vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: CA

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 2025-02-23 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: AZ

Complaint narrative:
This creditor has charged-off this debt and still is inaccurately reporting an owed balance. Which is not in compliance with the FCRA laws and IRS regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
I reviewed my consumer report and noticed an error : late payments are being reported on an account where all payments were made on time. Consumer reporting agencies are responsible for ensuring that all information is reported with maximum accuracy. I have attached a screenshot from XX/XX/year>. 

Under 15 USC 1681i, agencies are required to conduct a prompt investigation of any disputed information and correct inaccuracies. I request that you investigate this matter and provide documented proof such as official statements or records that confirm these payments were reported as late. If you can not provide such evidence, I expect the report to be updated to reflect that the payments were made on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
I reviewed my consumer report and noticed an error : late payments are being reported on an account where all payments were made on time. Consumer reporting agencies are responsible for ensuring that all information is reported with maximum accuracy. I have attached a screenshot from XX/XX/year>. 

Under 15 USC 1681i, agencies are required to conduct a prompt investigation of any disputed information and correct inaccuracies. I request that you investigate this matter and provide documented proof such as official statements or records that confirm these payments were reported as late. If you can not provide such evidence, I expect the report to be updated to reflect that the payments were made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
Experian has denied my claim for Credit Reporting Violations, Personal Information ( Full Legal Name ), FCRA 605C XXXX XXXX Blocking Request, and Unlawful Inquiry into my case.

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 2025-02-23 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: AZ

Complaint narrative:
Inaccurate and incorrect personal information is being reported by Experian, Equifax and Transunion and that is a violation of the FCRA laws and my consumer rights. They have 4 home addresses listed on my credit report that do not belong to me or is associated with me. I have filed a complaint about these inaccuracies and yet these credit reporting agencies dont think they have to follow FCRA laws and it relates to accuracy and verifiable information. 


My HOME address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX MY state Drivers License has the same address as above. 
The following addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: AZ

Complaint narrative:
Inaccurate and incorrect personal information is being reported by Experian, Equifax and Transunion and that is a violation of the FCRA laws and my consumer rights. They have 4 home addresses listed on my credit report that do not belong to me or is associated with me. I have filed a complaint about these inaccuracies and yet these credit reporting agencies dont think they have to follow FCRA laws and it relates to accuracy and verifiable information. 


My HOME address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX MY state Drivers License has the same address as above. 
The following addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2025-02-23 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: AZ

Complaint narrative:
This account is being reported inaccurately on my credit report with no compliance of the FCRA laws and IRS regulations. this is potential fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 2025-02-23 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: TX

Complaint narrative:
I am writing to formally dispute and request the immediate removal of certain inaccurate information on my credit report. I recently reviewed my report and discovered several entries that do not accurately reflect my account history. I refer to my rights under 15 U.S. Code 1681i, which mandates that if information is found to be inaccurate, incomplete, or unverifiable following a reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

To provide context, I originally held a credit card with a {$1000.00} limit from XXXX XXXX. I consistently made at least the minimum payment on time through an automatic payment system. However, after XXXX XXXX  was sold to XXXX XXXX  located in MissouriI received an email instructing me to accept new terms and notifying me that a replacement card would be issued. Despite their assurance that the card had been sent, I have not received it despite several follow-up calls. Consequently, I have been wrongly reported as having missed payments, which has adversely affected my credit.

In light of these circumstances, I respectfully request that you immediately remove the inaccurate items from my credit report. Please also ensure that the furnisher of this information is notified of the corrections, as required under 15 U.S. Code 1681i.

Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been corrected.

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 2025-02-23 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: AZ

Complaint narrative:
This account is being reported inaccurately on my credit report with no compliance of the FCRA laws and IRS regulations. this is potential fraud

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 2025-02-23 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: AZ

Complaint narrative:
This account is being reported inaccurately on my credit report with no compliance of the FCRA laws and IRS regulations. this is potential fraud

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 2025-02-23 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: AZ

Complaint narrative:
This account is being reported inaccurately by Equifax, Experian and Transunion. This account is not in compliance with FCRA LAWS and IRS regulations, potential fraud by this creditor.

