vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital one has reported to credit bureau I have not made a payment to them the entire year of 2024 and I have bank records showing I have made payments ( some a little late but that's due to the date and them not allowing me to change my due date ) but I paid those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( 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 Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items ( XXXX XXXX XXXX  ) 2. Provide me with all documentation used to verify the accuracy of the disputed information.

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 Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of the negative item is listed below. I have disputed this multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and each time I dispute, it remains. It comes back verified with no details of how/where it was verified. It also list a new updated date and pushes the date of removal back to XX/XX/XXXX. I do not own an account with XXXX XXXX XXXX. I have disputed the misspelling of my name twice. I also noticed I started receiving bank notifications of my withdrawals/deposits with XXXX  that I dont recall signing up for alerts with Experian for my personal bank accounts. I had/have frozen my credit files with Experian, XXXX and XXXX. I have also listed fraud on all my credit files. Please delete this, as it is negatively affecting my credit history.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was deceptive and unfair, as we did not comply with error resolution requirements under the Electronic Funs 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 2025-01-25 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: GA

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 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 2025-01-24 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dispute of civil liability for negligence and noncompliance ( reference XXXX. XXXX ) XXXX accounts LVNV FUNDING LLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
I have sent dispute that you have failed to investigate and correct the matter XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$19000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXXXXXX XXXX Cell Phone with account # XXXX opened on XX/XX/XXXX and a balance of {$920.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have 3 late payments. On my XXXX report there are 1 late payments being reported. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX ). 

I AM FILING THIS FTC IDENTITY THEFT AFFIDAVIT TO REPORT 1 FRAUDULENT ACCOUNTS APPEARING ON MY CONSUMER FICO EXPERIAN CREDIT REPORT, WHICH I DO NOT RECOGNIZE AS REPORTED AND WHICH IS THE RESULT OF IDENTITY THEFT AND FRAUD. THIS FRAUDULENT ACCOUNT CONSIST OF A COLLECTION OPENED AT XXXX XXXXXXXX XXXX UNDER THE ACCOUNT NUMBER ( XXXX ). THIS ACCOUNT HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO CREDIT REPORT. I DEMAND THAT THE AFOREMENTIONED FRAUDULENT ITEM BE REMOVED FROM EACH OF MY CONSUMER CREDIT.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
No way to get money back for incorrect transfers. There was no verification steps to ensure you were sending money to the correct person or entity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, credit reporting agency XXXX, Equifax, XXXX. dear credit reporting agency formal dispute regarding inaccurate information, I'm writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being I'm aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies, as required by federal law. recently the consumer financial protection bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing ''sham investigations ''and other unlawful practices .these practices. as outlined by the CFPB, include .conducting inadequate investigations that fault address consumer disputes properly .reinserting previously disputed and inaccurate information without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OH

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 S {$5500.00} ( a ) ( XXXX ) ( 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. 
Accounts that need removed due to inaccurate information is below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( three listed that I am authorized user on not owner but it is reporting late on my credit files XXXX- I was authorized user not owner but late payments are effecting my credit file negativity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting on my credit file by XXXX and to bring to your attention your non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

XXXX has reported late payments on my account for the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These reports are inaccurate, as the account in question was in a deferment status during this period, meaning no payments were due or required. Under the FCRA, XXXX is legally obligated to report accurate information, and these late payment entries are factually incorrect and damaging to my credit profile. 

Additionally, XXXX  failure to ensure the accuracy of the information reported violates my rights under the FCRA. Specifically, I am referencing : 15 U.S.C. 1681e ( b ) : Obligation to follow reasonable procedures to assure maximum possible accuracy of the information in credit reports.

15 U.S.C. 1681i ( a ) : Requirement to conduct a proper investigation into disputed information when notified by a consumer.

I kindly request that you take the following actions immediately : Remove all late payment entries listed above from my credit report.

Conduct a thorough investigation into this matter as mandated by 15 U.S.C. 1681i ( a ).

Provide written confirmation that the inaccurate information has been removed and ensure that my credit report reflects the accurate account status.

Failure to comply with these requests may result in further legal action to enforce my rights under the FCRA. Please treat this as a formal dispute under 15 U.S.C. 1681 and provide a resolution within the legally required timeframe.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the inaccuracies have been corrected.

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

Complaint narrative:
Cash app was fraudulent I have pictures of the money that was taken from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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 propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Below is a list of said accounts XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX View details Account Status CLOSED XXXX XXXX XXXX XXXX Payments XXXX Age of Account XXXX XXXX XXXX XXXX View details Account Status CLOSED Credit XXXX XXXX  Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX View XXXX Account Status CLOSED XXXX XXXX XXXX  Late Payments XXXX Age of Account XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX View details Account Status CLOSED XXXX XXXX XXXX Late Payments XXXX Age of Account 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 2025-01-25 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: NY

Complaint narrative:
Experian 's Failure to Properly Investigate Credit Disputes Experian 's refusal to adequately investigate and reinvestigate inaccuracies on my credit report. Despite submitting multiple disputes and providing supporting evidence, Experian has failed to correct or provide sufficient responses for the following inaccurate accounts on my report. 

# # # XXXX. *XXXX XXXXXXXX XXXX - **Account Number : ** XXXX... 
- **Discrepancy : ** The account reflects a charged-off balance of {$12000.00} and incorrect delinquency reporting for several months. 
- **Issues Raised : ** - The accounts payment history contains contradictory or unclear information, particularly between XX/XX/XXXX and subsequent months. 
- Despite my dispute, the account was marked as " unchanged '' during the XX/XX/XXXX reinvestigation without justification or clear evidence from the data furnisher. 

# # # XXXX. XXXX XXXX XXXX **Account Number : ** XXXX - **Discrepancy : ** The account lists a {$3500.00} charge-off but fails to align with my submitted documentation. 
- **Issues Raised : ** - The charge-off status for XXXX ( XXXX through XXXX ) is inaccurate and fails to reflect my dispute evidence. 
- The accounts comment states it was " closed at the credit grantors request, '' yet further details are missing, and my dispute was inadequately addressed. 

# # # XXXX. XXXX XXXX - **Account Number : ** XXXX... 
- **Discrepancy : ** A charged-off balance of {$14000.00} and a {$9000.00} credit limit are reported inaccurately. 
- **Issues Raised : ** - Payment history inconsistencies, including reporting of XXXX payments despite previous payments documented in XX/XX/XXXX. 
- My dispute evidence was ignored, and the reinvestigation only updated the account without resolving the inaccuracies. 

# # # XXXX. XXXXXXXX XXXX XXXXXXXX - **Account Number : ** XXXX... 
- **Discrepancy : ** A charge-off amount of {$4100.00} is inaccurate based on my submitted documentation. 
- **Issues Raised : ** - Delinquency dates and charge-off reporting fail to reflect my evidence and dispute claims. 
- The XX/XX/XXXX reinvestigation again marked the account as " unchanged '' without proper explanation or supporting evidence from XXXXXXXX XXXX 

# # # Summary of Experians Violations - **Failure to Conduct a Reasonable Investigation : ** Experian did not adequately verify or correct the inaccuracies I disputed and instead rubber-stamped the existing erroneous data. 
- **Noncompliance with FCRA : ** Experians refusal to correct or clarify discrepancies violates the Fair Credit Reporting Act ( FCRA ) under Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( B ).

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: IL

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