vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
Failure to Investigate Properly 611 ( a ) Keep Repeatedly Reporting Inaccurate Information 623 ( a ) ( l ) Failure to Delete Inaccuracies 611 ( a ) ( 5 ) WILLFUL NON COMPLIANCE 616 Fraudulent Misrepresentation 623 ( a ) ( l ) ( B ) Failure to Provide VERIFICATION 609 ( a ) ( l ) You have REPEATEDLY VERIFIED AS ACCURACY ON ALL FRAUDULENT ACCOUNTS, YOU we're just previously sued by CFBP FOR the same thing your doing to me now, I demand this matter be handle professionally. 

Please see ATTACHED DOCUMENTS ( 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inquiry on Credit Report Dear CFPB, I am writing to dispute an inquiry that appears on my credit report. The inquiry in question is from [ Company Name ] and was made on [ Date ]. I believe this inquiry is incorrect and should be removed from my report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled and supporting documents that show why this inquiry is incorrect. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to file a formal complaint against the bureaus for failing to comply with 15 USC 1681i ( investigation of disputed information ), 15 USC 1681e ( b ) ( accuracy of information ), and other related provisions of the Fair Credit Reporting Act. Despite sending multiple letters requesting investigation and correction of inaccuracies on my credit report, they have not complied with my requests. 

Additionally, I recently learned that the CFPB has filed a lawsuit against XXXX and XXXX for similar actions, citing their failure to properly investigate credit report disputes and their failure to remove or correct errors. I believe this is directly applicable to my case, as I have experienced similar issues, including inaccuracies that remain uncorrected despite my efforts. on multiple accounts these accounts appear on my report multiple times. 

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 2025-01-28 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: OH

Complaint narrative:
I am writing to file a formal complaint against the bureaus for failing to comply with 15 USC 1681i ( investigation of disputed information ), 15 USC 1681e ( b ) ( accuracy of information ), and other related provisions of the Fair Credit Reporting Act. Despite sending multiple letters requesting investigation and correction of inaccuracies on my credit report, they have not complied with my requests. 

Additionally, I recently learned that the CFPB has filed a lawsuit against XXXX and Equifax for similar actions, citing their failure to properly investigate credit report disputes and their failure to remove or correct errors. I believe this is directly applicable to my case, as I have experienced similar issues, including inaccuracies that remain uncorrected despite my efforts. on multiple accounts these accounts appear on my report multiple times. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MO

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-28 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inquiry on Credit Report Dear CFPB, I am writing to dispute an inquiry that appears on my credit report. The inquiry in question is from [ Company Name ] and was made on [ Date ]. I believe this inquiry is incorrect and should be removed from my report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled and supporting documents that show why this inquiry is incorrect. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Driveway Finance Corporation
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inquiry on Credit Report Dear CFPB, I am writing to dispute an inquiry that appears on my credit report. The inquiry in question is from [ Company Name ] and was made on [ Date ]. I believe this inquiry is incorrect and should be removed from my report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled and supporting documents that show why this inquiry is incorrect.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
To Whom It May Concern, I am writing to formally dispute an account listed on my credit report that I have no knowledge of. The account in question appears to be associated with XXXX XXXX for a federal student loan. I have reviewed my records and have no recollection of applying for or authorizing any loans with this company.I believe this account may be fraudulent or the result of an error. I would appreciate your assistance in investigating this matter and removing the account from my credit report.Despite providing all necessary documentation and clarifying that I have no knowledge of this fraudulent account, the issue persists, and the account has not been removed from my credit report. I have made multiple attempts to address this directly with the credit bureaus, yet there has been no meaningful response or resolution to my case.

This ongoing situation is affecting my credit standing, and I am extremely frustrated by the lack of action taken. I am requesting immediate attention to this matter and a thorough investigation to remove the fraudulent account from my credit report.

