vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
This is my third formal dispute regarding the inaccurate reporting of my XXXX XXXX XXXX ( Account No. XXXX ) account on my TransUnion credit report. Despite previous disputes, TransUnion has failed to correct this error, which falsely reports the account as late. This misrepresentation is damaging my creditworthiness and contradicts the accurate reporting by XXXX, which shows no late payments. I have consistently paid this account on time, and TransUnions refusal to correct this discrepancy constitutes multiple violations of federal law. TransUnions inaccurate reporting violates 15 USC 1666b ( a ), which prohibits treating payments made within the agreed timeframe as late. Additionally, under 15 USC 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. TransUnions failure to do so reflects a lack of compliance with this legal standard. Further, 15 USC 1681s-2 ( b ) obligates furnishers of information to investigate and correct inaccuracies upon receiving a dispute notice, yet this requirement has been disregarded. TransUnion is also in violation of 15 USC 1681i ( a ), which mandates a timely and thorough reinvestigation of disputed information. The repeated failure to resolve this matter demonstrates willful negligence under 15 USC 1681n, which allows for damages of up to {$1000.00} per violation, as well as negligent noncompliance under 15 USC 1681o, holding TransUnion liable for the actual damages caused by this inaccuracy. Moreover, this issue breaches 12 U.S.C. 5531, which requires fair, clear, and transparent practices in consumer financial services, including proper dispute handling and accurate credit reporting. TransUnion has failed to meet these obligations. The continued failure to resolve this matter is causing ongoing harm to my credit score, financial well-being, and peace of mind. TransUnions negligence in addressing this matter despite repeated notices has subjected me to unnecessary stress and financial harm. I demand immediate correction of this account to reflect the accurate payment history already reported by XXXX. Failure to resolve this matter promptly will leave me no choice but to pursue further legal remedies, including regulatory escalation and litigation to recover damages under applicable federal statutes. I expect a response confirming corrective actions within 14 days of receipt of this letter.

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 2025-01-29 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 a complaint against cash app ( Block, inc. ) Due to inadequate customer services and unfair practices, which violates the consumer Financial Protection Act ( CFPA ) specifically, cash app failed to take timely an 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 Tranfer 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. ( 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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My name is XXXX, Im filing a complaint to XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credits. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit History

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

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 XXXX : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/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 XXXX 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 Equifax 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: 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 XXXX 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 ( File No. 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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are addresses on my credit report that are not my addresses and they need to be removed along with any debt collections associated with these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
Here is a formal dispute letter you can use to challenge the inaccuracies in your credit report regarding the Self/Lead account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XX/XX/XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX, PA XXXX XXXX : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX XXXX XXXX XXXX am writing to formally dispute an inaccuracy on my credit report regarding my Self/Lead account. Upon reviewing my credit report, I noticed that the information reported is incorrect and needs to be updated or removed immediately. Below are the specific inaccuracies : XXXX. Account XXXX : My account with Self/Lead was paid off in full and closed on XX/XX/XXXX. However, the account status still shows Closed without reflecting that it was paid as agreed and in good standing. This could negatively impact my credit score, and I request an update to reflect the accurate status. 
XXXX. Payment History : I have made XXXX XXXX on-time payments for this account, as evidenced by the records. Please ensure that my payment history accurately reflects my consistent, timely payments. 
XXXX. Worst Payment Status : My account never had any late payments, yet there is no information listed under Worst Payment Status. This should clearly indicate a positive payment history rather than missing information. 
XXXX. Term Length Discrepancy : My loan was originally a XXXX ( XXXX ) term but was fully paid off in just over a year. The report does not specify this correctly, which could mislead future lenders. 

I request that XXXX investigate these inaccuracies with Self/Lead and correct my credit file to accurately reflect my positive payment history and loan payoff. Please update the information and provide me with a corrected copy of my credit report. If you determine that the information can not be verified, I ask that the disputed items be removed under the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of my credit report, account details, and supporting documentation for your reference. 

