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

Complaint narrative:
Experian, Trans Union, Equifax just puts things on my account with NO accountability. reported a collection account to my report and they actually owe me money. How can they just put collection accounts on a credit report with no evidence?? This is not acceptable These companies receive money for allowing them to ruin credit.I have several accounts that are old and they allow collection companies to keep these active. They do not meet the statute of limitation 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian, Trans Union, Equifax just puts things on my account with NO accountability. reported a collection account to my report and they actually owe me money. How can they just put collection accounts on a credit report with no evidence?? This is not acceptable These companies receive money for allowing them to ruin credit.I have several accounts that are old and they allow collection companies to keep these active. They do not meet the statute of limitation 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I just recently checked my credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. I attached some evidence XXXXXXXX XXXX XXXX  XX/XX/XXXX. the inquiry has no permissible purpose to be on my report due to violation of 15 usc 1681b XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is not authorize them to operate as a consumer collection agency. 

XXXX XXXX has reported a debt on my credit profile, and I have formally requested validation of this debt. However, I am still awaiting their response. Despite my request, XXXX XXXX has continued to report this debt, which has negatively impacted my credit standing. 

Furthermore, upon reviewing XXXX XXXX licensing status in the state of Florida, I have found that they are not licensed as a debt collector. According to Florida law, entities engaged in third-party debt collection must be registered as a Consumer Collection Agency under Chapter 559, Part VI of the Florida Statutes XXXX XXXX XXXX does not hold such a registration and is therefore not authorized to act as a third-party debt collector within the state. 

I request that the CFPB investigate this matter to ensure that XXXX XXXX complies with all applicable laws and regulations. Additionally, I ask that any unverified or improperly collected debts be removed from my credit report immediately. 

I appreciate your prompt attention to this complaint and look forward to your response regarding the steps that will be taken to address these concerns.

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 2025-02-01 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 Writing to dispute the following accounts on my Experian Credit report, Which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ).

Fraudulent Accounts 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 I request the immediate removal of these accounts under the FCRA, Specifically 15 USC1681e ( b ), 15 USC 1681s-2, 15USC ( 5 ) and 15 USC 1681 c ( c ). Furthermore as per Law 605 B, These fraudulent accounts should be eliminated from my credit report. your company is under scrutiny due to a recent lawsuit filed by the Consumer Financial protection Bureau ( case name : Consumer Financial protection Bureau v. Experian Information Solutions , Inc ) This lawsuit highlights Experians failure to conduct proper investigation and remove or reinsert errors on consumer credit reports. As such, it is imperative that Experian addresses this matter in accordance with the FCRA I appreciate your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these fraudulent accounts under from my credit report. 
Thank you for your time and cooperation.

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 2025-02-01 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: WV

Complaint narrative:
Dont know if disputes were ever fully investigated. Sending in complaint due to the lawsuit against Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: WV

Complaint narrative:
Dont know if disputes were ever fully investigated. Sending in complaint due to the lawsuit against Experian.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Did not do an due diligence investigation. There just ping ponging each other 's information back and forth to each other. EQIFAX has it charged off for the longest. Yet still impact my credit with negative marks. Which it's Re-inserted back onto my credit .to be reported to another credit Bureau and so forth ... Experian CHANGES FALSE NAME TO MY CORRECT NAME WHEN ASKED TO REMOVE INCORRET NAME. THIS IS SO THE CASE UNDER FALSE NAME IS ASSERTED TO MINE. I REQUESTED TO HAVE INCORRECT NAME & ADRESS TO BE REMOVED! YET THEY CHANGE TO MY CORRECT NAME TO MAKE STICK. THEN THE ADRESS IS INCORRECT & THEY RE-INSERTED IT INCORRECT! 
XXXX XXXX XXXX IS CORRECT. NOT XXXX XXXX XXXX. THERE IS NO SUCH ADRESS... BUT AFTER THEY GET THIS RESPONSE LETTER FROM CFPB, THEY'LL PROBABLY TRY TO CHANGE IT. AFTER THE 5 TIME IVE DISPUTED INCORRECT INFORMATION .UNDER 605B I DEMAND JUSTICE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

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 these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , 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 Accounts 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 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, and hard inquiries 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.

