vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's action 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX**

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX ; an auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX ; a utility account opened with XXXX XXXX on XX/XX/XXXX ; a collection account with XXXX, associated with apartment debt, opened on XX/XX/XXXX ; a collection account with XXXX XXXX XXXX, assumed to be apartment debt, opened on XX/XX/XXXX ; a collection account with XXXX XXXX XXXX, opened on XX/XX/XXXX ; a collection account with XXXX XXXX, opened on XX/XX/XXXX ; XXXX collection accounts with XXXX XXXX XXXX, XXXX opened on XX/XX/XXXX, and the other on XX/XX/XXXX ; a collection account with XXXX XXXX XXXX, associated with apartment debt, opened on XX/XX/XXXX ; a collection account with XXXX XXXX XXXX, opened on XX/XX/XXXX ; a collection account with XXXX, assumed to be associated with apartment debt, opened on XX/XX/XXXX ; and a collection account with XXXX XXXX, opened on XX/XX/XXXX. I have attached a list of the hard inquiries in question, along with a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or any of the hard inquiries reported. All of these items are the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Report ( # [ Private Case Number ] ) as proof from the U.S. Federal Trade Commission that the above accounts, collections, and hard inquiries are fraudulent. I respectfully request that you block the fraudulent information from my credit file within four ( 4 ) business days, as required by FCRA 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX 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
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( 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 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: WA

Complaint narrative:
XXXX XXXX IS A NON BANK LENDER who launders loans through XXXX XX/XX/XXXX ( and other Utah banks ) in order to attempt to evade state interest rate laws that forbid loans at such predatory rates. These XXXX XX/XX/XXXX partners have been the subject of extensive complaints, as well as enforcement actions and private lawsuits. Collectively, the complaints against the loans enabled by the bank reveal : Lack of transparency around high interest rates Unaffordable loans that borrowers are unable to repay Receiving loans that they never applied for and identity theft Improper debt collection tactics, including collecting debt not owed, failure to validate debts, harassment and abuse Credit reporting problems, including incorrect information and failure to respond to disputes and errors. XXXX XX/XX/XXXX enables predatory loans and from allowing itself to be used by nonbank lenders to evade state consumer protection laws. This is illegal and currently under investigation and is also abusive lending practices by XXXX XXXXXX/XX/XXXX. As indicated above, XX/XX/XXXX helps number nonbank lenders make triple-digit APR loans in states where those loans are illegal such as Washington State ( Some of those lenders also use other banks in some states. ) These rent-a-bank schemes are of questionable legality.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 ( 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 redres : for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed negative reports on my credit scores. Some was removed but placed back in my reports as if it was never removed. I have requested this since XXXX. Been paying {$25.00} a month just to get in my account. My score has never been pass XXXX which is odd.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They have called me several times a week for monthsthe latest dates are : XXXX XXXX that day, XX/XX/XXXX XXXX that day, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with Portfolio Recovery Assoc, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting misspelled versions of my name and will not remove them so it does not allow me to dispute any collections on my accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
After putting a {$9000.00} down payment i learned that the super high interest was paid on the used car first and i still owed a full balance for the car. Ultimately i have paid for the car twice since the engine went out after only a year of having it and it was nothing they could do because the warranty was only 30days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
While reviewing my credit report, I discovered inaccuracies that require immediate attention. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, the three major credit bureaus are obligated to verify the accuracy of the listed accounts. If supporting documentation can not be provided within the legally mandated timeframe, the reporting of such unverified information is not permitted. I request a thorough investigation and necessary corrections for the following accounts appearing on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
While reviewing my credit report, I discovered inaccuracies that require immediate attention. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, the three major credit bureaus are obligated to verify the accuracy of the listed accounts. If supporting documentation can not be provided within the legally mandated timeframe, the reporting of such unverified information is not permitted. I request a thorough investigation and necessary corrections for the following accounts appearing on my credit report. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$51000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: 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 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCA ), ( 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. 2025-CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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

Complaint narrative:
I received a XXXX tax form in the mail from Cash app or block. It only had transactions from XXXX and XXXX. XXXX and the amount of {$70.00} and in XXXX an amount of {$21000.00} I called Cash app to look into what account was using my information And my address and they would not tell me because it was not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: GA

Complaint narrative:
After us auto sales shut down and the contracts were transferred over to XXXX XXXX, I asked numerous of times for my contract to be emailed to me. They stated that they would do it, but it was never sent. After I made a payment on my car in XX/XX/year>, the car was repossessed the very next week. Im still receiving emails and phone calls saying I will have to pay XXXX to offset the balance, although the vehicle was sold, plus I never got to collect my personal belongings because they took the car so far, then the XXXX company said I would have to pay {$90.00} to get my belongings. I purchased a warranty with us auto sales which I was unable to use because they put the wrong mileage on the paperwork for the warranty. XXXX XXXX stated that I didnt have anything. Plus they wrongly repossessed the car

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

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

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have recently checked my credit reports and see some inaccurate accounts reporting. Per the CFPB, you are required to properly investigate this dispute thoroughly and in a timely manner. You are not allowed to ignore my dispute of the inaccuracies on my credit report. Please see attached, disputed information is included in the letter. All identification documents including ID, Social Security Card, and Proof of address is also attached so please do not stall.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
This creditor has failed to send me a 1099 c form of validation of debt. Under the FCRA i will seek statutory damages for this creditor that furnishes inaccurate information about a debt, such as incorrectly reporting this is a FCRA Violation : Charge Off showing a balance after your issued a 1099-C. If a creditor issues you a 1099-C that means they discharged the debt and you don't owe that creditor anvmore. So therefore it should reflect on your credit report as {$0.00} balance. it's listed on my credit report as debt but is listed as account receivable for this creditor. which means they are paying taxes on this debt. this a profit and loss for this company. they have failed to deliver me a 1099 c of this debt.

Company response to consumer: Closed with explanation