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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
The remaining balance left with Mohela is {$5400.00} which was consolidated with my original loans that were forgiven in 2022. Attached is the consolidation application as proof. Per Sweet Relief ( Sweet vs Cordona ), my remaining balance should be forgiven and I should have a zero balance as XXXX XXXX has forgiven all loans and shows a zero balance.

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: 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: GA

Complaint narrative:
I previously submitted the below dispute. You failed to conduct the proper investigation correct errors. The below account is still showing late by 30 days in error. 

XXXX XXXX XXXX XXXX XXXX XXXX - PAST DUE 30 DAYS Notice of Dispute under 15 U.S.C. 1681 Inaccurate Reporting of Late Payments I am writing to formally dispute inaccurate information you have reported regarding my account, in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. Specifically, your company is inaccurately reporting that I was 30 days late on payments for XX/XX/XXXX, XX/XX/XXXX. The month of XXXX is not over and its impossible for a payment to be reported as 30 days late as of XXXX XX/XX/XXXX. ALL PAYMENT WERE MADE ON TIME. Per 15USC 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information included in consumer report Please update both XX/XX/XXXX and XX/XX/XXXX to paid on time. If this matter is not resolved satisfactorily, I am prepared to take further action, including legal action. Provide me written documentation of your findings. 



XXXX XXXX XXXX XXXX XXXX XXXX - PAST DUE 30 DAYS

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: 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These items are from unauthorized use of my social security number and card. Please remove the following from my credit report : XXXX XXXX ( original Creditor : XXXXXXXX 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 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

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These items are from unauthorized use of my social security number and card. Please remove the following from my credit report : 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 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

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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct 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 or removed disputed items ( to include unknown addresses disputed by phone ) 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 inaction violates federal law and my rights as a consumer. 
As outlined in Section 611 of the FCRA ( 15 U.S.C. 1681i ), if the information can not be verified or if the creditor fails to respond within the required time frame, the disputed information must be removed or corrected. The incomplete investigation into my dispute has resulted in inaccurate information remaining on my credit report, which is adversely affecting my credit score and financial standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
In XXXX I enrolled for the company to get off my old debts off my acct trying to get my credit source up over time they said it was falling off my report so when looked it was gone but when looked back at my report over time it pop back up, they said it was over and off

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: Experian Information Solutions Inc.
State: NM

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 | 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 2025-01-24 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: VA

Complaint narrative:
I am filing this complaint because XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) regarding my credit report dispute. Specifically : 1. They did not conduct a reasonable reinvestigation of the disputed information 2. This has resulted in inaccurate and unverifiable accounts remaining unresolved 3. Their handling of my case aligns with the systemic issues identified in the CFPB 's recent lawsuit against XXXX, including : - Failure to properly forward consumer-provided evidence - Acceptance of unreliable responses - Inadequate notification to consumers about dispute outcomes Despite multiple attempts to resolve this issue via phone, XXXX has neither corrected nor removed the disputed information from my report. This continues to impact my credit standing negatively. 
Disputed XXXX XXXX has outdated and incorrect information and should be positive standing XXXX XXXX  Accounts should not be showing negative XXXX XXXX XXXX XXXX were not properly investigated XXXX Account is reported negative and should be updated

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: VA

Complaint narrative:
I am filing this complaint because XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) regarding my credit report dispute. Specifically : 1. They did not conduct a reasonable reinvestigation of the disputed information 2. This has resulted in inaccurate and unverifiable accounts remaining unresolved 3. Their handling of my case aligns with the systemic issues identified in the CFPB 's recent lawsuit against XXXX, including : - Failure to properly forward consumer-provided evidence - Acceptance of unreliable responses - Inadequate notification to consumers about dispute outcomes Despite multiple attempts to resolve this issue via phone, XXXX has neither corrected nor removed the disputed information from my report. This continues to impact my credit standing negatively. 
Disputed XXXX XXXX  has outdated and incorrect information and should be positive standinXXXX XXXX XXXX  Accounts should not be showing negative XXXX XXXX XXXX XXXX were not properly investigated XXXX Account is reported negative and should be updated

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: AR

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 ( XXXX XXXX. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 Ac

t ( 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 actio
ns 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 2025-01-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They did and improper investigation and did not fix the errors on my disputes

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has reported my personal information without my permission. Experian brought and or saying/trading my personal information violating my consumer right 15USC 1681. These third party LLC like Experian did not receive my permission or consent to report any of my personal information for monetary gain. I will pursue legal action in court if Experian does not remove and all information related to my personal data. It is defamation against my character and is a direct result of me being able to have the fairness I deserve, all loans, credit card information, hard inquiries or collections should be removed immediately as to the law 15USC 1681. Please respond to this issue as soon as possible. Congress does not give Experian the right to violate my personal 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 2025-01-24 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: NJ

Complaint narrative:
My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to 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 explanation
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 — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX has sold my personal information to a third party company LVnV funding LLC which is a breach of contract I did not authorize, I have told them to cease and desist from all contact phone call, emails and reporting on my credit account.I have requested a copy of the the contract from LVNV Funding LLC they have not provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed a charge on my Capital One XXXX XXXX bill where I booked a hotel room and it was not as described. Specifically, it was on the 5th floor and advertised an elevator and XXXX  neither of which were working. Due to medical conditions, this was not feasible for us to stay there and climb so many stairs multiple times a day or be without internet because we needed it to work. We requested repairs to these things, but it never happened and we eventually left and booked another room at a hotel down the street. I asked the original vendor for a full refund and they agreed, and then never gave the refund. I disputed with Capital One and they refused it and said I needed to send more information. I sent the exact information they asked for and they immediately sent back an automated form letter saying that I didn't send them any of what they asked for so they were closing my case. 
Attached is the most recent letter I sent to Capital One that describes the issue in great detail and also shows proof of the events as they happened.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed multiple incorrect credit reporting with XXXX, XXXX and TransUnion. I also requested proof and did not receive anything. I also requested for multiple credit inquiries to be removed because it was for one purchase depending on the category.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed multiple incorrect credit reporting with Experian, XXXX and XXXX. I also requested proof and did not receive anything. I also requested for multiple credit inquiries to be removed because it was for one purchase depending on the category.

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: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital one misrepresents the 360 savings accounts as having one of the nations highest interest rates, yet failed to notify account holders about superior rates available in other accounts. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses of many, breaching the Consumer Financial Protection Act, and the Truth in Savings act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The account with XXXX XXXX XXXX is listed as closed on my Experian credit report but is reported as open with another credit bureau. This inconsistency creates confusion and misrepresents my credit history. I am requesting that Experian delete the account to prevent further discrepancies.

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