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 2025-02-23 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 reviewed my consumer report and noticed an error : late payments are being reported on an account where all payments were made on time. Consumer reporting agencies are responsible for ensuring that all information is reported with maximum accuracy. I have attached a screenshot from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under 15 USC 1681i, agencies are required to conduct a prompt investigation of any disputed information and correct inaccuracies. I request that you investigate this matter and provide documented proof such as official statements or records that confirm these payments were reported as late. If you can not provide such evidence, I expect the report to be updated to reflect that the payments were made on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My information was breached when I was XXXX  my iXXXX XXXX is XXXX XXXX I would like more information on how to get compensated for the loss that I have taken I know that is a lawsuit out I just don't know how to begin filling out the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: MN

Complaint narrative:
I sent a police report and Federal Trade Commission ( FTC ) Identity Theft Report to Experian and Equifax for an existing problem and errors on my Experian and Equifax credit report that has not been corrected or resolved. The following credit card accounts and inquiry currently listed on my Experian and Equifax credit report, is fraudulent, not my accounts and the result of identity theft : XXXX XXXX XXXX XXXXXXXX, {$1000.00}, XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX, {$860.00} XXXX XXXX XXXX, {$430.00} and hard inquiry : XXXX XXXX, XX/XX/year>

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 2025-02-23 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: IL

Complaint narrative:
I reviewed my consumer report and noticed an error : late payments are being reported on an account where all payments were made on time. Consumer reporting agencies are responsible for ensuring that all information is reported with maximum accuracy. I have attached a screenshot from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under 15 USC 1681i, agencies are required to conduct a prompt investigation of any disputed information and correct inaccuracies. I request that you investigate this matter and provide documented proof such as official statements or records that confirm these payments were reported as late. If you can not provide such evidence, I expect the report to be updated to reflect that the payments were made on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
I reviewed my consumer report and noticed an error : late payments are being reported on an account where all payments were made on time. Consumer reporting agencies are responsible for ensuring that all information is reported with maximum accuracy. I have attached a screenshot from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under 15 USC 1681i, agencies are required to conduct a prompt investigation of any disputed information and correct inaccuracies. I request that you investigate this matter and provide documented proof such as official statements or records that confirm these payments were reported as late. If you can not provide such evidence, I expect the report to be updated to reflect that the payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This is between my dad and uncle I have never paid the account - Single time and it shows no payments. It has been open XXXX years almost. And its been through bankruptcy not once have I ever signed, received, or paid anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: OK

Complaint narrative:
This is between my dad and uncle I have never paid the account - Single time and it shows no payments. It has been open XXXX years almost. And its been through bankruptcy not once have I ever signed, received, or paid anything.

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 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a dispute to Transunion on XX/XX/XXXX, it is now XX/XX/XXXX and I have not received any investigation results. Below I attached a copy of the dispute ( in which i detailed out everything that's inaccurate, incomplete and/or unverifiable ), 2 forms of ID, the supporting documentation and a copy of the credit report. I demand that this agency complies with the FCRA

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 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I owed capital one on 2 cards ... I paid capital one platinum in full ... .I tried to pay quick silver in full but they offered a one time cheaper payment ... they acted like I they wanted me to pay the {$290.00} offered but I want to pay the 589.11 in full .... capital platinum took it in full... I called quick silver last Wednesday and they said it would be taken out the next day ... it wasn't.i called again and they said I kept an error ... my bank said it didn't make sense ... I found how to pay it in full in the app ... my platinum card is showing paid I have proof ... my quick silver is now showing a {$0.00} balance but they haven't removed it from my account... it also says it's been paid and there's nothing more to do but my bank has gotten it.its weird because my platinum took it and it's paid but it doesn't give me a message saying nothing more left... I've paid both in full it's quick silver not pulling it from my account... I have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
the company did a unauthorized pull on my account tried to have Experian remove by telling them an recently on XX/XX/year>2025 calling saying i did not give permission to whom I listed in the attached document

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 2025-02-23 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: NV

Complaint narrative:
My id was stolen and much of the so called debt is due to this

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