vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: NJ

Complaint narrative:
Disputes Report # XXXX Dispute Report Date : XX/XX/XXXX ( 5 Disputes ) **********XXXX XXXX XXXX Account XXXX I closed this account in XXXX. I requested that is be removed from my credit report in XXXX, and received a respond that It was removed ( SCREENSHOT ATTACHED ). I did not know it was still on my credit report until XX/XX/XXXX AND listed as Potentially Negative. When I once again requested that this account be removed, I received a response that this was processed yet it still remains. What is worse is Experian then added. Account charged off. {$6.00} past due as of XX/XX/XXXX Which as not there before, and again, this is after they said it was deleted in XXXX. I do not believe this dispute was investigated accurately. 

XXXX Account # XXXX This account was opened in XXXX, and I paid this account off in XXXX. It was never late and paid/closed, as reported on my credit report. I requested that this account be removed from account, yet it was left. I do not believe this dispute was investigated accurately. 

**********XXXX  ( 3 accounts ) Account # XXXX I settled 3 XXXX student loans. There was an error in XXXX which was logged as no data. These accounts have been active since XXXX, and should always have had data. I requested that these paid accounts be removed from my credit report, even if a goodwill deletion, and Experian left all three accounts. I do not believe these disputes were investigated accurately. 
Loan 1 : Original amount {$4600.00} - Paid off with {$6900.00} Loan 2 : Original amount {$6800.00} - Paid off with {$11000.00} Loan 2 : Original amount {$17000.00} - Paid off with {$30000.00} **********The XXXX XXXX XXXX XXXX Account # XXXX I opened this account in XXXX. It was fully paid and never late. I requested a goodwill deletion from Experian and they simply left it. I do not believe this dispute was investigated accurately. 

**********XXXX  Account # XXXX My car was never repossessed, yet I saw this on my Experian credit report a few months ago. Account opened in XXXX, and I paid it off. I called XXXX, and they no longer have my account in their files. I requested that this account be removed from my credit report, yet it remained. I do not believe this dispute was investigated accurately. 

[ I have attached 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 2025-01-26 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the Item I am asking you to verify as accurate : Experian : 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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 2025-01-26 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 submitting this complaint due to the credit reporting agencies continued failure to correct inaccurate information and their deliberate stalling tactics in resolving my disputes regarding an account from XXXX XXXX ( Account # XXXX ). Despite multiple disputes submitted to XXXX, XXXX, and TransUnion, this account remains inaccurately reported and inconsistent across all three credit reporting agencies. TransUnion reports the account as XXXX XXXX - XXXX XXXX and settled for less than the full balance, with a last reported date of XX/XX/XXXX. XXXX reports the account as Paid and legally settled for less than the full balance, with a last reported date of XX/XX/XXXX. XXXX continues to report the account as XXXX XXXX but has updated it as of XX/XX/XXXX, despite the account being settled years earlier. These conflicting reports violate my rights under the Fair Credit Reporting Act ( FCRA ) and demonstrate the credit reporting agencies failure to maintain maximum accuracy as required by 15 U.S.C. 1681e ( b ). I have repeatedly disputed this account with all three credit reporting agencies. Instead of resolving the errors, they have delayed their responses, ignored my disputes, or improperly verified inaccurate information without conducting a proper investigation. This behavior is a clear violation of 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information within 30 days. Additionally, I have requested a Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 2 ) ( B ), yet the credit reporting agencies have failed to provide an adequate response. Their failure to disclose their verification process further suggests that this account can not be properly verified and should be removed.

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 2025-01-26 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: CA

Complaint narrative:
I disputed accounts for no knowledge I wan those accounts removed from my reports

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 2025-01-26 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 disputed accounts for no knowledge I wan those accounts removed from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a XXXX transfer of {$2000.00} dollars on XXXX XXXX XXXX but the recipient said she never received the funds. I then lodged a complaint with Wells Fargo after which they wrote me a letter that the money was delivered to the bearer. A claim number XXXX was allocated to the complaint.