Please respond to this dispute in writing within XXXX  days as required by the FCRA. If you need any additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These accounts and negative entries are severely impacting my financial stability, credit health, and overall well-being

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 2025-01-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Follow-up Complaint Regarding Inadequate Dispute Resolution and FCRA Violations- Pattern of Systematic Investigation Failures On XX/XX/year>, I filed a CFPB complaint regarding credit reporting inaccuracies. Equifax 's response on XX/XX/year> was inadequate and failed to comply with FCRA requirements. This inadequate response appears to be part of a broader pattern of systematic investigation failures, as evidenced by the lawsuit filed against Equifax on XX/XX/year>, regarding their dispute investigation practices. My experience demonstrates the same problematic practices cited in this legal action. 

Evidence of Systematic Investigation Failures : Equifax 's response to my dispute mirrors the allegations in the XX/XX/year> lawsuit Their generic, boilerplate response demonstrates a failure to conduct proper individualized investigations The pattern of deflecting to " previous disputes '' without addressing current disputes appears to be a systematic practice Their failure to provide specific documentation aligns with broader allegations of inadequate investigation practices Failure to Provide Required Documentation ( FCRA 611 ) : Equifax failed to provide any documentation proving how they verified the disputed accounts No evidence of communications with furnishers was provided No specific verification methods were detailed for individual accounts No names or contact information for verification sources were supplied Improper Handling of Individual Account Disputes : For XXXX XXXX XXXX XXXX  and XXXX  XXXX XXXX  XXXX XXXX : Equifax deflected by claiming " previous disputes '' without addressing the current dispute No verification documentation was provided No explanation of how these accounts were investigated Failed to provide results of current investigation For XXXX XXXX XXXX XXXX : Equifax merely stated the account is " not currently reporting '' No explanation provided for why the account is no longer reporting No documentation of steps taken to verify this status No information about when or why this change occurred For XXXX XXXX XXXX : No documentation of steps taken to verify this status No verification documentation was provided Violation of FCRA Investigation Requirements : Equifax provided only a generic description of their investigation process No specific details about steps taken for my particular disputes Failed to provide " all relevant information '' regarding the investigation Did not include required documentation of furnisher communications

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding JPMCB/Chase Banks failure to provide me with a XXXX form for tax reporting purposes. My previous complaint with the CFPB was closed on XX/XX/year> ( XXXX XXXX. XXXX ) based on JPMCB/Chase Banks response. However, the issue remains unresolved as I have not received the required XXXX form that was owed to me. 

As of today, I have not received any communication from JPMCB/Chase Bank that fulfills their legal obligation to provide this XXXX form. This failure to provide the form is causing unnecessary confusion and potential complications with my tax filing. Despite numerous inquiries, I have yet to receive the document. 

I am requesting the XXXX form for the tax year in question, which JPMCB/Chase Bank is required to issue. JPMCB/Chase Bank has not sent me this form, which they are legally obligated to provide for the year the account was charged-off. 

CFPB Case Number : As referenced above, the previous case was closed on XX/XX/year>, but the core issue of receiving the XXXX form was not addressed satisfactorily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is new and relevant information to a letter from XXXX XXXX XXXX, addressed to an incorrect first name but my correct last name, saying I had an unpaid bill for {$150.00} with Wayfair. They closed my complaint, saying they attempted to contact me. But they contacted me from Citi, which was never named as the entity that would be contacting me, so it appeared to be phishing attempts. I see in their response that the letter was illegible, and this is because the image attachment resolution was too low. Now that I see that this was the information they were looking to collect, I can provide it. Here is the information from the letter. 


XX/XX/year> XXXX XXXX XXXX XXXX XXXX, We're reaching out on behalf of Wayfair to assist in resolving a past due amount of {$150.00}. You can access detailed information about your account through our Customer Portal. 

ACCOUNT SUMMARY Reference # : XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX TOTAL DUE : {$150.00} All amounts are in USD.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to XXXX  that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-29 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: ME

Complaint narrative:
please refer to the attachments pertaining to the Equifax data breach.

Company response to consumer: Closed with explanation