vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: 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 if 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 requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have reported inaccurate : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX  Address : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX , TX 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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

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 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: OK

Complaint narrative:
When I apply for credit and get denied, my denial letter will state that my credit score is far different than the credit score that I get on the paid accounts that I have with each individual credit bureau by XXXX points or more. I have different accounts with different credit improvement apps and each app will tell me that my credit score is different, even though it's the same credit bureau. I don't understand how they can have XXXX point or more difference depending on what app you use. I can understand maybe different credit bureaus. It's the same credit bureau though. How am I getting XXXX point differences? I wouldn't apply for credit if my credit score is as low as the companies that are denying my credit shows. I don't understand why I'm not getting the same credit report as the company 's that are requesting it? Also the credit bureaus refuse to take old information off of my account. They have names that are not mine on my credit report, accounts that are not mine on my credit report, social security numbers that is not mine on my credit report, addresses that are not mine on my credit report, the list goes on and they will not look into it. I put in a disputes and it will go off my reports for a month or XXXX and then they'll put it right back on there.

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: OK

Complaint narrative:
When I apply for credit and get denied, my denial letter will state that my credit score is far different than the credit score that I get on the paid accounts that I have with each individual credit bureau by XXXX points or more. I have different accounts with different credit improvement apps and each app will tell me that my credit score is different, even though it's the same credit bureau. I don't understand how they can have XXXX point or more difference depending on what app you use. I can understand maybe different credit bureaus. It's the same credit bureau though. How am I getting XXXX point differences? I wouldn't apply for credit if my credit score is as low as the companies that are denying my credit shows. I don't understand why I'm not getting the same credit report as the company 's that are requesting it? Also the credit bureaus refuse to take old information off of my account. They have names that are not mine on my credit report, accounts that are not mine on my credit report, social security numbers that is not mine on my credit report, addresses that are not mine on my credit report, the list goes on and they will not look into it. I put in a disputes and it will go off my reports for a month or XXXX and then they'll put it right back on there.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

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 redressing 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing today to inform you that I disputed with Experian and Transunion earlier XX/XX/XXXX. I was informed information about the account for XXXX XXXX XXXX it was verified by both agencies I then reached out via online and mail since early XX/XX/XXXX and for XXXX times now received the same responses its verified. So I disagree with the investigation and reinvestigation. I would like to point out that the inaccurate information reporting is violation of my consumer rights. Per 1681s per the FCRA I am entitled to a fair and complete accurate credit report.

The information you claim is accurate DID NOT provide the explanation of calculations for the balance alongside the proper documentation the law states in UCC article 9 section Proper notice of sale and Commercially reasonable sale. Who was notified at the original creditor if they anre closed out of business and why was that information not provided. The payment history is incorrect and inaccurate the balance was last paid on sold be the sale at the private auction in the letter stating in XX/XX/XXXX and it was resold in XX/XX/XXXX as the documents shows when the balance was XXXX. If it was sold at a commercially reasonable price how was it the balance is XXXX. The collection agency also did not provide a judgement or assignment documentation showing there legally allowed to collect on this debt. Another inaccuracy is the payment history stating balance reporting every month and opened on XXXX in XXXX. When last payment was XXXX XXXX this is extending the statutes of limitations which is illegal. Also in around XXXX you have payment status of ND which is causing inaccurate information what does that means was payment made, was payment late? No one knows with that status so how can that be accurate. 

Please due to the inaccurate and false information delete and remove this collection agency is being sued in justice court in the state of Texas. You have taking more then 30 days to correct this error and this is harming my natural way of living.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
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: FL

Complaint narrative:
I am filing 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 solution requirements under the electronic funds 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 2025-02-03 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: PA

Complaint narrative:
When I checked my credit report today, I was surprised to see inaccurate accounts appear without explanation. I regularly review my report, but this time, there were unexpected discrepancies. I even refreshed my browser to see if it was a technical issue, but the inaccuracies remained. Given this situation, I am requesting a thorough review of the documents I provided so I can have peace of mind moving forward.

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ct XXXX, Ga, XXXX XXXX XXXX, XXXX, & XXXX XXXX Addresses unknown Subject : FORMAL DISPUTE & DEMAND FOR IMMEDIATE DELETION OF INACCURATE COLLECTIONS To Whom It May Concern, I am writing to formally dispute the inaccurate and unverified collection accounts appearing on my credit report. These accounts are causing significant financial harm, including repeated denials for credit, housing, and essential financial services. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to investigate and remove any unverifiable, inaccurate, or outdated information within 30 days. 
ACCOUNTS IN DISPUTE : 1. Unknown Collection Account {$1400.00} ( Opened : XX/XX/XXXX ) 2. Jefferson Capital Systems {$660.00} ( Opened : XX/XX/XXXX ) 3. XXXX XXXX {$550.00} ( Opened : XX/XX/XXXX ) LEGAL GROUNDS FOR DISPUTE & REMOVAL REQUEST : 1. Lack of Verification ( FCRA 611, 15 U.S.C. 1681i ) Under federal law, no unverified debt can remain on my credit report. If the reporting agencies fail to provide complete validation, the accounts must be deleted immediately.

