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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX has been sent out multiple times from XXXX to Experian to reinvestigate. Company never followed up with letter response or email response of reinvestigation. I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds in XXXX hours stating that the account is accurate, without providing any evidence of a thorough investigation.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX account number XXXX. I see that this account has been charged-off and yet there is a past due balance on your reporting .Do you know it is a VIOLATION? I urge your agency to reinvestigate this account and ensure that CORRECT, FAIR and COMPLETE reporting is given. As required by the FAIR Credit REPORTING ACT Laws. I DO NOT believe that this account is ACCURATE.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX account number XXXX. I see that this account has been charged-off and yet there is a past due balance on your reporting .Do you know it is a VIOLATION? I urge your agency to reinvestigate this account and ensure that CORRECT, FAIR and COMPLETE reporting is given. As required by the FAIR Credit REPORTING ACT Laws. I DO NOT believe that this account is ACCURATE.

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: CA

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX stating the account is accurate, without providing any evidence of 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, Equifaxs actions may also contravene the consumer financial protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation. 
Thes are the accounts Ive marked as inaccurate : 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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its illegal obligation under the XXXX XXXX reporting XXXX ( 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 2025-02-04 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: MN

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 is not yours
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX  Account XXXX I am writing to formally dispute the validity of the debt referenced above, which you claim I owe. I request that your office provide me with full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please supply the following information : XXXX. XXXX of the amount owed, including a detailed account of the principal, interest, penalties, and any fees that have been added. 

XXXX. The original name and address of the creditor to whom the debt is owed. 

XXXX. Copies of any agreements that show I agreed to the debt in question ( e.g., a signed contract or credit agreement ). 

XXXX. A complete transaction history or statement to substantiate the legitimacy and amount of the debt. 

Furthermore, if this debt has been cancelled or forgiven, in whole or in part, such that you are required to issue a XXXX form per IRS regulations XXXX I request that you provide a copy of the form. Cancellation of debt should not be reflected as an amount owed if it has in actual terms been forgiven and reported to the IRS. 

Please consider this letter a written dispute as permitted by the FDCPA. Upon receipt of this letter, please cease collection activities until the debt has been validated, as required by law. 

I appreciate your prompt attention to this matter and look forward to receiving the documents requested. Please reply in writing at the address provided. 

Thank you for your cooperation. 

Sincerely, 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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Subject : Fraudulent Wire Transfer Chase Bank Refusing Refund XXXX. What happened? 
I am filing this complaint because Chase Bank denied my fraud claim for an unauthorized wire transfer from my account. Chase has stated that because an OTP ( one-time password ) was sent to my phone number and the IP address matched, they are holding me responsible. However, I did not authorize this transaction and believe my account may have been compromised. 

I reported the unauthorized transaction to Chase, but they have refused to conduct a proper investigation into how my information was misused. 

I have requested the following from Chase, but they have failed to provide : A detailed audit log of the transaction ( including timestamps, device details, and geolocation ). 
Confirmation of whether the OTP was intercepted or if my account was remotely accessed. 
Evidence that my account was not compromised through hacking, malware, or social engineering. 
Despite my attempts, Chase has ignored my fraud claim and refuses to issue a refund.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: IN

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. 16811, 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 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 2025-02-04 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am contacting you this time to get back the balance in my account ( {$3100.00} )! My account was deactivated in early 2022! And square releases my account balance after 90 days of deactivation! But up to now my account is still unable to withdraw the remaining amount to my designated bank account!

My square account is not frozen in any judicial case! I understand that you froze my account balance for 90 days to prevent account disputes and refund problems! But now 2 years have passed without any pending disputed orders in my account! Please release the money in my account in accordance with square 's terms and conditions! Let me reiterate that I do not need to use the square account anymore! My account can remain deactivated! I just need the money back in my account!

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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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 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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  # XXXX amount {$13000.00}, XXXXXXXX XXXX  # XXXX amount {$2900.00}, XXXXXXXX XXXX # XXXX, amount {$540.00}, XXXX XXXX  # XXXX amount {$77.00}, XXXX XXXXXXXX XXXX  # XXXX, amount {$710.00} they deleted something called XXXX if they deleted that one they should delete all under section 605B and 15 U.S.C.1681 if they can not send the contract with my wet signature I want all credit bureau deleted off my credit and National Credit Adjust # XXXX XXXX, XXXX # XXXX, amount XXXX, XXXX XXXX XXXX XXXX, amount XXXX its been sold to someone and I was also exposed to data breach my claim number is # 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX # XXXX amount {$13000.00}, XXXXXXXX XXXX # XXXX amount {$2900.00}, XXXXXXXX XXXX # XXXX, amount {$540.00}, XXXX XXXX # XXXX amount {$77.00}, XXXX XXXXXXXX XXXX  # XXXX, amount {$710.00} they deleted something called AcceptanceNow if they deleted that one they should delete all under section 605B and 15 U.S.C.1681 if they can not send the contract with my wet signature I want all credit bureau deleted off my credit and National Credit Adjust # XXXX XXXX, XXXX # XXXX, amount XXXX, XXXX XXXX XXXX XXXX, amount XXXX its been sold to someone and I was also exposed to data breach my claim number is # 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 2025-02-04 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: GA

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the accounts are 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, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( b ). I request the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are marked inaccurate : XXXX XXXX XXXX XXXX - ACCT # XXXX. 

XXXX XXXX. 

XXXXXXXX XXXX XXXX ACCT # XXXX. 

XXXX XXXX  - ACCT # XXXX. 

XXXX XXXX - ACCT # XXXX. 

XXXX XXXX XXXX XXXX - ACCT # XXXX. 

XXXX XXXX XXXX - ACCT # XXXX. 

XXXX  XXXX CO - ACCT # XXXX. 

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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Metallicus, Inc.
State: MS

Complaint narrative:
Description of the Issue : I signed up for Metal Pay, completed their Know Your Customer ( KYC ) verification, and had my account fully approved. After approval, I attempted to purchase XXXX  ( XXXX ) and LOAN tokens using my debit card for {$23.00} USD. However, the payment failed, and my bank confirmed that no transaction attempt was received. Shortly after, when I tried to log in again, I received a message stating that my account was frozen, but I was never notified by Metal Pay about the freeze or the reason behind it. I immediately emailed their support, and after over a week with no response, I followed up again. Metal Pay finally responded, stating that after a thorough review, they will not support my account going forward, and their decision is final. They refused to provide a specific reason for freezing and closing my account. They also prohibited me from opening a new account. Key Issues : 1. Unjustified Account Termination : My account was approved, and I passed KYC verification. Metal Pay collected my personal data, only to freeze and terminate my account without reason. 2. Lack of Transparency & Due Process : I was given no explanation for why my account was frozen or closed. 3. Unprofessional Business Practice : Metal Pay failed to notify me of the freeze, leaving me locked out without warning. 4. Possible Unfair Business Practices : If my failed transaction triggered this, Metal Pays procedures are problematic and unfairly penalize users. Given that Metal Pay operates as a financial service, I believe the Consumer Financial Protection Bureau ( CFPB ) should investigate their practices to ensure they are compliant with financial regulations. Note : I have attached a screenshot of the email that my account approved. Thank you for your assistance.

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 TransUnion 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 a loan XX/XX/year> under the account number XXXX XXXX XXXXXXXX credit card These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation