrating evidence of a thorough investigation.

This conduct constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which explicitly requires credit reporting agencies to perform a reasonable investigation of disputed information. Equifaxs failure to meet this obligation has resulted in the continued reporting of inaccurate information, causing undue harm to my credit profile and financial well-being.

Furthermore, Equifaxs actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), by engaging in practices that are unfair and deceptive. The lack of meaningful investigation undermines the accuracy and integrity of its credit reporting practices and fails to uphold the rights of consumers, as outlined by federal law.

The following accounts are being disputed for reporting inaccurate late payments : XXXX Charge Card Account # : XXXX Opened : XX/XX/XXXX Balance : {$71.00} XXXX  Charge Card Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$910.00} XXXXXXXX XXXX XXXXXXXX Credit Card Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2000.00} I respectfully request that the CFPB investigate Equifaxs handling of disputes, ensure compliance with both the FCRA and CFPA, and address these deficiencies in their processes. Furthermore, I request the removal of inaccurate late payments from the accounts listed above, as these errors continue to negatively impact my financial standing. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
We received an overdue tax payment notice from the XXXX XXXX XXXX with an additional late charge as a penalty. Property taxes of XXXX XXXX XXXX XXXX XXXX ( {$3300.00}, biannually, for a total of {$6700.00} ) are to be paid biannually by escrow through Shellpoint Mortgage Servicing, but this had not occurred. DC assesses additional financial penalties as well as interest charges on unpaid taxes. 


On XX/XX/XXXX, we spoke to Shellpoint customer service and escrow representatives and emailed the tax bill reflecting : ( XXXX ) Shellpoints non-payment of property taxes and ( XXXX ) the additional charges for non-payment of taxes. 


We stated we should not be charged the additional amount for non-payment as that was not our fault ; the customer service agent stated that we would not be responsible for making up a shortfall in Escrow if the shortfall was a fault on the part of the mortgage servicer, Shellpoint. 


XXXX  posted payment on XX/XX/XXXX. 


However, we just received a statement dated XX/XX/XXXX that our escrow is now negative at - {$1000.00}, and that our escrow payment will increase from {$710.00} to XXXX starting XX/XX/XXXX. 


>>> We want to confirm that our funds were not used towards the payment of late fees from property tax ; this is the responsibility of the mortgage servicer. The current statement reflects a shortfall that we are being asked to make up that was no fault of our own.

>>> We also received communication that XXXX XXXX  will be our loan servicer effective XX/XX/XXXX. This should be addressed before the loan is transferred. 


Thank you, XXXX XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

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