vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: ND

Complaint narrative:
Experian has failed to fulfill its legal obligations under the FAir Credit Reporting Act ( FCRA ) to conduct 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 disputed information outcomes. These failures align with my experience, where Experian has neither corrected or 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 Experians 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 2025-02-13 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: NC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-14 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: MI

Complaint narrative:
XXXX XXXX XXXX, am writing to formally dispute the inaccurate and unverifiable information on my credit report under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. The following account ( s ) are being reported incorrectly and must be deleted immediately : Account Name : 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 XXXX XXXX XXXX XXXXeason for Dispute : Inaccurate, Unauthorized, and Unverifiable Legal Basis for Immediate Removal : 1. 15 U.S.C. 1692c If this account was placed by a debt collector, I invoke my right to cease communication. Any continued reporting violates my consumer rights.

2. 15 U.S.C. 1681i Under the FCRA, the burden of proof is on the furnisher of information. If you can not verify this account within 72 hours, it must be deleted.

3. 15 U.S.C. 1681g I request all records used to verify this debt, including the original signed contract with my wet-ink signature. If such proof can not be provided, this account must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-13 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit file by XXXX XXXX ( Account # : XXXX ) and recorded by Experian and Equifax. Upon reviewing my credit report from XXXX dated XX/XX/year>, I identified the following inconsistencies : 1. Delinquent Account Reporting Inconsistency : TransUnion reports 0 delinquent accounts, yet Experian and Equifax each report 1 delinquent account for XXXX XXXX ( Account # : XXXX ). 
If this delinquency were valid, it should be consistently reported across all three credit bureaus. 

2. Account Status & Payment History Mismatch : The account in question is reported as " Current '' under the payment status but still appears as delinquent on Experian and Equifax.

This is an apparent contradiction, and I request verification of this reporting.

3. Potential FCRA Violation Incorrect Reporting Period : If this account has been delinquent for over 7 years, it should no longer appear on my report.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ), negative information must be removed after 7 years. I request the date of the first delinquency to verify compliance. 

4. Failure to Validate Debt Before Reporting : Under 15 U.S.C. 1681s2 ( a ) ( 1 ), a creditor must ensure the accuracy of information before reporting to credit bureaus.

If Capital One failed to notify me of this delinquency, they are in violation of the FCRA and should delete this record.

Requested Resolution : I demand an immediate investigation and removal of this incorrect delinquency if XXXX XXXX can not provide adequate verification. 
I request that the results of this investigation be sent to me in writing within 30 days, as per FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Please treat this as a formal dispute under my rights granted by the FCRA and Fair Debt Collection Practices Act ( FDCPA ). Failure to correct these inaccuracies may result in a formal complaint with regulatory authorities.

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 2025-02-13 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit file by XXXX XXXX ( Account # : XXXX ) and recorded by Experian and Equifax. Upon reviewing my credit report from XXXX dated XX/XX/year>, I identified the following inconsistencies : 1. Delinquent Account Reporting Inconsistency : TransUnion reports 0 delinquent accounts, yet Experian and Equifax each report 1 delinquent account for XXXX XXXX ( Account # : XXXX ). 
If this delinquency were valid, it should be consistently reported across all three credit bureaus. 

2. Account Status & Payment History Mismatch : The account in question is reported as " Current '' under the payment status but still appears as delinquent on Experian and Equifax.

This is an apparent contradiction, and I request verification of this reporting.

3. Potential FCRA Violation Incorrect Reporting Period : If this account has been delinquent for over 7 years, it should no longer appear on my report.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ), negative information must be removed after 7 years. I request the date of the first delinquency to verify compliance. 

4. Failure to Validate Debt Before Reporting : Under 15 U.S.C. 1681s2 ( a ) ( 1 ), a creditor must ensure the accuracy of information before reporting to credit bureaus.

If Capital One failed to notify me of this delinquency, they are in violation of the FCRA and should delete this record.

Requested Resolution : I demand an immediate investigation and removal of this incorrect delinquency if XXXX XXXX can not provide adequate verification. 
I request that the results of this investigation be sent to me in writing within 30 days, as per FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Please treat this as a formal dispute under my rights granted by the FCRA and Fair Debt Collection Practices Act ( FDCPA ). Failure to correct these inaccuracies may result in a formal complaint with regulatory authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 proce 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 2025-02-13 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: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX ; Private SSN ), Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account from XXXX XXXX # XXXX {$7600.00} opened XXXX, XXXX XXXX XXXX # XXXX opened XXXX {$42000.00}... These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief. 
I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the TransUnion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-13 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: WA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestment 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 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 2025-02-13 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: CT

Complaint narrative:
Im deeply concerned about the recurring errors on my report that continue to harm my score and limit my future opportunities. Seeing these mistakes time and again is frustrating and disheartening, especially when they are out of my control. Its unfair that Im being penalized for inaccuracies that shouldnt even be there. These errors are affecting my financial health and my ability to grow.

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 2025-02-13 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: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. is falsely reporting a derogatory mark on my credit report despite my account being canceled years ago. I previously disputed this with the credit bureaus, but XXXX continues to submit false information, harming my credit score. 

I demand an immediate removal of this inaccurate report. XXXX has a pattern of continued improper billing despite customer cancellations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am filing a complaint against Chase Bank for unjustly terminating my account, withholding my funds, and providing poor customer service, which has caused significant financial hardship. I deposited a check for military XXXX compensation, and shortly after, my account was locked without explanation. After days of being unable to access my funds, my account was ultimately closed while I was on vacation in another state, leaving me stranded without money. 

When I contacted customer service for answers, I was repeatedly dismissed and told, You signed the contract, without further clarification. I was also informed that a XXXX is going around cashing in checks, implying accusations of fraudulent activity without any basis or assistance on how to verify my check. Chase has refused to release my remaining funds, citing verification issues, and directed me to contact the U.S. Treasury instead. I have submitted all requested documents as instructed by the branch XXXX, yet my verification was denied without notice. 

This situation has resulted in a frustrating cycle of endless calls between Chase and the Treasury, long wait times, and no clear resolution. Due to Chases actions, I have experienced severe financial distress and unnecessary hardship. I am seeking immediate release of my funds and compensation for the financial and emotional stress caused by their failure to provide proper assistance and transparency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to dispute an inaccurate charge-off that appears on my credit report. According to 15 U.S.C. 1681i, as part of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate, and the credit reporting agency is required to conduct a reasonable reinvestigation to verify the accuracy of the disputed information.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681i : This law mandates that credit reporting agencies must investigate and correct inaccurate or incomplete information on a consumers credit report within 30 days of receiving a dispute.

In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

This charge-off is inaccurate and is causing significant damage to my credit report and financial standing. Therefore, I kindly request that Equifax conduct an investigation and remove the charge-off from my credit report. 

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief