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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

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 incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as 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

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX SC Account Number : XXXX Balance : {$0.00} Open date : XX/XX/XXXX Account Name : XXXX CREDIT Account Number : XXXX Balance : {$46000.00} Open date : XX/XX/XXXX Account Name : XXXX CARD Account Number : XXXX Balance : {$1700.00} Open date : XX/XX/XXXX Account Name : THE BUREAUS Account Number : XXXX Balance : {$1500.00} Open date : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Open date : XX/XX/XXXX INQUIRIES : XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX In accordance with section XXXX of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days. Please notify me of the actions taken in response to this request.

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 2025-01-23 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: CA

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 of 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 disputes outcomes. Theses 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 2025-01-23 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: AL

Complaint narrative:
I am filing a complain against Equifax for falling to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practices violates the Fair Credit Reporting XXXX XXXX which mandates a reasonable investigation of disputes.Futhermore Equifax actions XXXX also contravene the Consumer Financial protection Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the XXXX recent administrative proceedings ( 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 explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
The company XXXX XXXX XXXX reported on my credit report stating I opened an account on XX/XX/XXXX with XXXX XXXX. I provided documentations to show proof that this information reported was incorrect. Instead of removing this incorrect information off my credit report, they reported that I opened this account on XX/XX/XXXX, which is incorrect information again. I do not have no knowledge of this account at all. They are defaming my name by deliberately trying to keep this incorrect information on my credit report. They have not provided me with any documentation of proof that this debt is owed.

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 2025-01-23 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. Experian has failed to fulfill its legal obligation under the fair credit 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. I am requesting Immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer.

The disputed accounts include XXXX resorts, and 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 2025-01-23 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: FL

Complaint narrative:
There are clear inaccuracies on my credit report regarding certain 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX traded XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX thinking I was gon na get a good deal. I did not the XXXX  was off my hands, but I still have problems with the XXXX XXXX XXXX it had water damage and electrical problems and I asked that the XXXX XXXX XXXX get picked up after months practically two months of having a car and patching up the water damage. The lights wouldnt go off inside the car and I had had enough so I gave up my rights to driving because I had such a bad deal with the with the vehicle the VIN number. Is XXXX XXXX XXXX XXXX XXXX. The last person that owned the car contract was in the glove compartment. She got it from XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX and I see her payments were {$380.00} XX/XX/XXXX they sold me the vehicle with the 19 Point two interest rate for XXXX XXXX  monthly payments. The other drivers name is XXXX XXXX and she had a cosigner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then there was another name here. I dont know if its XXXX Other name XXXX XXXX XXXX with the same address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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.
State: VA

Complaint narrative:
Dear Sir/Madame, I wrote to all 3 major credit agencies XXXX, XXXX and TransUnion, to dispute negative items from my credit report and here is following. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 

To whom it may concern, Im writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1581i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Reporting Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. 
Specially, in a lawsuit filed against XXXX the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under CRPB.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a through and reasonable reinvestigation of disputed items within 30 days. Furthermore under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that XXXX : 1. Provide me with documentation used to verify the accuracy of the disputed information.

2. Conduct a thorough investigation of the following disputed accounts or items from ( XXXX XXXX ) and ( XXXX ). 

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards.

A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

Please respond to this dispute in writing within legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2025-01-23 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: VA

Complaint narrative:
Dear Sir/Madame, I wrote to all 3 major credit agencies XXXX, Equifax and XXXX, to dispute negative items from my credit report and here is following. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 
Despute Department.

To whom it may concern, Im writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1581i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Reporting Bureau ( CFPB ) have brought to light significant concerns regarding XXXX failure to conduct proper investigations. Specially, in a lawsuit filed against XXXX the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under CRPB.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a through and reasonable reinvestigation of disputed items within 30 days. Furthermore under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that XXXX : 1. Provide me with documentation used to verify the accuracy of the disputed information.

2. Conduct a thorough investigation of the following disputed accounts or items from ( XXXX XXXX ) and ( XXXX ). 

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards.

A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

Please respond to this dispute in writing within legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I formally demanded an immediate investigation and correction of several inaccuracies on my credit report. I identified specific entries that I believe are incorrect, including late payments that I assert should be updated to reflect that they were paid as agreed and never late. I referenced 15 U.S.C. 1666b, which pertains to the timing of payments, to support my request for these updates.

Additionally, I raised concerns about multiple debts reported by various collectors, invoking 15 U.S.C. 1692g, which requires debt collectors to validate any alleged debts before continuing collection efforts. I requested that TransUnion provide proof of these debts, including original documents bearing my signature and any contracts between the debt collectors and the original creditors. I emphasized that if they failed to provide this information, the items should be deleted from my credit report.

I also pointed out unauthorized hard inquiries on my report, citing 15 U.S.C. 1681b ( a ) ( 2 ), and requested the deletion of these inquiries. Furthermore, I disputed incorrect personal information, including addresses that do not belong to me.

Under the Fair Credit Reporting Act ( FCRA ), I reminded TransUnion of their obligation to investigate disputes and correct inaccuracies within 30 days, as outlined in 15 U.S.C. 1681i. I referenced case law to underscore the necessity of a thorough investigation and the potential liability they face for non-compliance.

I expect a prompt and thorough investigation, along with written confirmation of their findings. I made it clear that if this matter is not resolved within the legally mandated timeframe, I am prepared to escalate the issue to regulatory agencies or pursue legal action. I also requested a detailed description of the procedures used during their investigation, as required by law.

In summary, I am seeking immediate action to correct my credit report and ensure compliance with federal laws governing credit reporting.

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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
for the past year, I have been disputing items with all 3 credit bureaus that are inaccurately reporting on my credit reports. This inaccuracy and lack of sending accuracy/ item validation reports when I've disputed the items has affected me a lot. I've had to take high interest rates and been denied of getting a home for my children and I.

Each time I dispute the next day or two they respond with " credit verified but no itemized or proof of how or where it was verified.

Ive disputed the following companies for inaccuracy, paid off, or items i have no idea about XXXX XXXX XXXX XXXXXXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request the CFPB investigate this matter and work with the reporting agency to have this collection removed from my credit report. Also, I would like to ask you to confirm the findings and actions taken regarding this complaint.

Thank you for your assistance. I look forward to a prompt resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I attempted to consolidate debt through a home equity loan with XXXX. I was informed that none of my credit reports could be pulled, and was told to check with each of the three credit bureaus to unfreeze my credit.

Upon calling, creating accounts, and checking if those accounts ( and subsequently, my credit ) were frozen, I found none were frozen nor locked.

I am able to access my credit reports from all three bureaus, but lenders are unable to see my full report nor my credit scores.

I reached out to XXXX on XX/XX/2025 and am filing this complaint on the same day.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I attempted to consolidate debt through a home equity loan with XXXX. I was informed that none of my credit reports could be pulled, and was told to check with each of the three credit bureaus to unfreeze my credit.

Upon calling, creating accounts, and checking if those accounts ( and subsequently, my credit ) were frozen, I found none were frozen nor locked.

I am able to access my credit reports from all three bureaus, but lenders are unable to see my full report nor my credit scores.

I reached out to XXXX on XX/XX/year> and am filing this complaint on the same day.

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