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 2025-02-01 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: IL

Complaint narrative:
I am filing a complaint against Equifax for equifax dispute removal 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 ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFRA ) 12 U.S.C. 5366 ( 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 the federal law and provides consumers with the necessary proof investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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:
Every negative inquiry on experian and equifax has been submitted by XXXX  companies which has obtained my information illegally has been invading my credit accounts! XXXX XXXX XXXX ( XXXX dollars ) and XXXX XXXX XXXX XXXX ( XXXX dollars ) also XXXX  negative remarks from XXXX XXXX XXXX XXXX XXXX My rights have been violated as a consumer and violated federal laws I've disputed multiple times with no information or proof of authority from these companies whish has constantly put me in a credit bind to I would like to have all corrected and removed immediately seeing that my information has been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
Every negative inquiry on experian and equifax has been submitted by XXXX  companies which has obtained my information illegally has been invading my credit accounts! XXXX XXXX XXXX ( XXXX dollars ) and XXXX XXXX XXXX XXXX ( XXXX dollars ) also XXXX  negative remarks from XXXX XXXX XXXX XXXX XXXX My rights have been violated as a consumer and violated federal laws I've disputed multiple times with no information or proof of authority from these companies whish has constantly put me in a credit bind to I would like to have all corrected and removed immediately seeing that my information has been breached.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my Equifax credit report, I found multiple fraudulent accounts and an unauthorized inquiry that have harmed my financial standing. 

The following accounts were fraudulently opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, I found an unauthorized hard inquiry from : XXXX on XX/XX/XXXX These fraudulent items have lowered my credit score and affected my financial stability. I have been unfairly denied access to credit and faced challenges with housing and loan approvals. This situation has created undue stress and has harmed my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the reporting of a collection account on my TransUnion credit report. The account in question is not valid and remains inaccurate. It is imperative to reiterate that I do not accept this account as verified, and my formal dispute serves as an indication of its unverified status. 

Upon reviewing the details provided by TransUnion and noting the inconsistencies within your reporting, it is evident that this item lacks credibility. Additionally, this account is not being reported by either XXXX or XXXX. This stark contrast further solidifies my belief that the information in question is inaccurate and unverified.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I tried to get my credit report from but was unable to get it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
I am filing a formal complaint against Experian for failing to conduct a reasonable investigation into the disputes I have submitted regarding inaccuracies on my credit report. Despite my repeated submissions, Experian consistently responds w

ithin 24 hours, asserting that the disputed account is accuratewithout providing any substantive evidence that a thorough investigation has been conducted. This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to perform a reasonable investigation of disputed information. Additionally, Experian 's conduct may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 )
( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus recent administrative proceeding ( File No. 2025-CFPB-0002 ) against the company for similar infractions. 

I respectfully request that the CFPB take appropriate action to ensure Experian adheres to federal law and provides consumers with adequate proof that a legitimate investigation has been conducted in response to credit report disputes. 

The following addresses are inaccurate and should be purged and Permanently deleted from the report XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX following social is inaccurate and should be purged and Permanently deleted from the report XXXX No phone numbers or employers should be reported as I did not give written permission for such and they too are INACCURATE ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX The Name XXXX XXXX Is Inaccurate and should be purged and Permanently deleted from the report These are the accounts that I've marked as inaccurate XXXX XXXX XXXX XXXXXXXX XXXX XXXX bankruptcy discharged Reference number XXXX The following injuries are inaccurate and should be purged and Permanently deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
They call now less than 7 times a day. I asked them to stop calling and if they could please mail me any information and they refuse. They insist I discuss the matter over the phone at that moment. Other than the name of the company convergent I dont know who they are and to my knowledge I have never had an account with that company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
XXXX XXXX has contact me several times via mail to my domicile address and family members after I sent notice of Cease in Desist. They have used deceptive tactics to try to collect a debt from me while not having a Debt license in XXXX XXXX. They have try to circumvent having a license by sending Debt notices to family members that I have in XXXX XXXX XXXX, where XXXX has a license. These actions have caused me great harm, a violation of my privacy and has ruined my personal / professional reputation. I sent a notice that they were not practicing with a debt license in XXXX XXXX  and asked for confirmation, instead they chose to conspire, with their associates in XXXX XXXX XXXXXXXX and banking financial institutes to find accounts with the name XXXX XXXX ( the alleged to debtor ) to contact me, this is a violation of 18 USC 894, this is a crime. Below are the dates of events. 

XXXX Received notice via mail to domicile in XXXX XXXX of a alleged debt for XXXX XXXX And alert that debt was added to my credit report XXXX Sent a notice of dispute and Cease & Desist XXXX Collection was removed from report XXXX Received a text message from family member that I received a letter at their home address from XXXX XXXXXXXX Sent XXXX a 2nd request to Cease & Desist XXXX Reinserted Item to credit report XXXX Sent XXXX a Final Warning

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