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 2025-01-28 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account listed on my credit report that I have no knowledge of. The account in question appears to be associated with XXXX XXXX for a federal student loan. I have reviewed my records and have no recollection of applying for or authorizing any loans with this company.I believe this account may be fraudulent or the result of an error. I would appreciate your assistance in investigating this matter and removing the account from my credit report.Despite providing all necessary documentation and clarifying that I have no knowledge of this fraudulent account, the issue persists, and the account has not been removed from my credit report. I have made multiple attempts to address this directly with the credit bureaus, yet there has been no meaningful response or resolution to my case. 
This ongoing situation is affecting my credit standing, and I am extremely frustrated by the lack of action taken. I am requesting immediate attention to this matter and a thorough investigation to remove the fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account listed on my credit report that I have no knowledge of. The account in question appears to be associated with XXXX XXXX for a federal student loan. I have reviewed my records and have no recollection of applying for or authorizing any loans with this company.I believe this account may be fraudulent or the result of an error. I would appreciate your assistance in investigating this matter and removing the account from my credit report.Despite providing all necessary documentation and clarifying that I have no knowledge of this fraudulent account, the issue persists, and the account has not been removed from my credit report. I have made multiple attempts to address this directly with the credit bureaus, yet there has been no meaningful response or resolution to my case. 
This ongoing situation is affecting my credit standing, and I am extremely frustrated by the lack of action taken. I am requesting immediate attention to this matter and a thorough investigation to remove the fraudulent account from my credit report.

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 2025-01-28 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: FL

Complaint narrative:
I filed several disputes for incorrect information and several for collections that I have no knowledge dating back to XX/XX/year>. None of the information was removed or resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: MA

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 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 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 2025-01-28 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: SC

Complaint narrative:
After reviewing My credit report I noticed their are fraudulent accounts listed on my credit report. The fraudulent accounts have caused damage to my reports. Please remove the fraudulent accounts as they are hurting my ability to obtain new credit. My data has also been leaked in the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-28 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:
I submitted an affidavit /dispute via certified mail and needed a response by XX/XX/XXXX. I submitted another investigation back in XXXX of XXXX and it came back verified knowing they didnt investigate properly hence the reason why they are being sued. 

I have proof that they have received my dispute and have NOT changed the status of my account in collections ON purpose. Violating my rights 15 usc 1681 c-o. ( Willful non compliance ) They should know that XXXX isnt licensed to practice in NC per their OWN website. They are reporting illegally and have provided me with no recourse on how to remedy my report. This is gravely affecting my livelihood! Experians reps have been less than helpful on calls and they prolong investigations with no intent of helping the consumer out! I also emailed the compliance mgr with XXXX and called XXXX XXXX for assistance on this with no avail. I never opt in to giving them my information. I also have contacted the Tx attorney general on 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was affected by a data breach that happened and I would like for my credit report to be cleared.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was affected by a data breach that happened and I would like for my credit report to be cleared.

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 2025-01-28 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received some investment property around XXXX of last year. I used my credit cards to renovate XXXX side of the apartment that wasn't livable, plus increasing the value of the property at the same time. I kept the balance below my limits and made more than the minimum payment on the accounts. XXXX XXXX XXXX 's I use very seldom. I stayed in good standards as long as I had the card with a XXXX balance. Around XXXX of last year a letter came stating my line of credit was reduced. The rep stated that they looked at my credit report and saw high balances on my other credit cards, they decided to reduce my limit. This caused my credit scores to fall because by reducing my limit The credit depositories are looking at my credit card usage over XXXX percent which treats this cards like they are delinquent. I wasn't aware that this could happen. They can look at my credit report with no discrepancies but high balances and determine I'm a credit risk even if I never been late on 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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a check for a settlement in XXXX  and I deposited it at Citibank. The checks were flagged for fraud and they said they had to verify the checks but they never did. Its been XXXX years and my money is still sitting in my account, my lawyers are trying to get a hold of the issuers. More than {$6000.00}.

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 2025-01-28 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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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