2. Unauthorized Collection Activity ( FDCPA 15 U.S.C. 1692e & 1692g ) Debt collectors must provide proof of ownership and itemized validation of a debt upon request. If the agency can not provide signed documentation proving I owe these debts, these accounts are being reported in violation of federal law. 
3. Consumer Harm Due to Incorrect Reporting ( FCRA 623, 15 U.S.C. 1681s-2 ) These accounts have caused : * Denial of credit, auto loans, and housing applications * Higher interest rates due to unfair and inaccurate reporting * Severe damage to my financial stability DEMAND FOR IMMEDIATE ACTION : 1. Conduct a full investigation and provide evidence that these accounts are 100 % accurate, verifiable, and legally reportable.

2. If verification can not be provided within 30 days, REMOVE these accounts from my credit report immediately.

3. Provide written confirmation of deletion.

Failure to comply with federal laws will result in formal complaints filed with : * Consumer Financial Protection Bureau ( CFPB ) * Federal Trade Commission ( FTC ) * State Attorney Generals Office If this matter is not resolved, I will seek legal action for willful noncompliance under FCRA 1681n, which allows for statutory damages of up to {$1000.00} per violation plus attorney fees.

This letter serves as legal notice under the FCRA and FDCPA. Please respond within 30 days to avoid further escalation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: UT

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good day.

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 2025-02-04 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:
Subject : **Demand for Immediate Deletion of Inaccurate Credit Reporting for XXXX XXXX XXXX Account # : XXXX ) ** To Whom It May Concern, I am writing to demand the immediate deletion of my credit account with XX/XX/XXXX XXXX ( Account # : XXXX ) from my credit reports maintained by Experian , XXXX , and XXXX . The inaccuracies present in these reports represent a blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically 602, 606, and 611, which require credit reporting agencies to ensure accurate reporting and rectify errors promptly.

# # # Inconsistencies Identified : 1. **Account Status** : - The account is reported as **Closed** by Experian and has an indeterminate status by XXXX. This inconsistency violates FCRA 607, which mandates that credit reporting agencies maintain maximum accuracy.

2. **Payment Status** : - The payment status states that the account was **Paid, was past due 90 days** ; however, the lack of a clear payment history from XXXX is unacceptable. This contradicts the requirement under FCRA 607 for accurate and complete reporting.

3. **Last Reported Dates** : - The **last reported date** does not align with my records, further complicating my credit profile and potentially harming my creditworthiness.

4. **General Reporting Issues** : - The overall lack of clarity and accuracy in the reporting of this account raises serious concerns about the reliability of the information provided by these bureaus.

Moreover, I am aware of the recent data breach that has affected these credit reporting agencies, which raises significant concerns about the security and integrity of consumer data. Under U.S. Code 1030, organizations are required to implement adequate measures to protect consumer data. This breach only underscores the need for immediate corrective action regarding the inaccuracies in my credit report.

Given these violations, I demand the immediate removal of theXX/XX/XXXXXXXX account from my credit report. If these inaccuracies are not corrected within the legally mandated time frame, I will pursue all available legal remedies, including seeking damages for the harm caused by these reporting errors. 

Please acknowledge receipt of this complaint and inform me of any actions taken to rectify these serious issues. 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therfore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX Balance {$7400.00}, XXXXXX/XX/XXXXBALANCE {$7400.00}, XXXX XXXX XXXX balance {$61.00}, XXXX XXXX XXXX Balance {$490.00},XX/XX/XXXXXXXX balance {$460.00}, XXXX XXXX BALANCE {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XX/XX/XXXX balance {$0.00},

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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
This complaint is being filed to ensure I receive a response from the debt collector LOCKHART , MORRIS & MONTGOMERY , INC . I am attaching a letter I want them to have. I am using this complaint as a medium of written communication to inform them of my refusal to pay the debt they are claiming I owe because it is a debt created from identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I in fact paid on time. The consumer reporting agencies need to report all information with completed accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/scrub> 2023 and XX/XX/scrub> 2023. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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: FL

Complaint narrative:
Here are the accounts XXXX XX/XX/XXXX # XXXX {$3400.00} I wrote a dispute letter for them to remove it off my credit because it doesnt belongs to me. I asked them for information showing that I signed up with this XXXX account. No response I got in touch with Experian they told me they investigated it and it remains the same every time I try to dispute it off my credit I get the same answer they investigated it stays the same. They asked me Why do I feel like I got ta keep investigating, and I told them because it dont belong to me. Show me that I signed up for this account. Show me my signature show me proof no proof XXXX and XXXX XXXX Account # 5 {$4200.00} I disputed this too. They just told me the same thing they investigated it and care the same with no proof or 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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX - XXXX Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXXXXXX XXXXInquiry XX/XX/XXXX/23 XXXXInquiry XXXXInquiry XXXX XXXXXXXX AInquiry

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