vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Experian Account ( Name : XXXX XXXX XXXX XXXX XXXX Acct. # XXXX ) Transunion Account ( Name : XXXX XXXX XXXX XXXX XXXX Acct. # XXXX ) Equifax Account ( Name : XXXX 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 explanation
Consumer complaint received 2025-02-07 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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a collection account that appears on my credit report. I recently attempted to have this account removed because I had no prior knowledge of the charge, and furthermore, the account has exceeded the legally allowed reporting period under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that this collection account remains listed despite my efforts to dispute it with the credit reporting agencies. According to the FCRA, negative items such as collections should not remain on a credit report for more than seven years from the date of the first delinquency. Since this account has exceeded that timeframe, it should have been removed. I have contacted the credit bureaus and the collection agency in an attempt to resolve this issue, but I have not received a satisfactory response. As this collection account is both outdated and was unknown to me until recently, I am requesting the CFPB to assist in having it removed from my credit report in accordance with federal law. Please find enclosed copies of my credit report highlighting the disputed account, as well as any relevant correspondence regarding my dispute. I appreciate your prompt attention to this matter and
look forward to your response.

Thank you for your time and assistance.

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 2025-02-07 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: FL

Complaint narrative:
I recently received a copy of my 3 bureaus consumer report and I noticed some inaccurate information posted on my consumer report : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-02-07 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: NC

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 2025-02-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
The company did speak with me tonight after waiting 30 minutes to be connected. Im sending this complaint because I thought yall would help me get to the bottom of this. Blackhawk told yall it was not theres when it was. Makes me think everyone is working together to not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Sham Investigations of Credit Report Errors by Experian Dear CFPB Team, I am writing to formally submit a complaint against Experian, the nationwide consumer reporting agency, regarding their unlawful practices in handling consumer disputes, as recently highlighted in your lawsuit against them. My experience aligns closely with the allegations that Experian conducts sham investigations and fails to properly review disputes, resulting in inaccurate information on credit reports.

Despite my efforts to dispute errors on my credit report, Experian has not adequately addressed my concerns. Specifically, I have provided evidence of my current rental payments, which should reflect positively on my credit history. However, Experian has incorrectly reported my rental account as " Closed '' when it should be marked as " Open. '' This not only misrepresents my current financial standing but also threatens my access to essential services such as credit, housing, and employment.

To support my claim, I will be uploading a screenshot from my rental portal, which clearly shows that my rent is current. The relevant details are as follows : - Rent Status : Current - Account Period : XX/XX/XXXX - Amount Paid : {$1900.00} Additionally, the Experian report shows that my account is marked as " Closed '' with a status of " Paid, Closed/Never late '' since XX/XX/XXXX. This is misleading, as I have consistently made my payments on time and my account should remain open.

The discrepancies in their reporting have caused significant distress and confusion, affecting my ability to secure housing and maintain a good credit score. I urge the CFPB to investigate Experian 's practices and ensure they comply with federal laws that protect consumers.

Thank you for your attention to this matter. I hope for a swift resolution and am willing to provide any further information needed for your investigation.

Sincerely,

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 2025-02-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  Account number : XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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 hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

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 2025-02-07 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX  do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: VA

Complaint narrative:
XXXX XXXX XXXX {$1800.00} No knowledge of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: PA

Complaint narrative:
I have identified inaccurate information on my credit report. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these accounts. Reporting unverified information without proper evidence within the legally mandated timeframe is not permitted. Please investigate and rectify the errors for the following accounts listed on my credit report. 
XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$51000.00}

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 2025-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am reaching out regarding a serious issue with my XXXX account. On XXXX, i found my account was restricted .As requested, I provided my billing statement, uploaded my ID, and completed the required selfie verification. However, after a period of review, my account was closed without any prior notice via email, phone, or any other communication. 

A few days ago, when I logged into the app, I was shocked to find that my account balance {$12000.00} was missing. I have attempted multiple times to contact XXXX via email, but I only received automated responses. Phone calls are automatically disconnected, making it impossible to reach a representative. 

I also contacted XXXX through the app and was advised to explain my situation, with a promise of a response within XXXX business days. However, I have yet to receive any reply. 


I kindly request an immediate response regarding my missing funds and how I can get it back. 

I appreciate your prompt attention and look forward to your response. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-07 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: PA

Complaint narrative:
XXXX and TransUnion refuse to delete collections, that are inaccurate, and iyts hurting my credit profile and non of the information they reporting is yrue please correct and update XXXX XXXX XXXX is paid in full 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 2025-02-07 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: NY

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my credit file related to the XXXX XXXX account ( Account Number : XXXX ). I have identified errors in the reported payment history and balance, which I believe violate federal consumer protection laws. Please find the details below. 
The inaccuracies I have identified are as follows : The payment history reflects a " XXXX  Days Past Due '' status for XX/XX/year>, which I believe to be incorrect and unsupported by factual evidence. 
Under federal law, I request an investigation into these inaccuracies and a prompt correction. The specific laws that govern the handling of this matter include : Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666b ( a ) : This section prohibits creditors from reporting a payment as late to credit reporting agencies if it was received within 14 days of the due date or as specified in the account agreement. If my payment was submitted within the allowable time frame, this reported delinquency violates this provision. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) requires furnishers of credit information to ensure the accuracy and integrity of the information they report to credit bureaus. Incorrect reporting of payment history and balance is a violation of this section. 
1681i requires credit reporting agencies to conduct a timely and thorough investigation of disputes and to delete or correct inaccurate or unverifiable information.

Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( a ) : This section requires creditors to investigate and resolve billing errors, including misreported payment statuses or amounts due, promptly. The reported XXXX delinquency appears to be a billing error. 
Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 ( d ) : Creditors are required to notify consumers of adverse actions, such as reporting delinquencies, and provide specific reasons for such actions. I did not receive proper notice or explanation for the reported delinquency. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : 1692e prohibits false or misleading representations about the character, amount, or legal status of a debt. Any misrepresentation of the account balance or payment status would violate this provision. 
Given the legal protections afforded under these laws, I request the following actions : A detailed investigation into the reported inaccuracies. 
Evidence validating the reported balance and payment history, including a copy of the original creditor agreement. 
Correction or removal of any inaccurate information that can not be verified. 
Please consider this letter as my formal dispute under the FCRA, FCBA, TILA, ECOA, and FDCPA. If you can not verify the accuracy of the information, I expect the disputed items to be removed from my credit file promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my 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 non-monetary relief