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 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Vehicle was repossessed and sold I do not owe balance on vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
Romance scam started on the dating app XXXX they used XXXX XXXX, first contact was XX/XX/year>. Totaling around {$120000.00} stolen in different cryptocurrency, the transfers that were included are from Coinbase XXXX. Coinbase XXXX supported the scammers site. The other accounts like XXXX and XXXX shut down my accounts when the fraud was reported, I was told by the scammer that the website, XXXX XXXX XXXX, in Coinbase XXXX XXXX XXXX investment site. Please contact me if you need any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 2025-01-26 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: SC

Complaint narrative:
I pulled a copy of my credit report due to a data breach notice that I recieved and noticed the folling account listed on my credit report thats not mine and was not authorized by me the account listed needs to be removed 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 2025-01-26 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: MN

Complaint narrative:
I have requested for XXXX XXXX, Director of the Consumer Financial Protection Bureau ( CFPB ) of the United States to review this complaint. The following accounts and hard inquiries currently listed and showing on my XXXX, Equifax and XXXX XXXX credit report is fraudulent accounts and hard inquiries : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-26 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CO

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 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 2025-01-26 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:
To Whom It May Concern, Im writing because Im really frustrated with how Experian XXXX XXXX handled my recent credit dispute. Ive recently learned about the CFPB lawsuit against Experian and XXXX, and I think my situation is connected to the problems theyre both being sued for. I disputed an account on my credit report, but you didnt seem to investigate it properly. The account Im disputing is [ XXXX XXXX  XXXX ] with account number XXXX, [ XXXX XXXX  XXXX ] with account XXXX XXXX on my credit report 4 times, and XXXX XXXX XXXX XXXXXXXX XXXX, The issue is that the information about this account is wrong. On top of that, their response didnt explain much. I didnt get any proof or details about how they verified the account. And this is hurting my ability to get a home for my family! Heres what Im asking for : Do a proper investigation as REQUIRED by law. Remove the incorrect account or information from my credit report if the company cant verify it. Send me clear results showing exactly what you did to verify these accounts and share any proof you used. Dont let these accounts come back on my report unless you can prove its accurate and give me written notice first. Im asking you to resolve this within 15 days, as required by the Fair Credit Reporting Act. If this isnt fixed, Ill have no choice but to file a complaint with the CFPB and take further action to protect my rights which I am doing now. Thank you for handling this quickly. I look forward to hearing from you soon. 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 2025-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
Firstly I'm a Combat Injured Veteran 100 % XXXX  XXXX and XXXX. I got a loan with onemain financial to pay for a lawyer to fight for my daughter because my ex wife put my daughter in the hospital. Then I became very sick and ended up in the hospital multiple times and for long periods of time. XXXX XXXX  and still ongoing treatments over the last year and a half. They worked with me in the beginning but I can't get ahead of the intrest. I've started missing payments because of just trying to pay my mortgage and utilities and car payment plus food. Just trying to live with a family of XXXX. Now they are calling me up to XXXX  times a day harassing me nonstop. They've called me XXXX times in the last 5 days. It's very disturbing and nerve-wracking. I can't sleep because all I do is think about how I'm so far behind there's no possible way to catch back up with such a high intrest rate loan. All because I got sick and my wife had to take off work to go to the doctor with me and be with me at the hospital. How can this be legal to call someone XXXX times in 5 days? It never stops! I have phone records to show proof of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
Removal of all fraudulent accounts associated with US code 15 USC 1681 due to multiple data breaches

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 2025-01-26 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: FL

Complaint narrative:
Removal of all fraudulent accounts associated with US code 15 USC 1681 due to multiple data breaches

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: AL

Complaint narrative:
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 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, Experians 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 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, Experians 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 Experian complies with federal law and provides consumers with the necessary proof of 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