vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Notice of Noncompliance Under 15 U.S. Code 1681o Dear CFPB I am writing to formally dispute inaccurate information contained in my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). The disputed items are outlined below : Disputed Items : XXXX XXXX XXXX Opened XX/XX/XXXX Incorrect balance ( {$690.00} ) XXXX XXXX XXXX Opened XX/XX/XXXX Incorrect balance and account information ( {$890.00} ) XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Incorrect account / fraud Under 15 U.S. Code 1681o, credit reporting agencies are liable for negligent noncompliance with FCRA requirements. By law, you are required to ensure the accuracy of the information reported and to investigate disputes within 30 days of receiving notice. I believe that your failure to maintain accurate records and address prior disputes demonstrates negligence, as described under this statute. 

To address this matter and avoid potential legal consequences, I am requesting : A full investigation into the accuracy of the disputed items. 
A copy of your findings, including the specific steps taken during the investigation. 
Removal or correction of the inaccurate information. 
Attached, you will find copies of documents supporting my dispute, including [ list attached items like a copy of your credit report with highlighted errors, billing statements, etc. ].

If you fail to comply with this request or provide a satisfactory resolution, I reserve the right to pursue all remedies available under 15 U.S. Code 1681o, which includes seeking damages and attorney fees.

Please provide written confirmation of your receipt of this letter and your investigation results within 30 days, as required by law. You can send your response to my address listed above or contact me directly XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I have on multiple occasions contacted this company in regards to the alleged debt they are negatively reporting on my consumer credit report. I have advised I am not liable for this alleged debt and have been the victim of identity theft. This information has also been communicated with the consumer credit reporting agencies who report what this company have provided. I have asked that this account be verified by providing the forward flow agreement in addition to original contract yielding my wet signature. Neither this company or the consumer credit reporting agencies have been able to properly validate this alleged debt as belonging to me nor been able to describe the procedures used in the investigations they claim have been done. This along with the recent lawsuit filed by the CFPB against the consumer reporting agencies further support my claim in unlawful and incorrect reporting on my consumer credit report that has and continues to negatively impact my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
Texas, office of the Attorney General office account number XXXX has reported to credit reporting agencies such as XXXX XXXX, Equifax and XXXX, which is a clear violation on the title 15 USC subsection 1681B.

Credit acceptance company account number XXXX. Its also reported on my credit file which is a violation under XXXX 15 USC subsection, 1681B. They are also in violation of the fair credit reporting act title 15 USC subsection, 1681 ( 2 ) ( a ) ( i ). Texas attorney general office states that I owe {$61000.00}. Credit acceptance also states that I owe {$17000.00} or {$18000.00}. This was done for anywhere from XXXX year to XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
Texas, office of the Attorney General office account number XXXX has reported to credit reporting agencies such as XXXX XXXX, XXXX and Experian, which is a clear violation on the title 15 USC subsection 1681B.

XXXX XXXX XXXX XXXX XXXX XXXX. Its also reported on my credit file which is a violation under Tyler 15 USC subsection, 1681B. They are also in violation of the fair credit reporting act title 15 USC subsection, 1681 ( 2 ) ( a ) ( i ). Texas attorney general office states that I owe {$61000.00}. XXXX XXXX also states that I owe {$17000.00} or {$18000.00}. This was done for anywhere from one year to seven years ago.

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 2025-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Over XXXX XXXX XXXX needs to be deleted from credit report asap.

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 2025-01-26 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:
Credit profile was reported improperly resulting in improper usage of my credit profile and causing damage and discrimination to my businness affairs and credit profile being harmed..

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 2025-01-26 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Inaccurate Negative Item Reported by Experian on My Credit File Dear Sir/Madam , I am writing to formally file a complaint regarding an inaccurate negative item reported on my credit file by Experian. I have reviewed my credit report and found a discrepancy that I believe has been mistakenly reported by the credit reporting agency.

The specific item in question is listed as a negative entry This item is inaccurately reported and does not reflect my true 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 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. 

Ive reported portfolio and associates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
The request for the original document that I signed for XXXX and XXXX that I showing on my report is false yet noting was sent back in writing. Mail was sent to their corporate address for disputes in XX/XX/XXXX I will send another letter in XX/XX/XXXX for them to take false claims of my credit report. Theirs was a breach of my information and they need to wipe all these false charges off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX 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 XXXX, 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 XXXX has neither corrected nor removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX for Account XXXX XXXX XXXX  ( Account XXXX XXXXXXXX ) Specifically, Equifax is reporting the account as " Pays as agreed '' but also indicates it is " 90 days past due. '' XXXX is reporting the account as " Paid or paying as agreed '' while also listing it as " 90 days past due. '' XXXX is reporting the account as " Account paid satisfactorily '' with the note " No update received. '' These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigations completion, along with details of any actions taken to rectify this matter. Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
To Whom It May Concern, Im writing because Im really frustrated with how Experian handled my recent credit dispute. Ive recently learned about the CFPB lawsuit against Experian ( or XXXX ), and I think my situation is connected to the problems theyre being sued for. 
I disputed an account on my credit report, but you didnt seem to investigate it properly. The account Im disputing is with account number. The issue is that the information about this account is wrong.

On top of that, your response didnt explain much. I didnt get any proof or details about how you verified the account. And this is hurting my ability to get a home for my family!

Heres what Im asking for : 1. Do a proper investigation as REQUIRED by law.

2. Remove the incorrect account or information from my credit report if the company cant verify it.

3. Send me clear results showing exactly what you did to verify this account and share any proof you used.

4. Dont let this account come back on my report unless you can prove its accurate and give me written notice first.

Im asking you to resolve this within 15 days, as required by the Fair Credit Reporting Act. If this isnt fixed, Ill have no choice but to file a complaint with the CFPB and take further action to protect my rights. 
Thank you for handling this quickly. I look forward to hearing from you soon. 
Sincerely, 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 2025-01-26 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: CA

Complaint narrative:
After reviewing my credit report I noticed fraudulent activity listed on it. Due to this fraudulent account, it is harming my ability to obtain new credit. Please remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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 failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

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 2025-01-26 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: MI

Complaint narrative:
Inquiries on my consumer report that were not authorized by me this is a violation of my rights according to 15 USC 1681b, Please delete these inquiries that i did not approve or give these companies permission

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 2025-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: MO

Complaint narrative:
I do not owe this debt. When asked for them to verify debt they hang up. I havent received any written communication from this company and they keep calling me even when I have asked them not to. Abusive language and they have cussed me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Company stated that there system deleted my guest approved auto loan application that was approved by Capital One. On the day that I went to pick up my vehicle and sign my contract. I was told that XXXXXXXX XXXX  auto loan system had somehow auto deleted my loan so they ran my credit multiple times without my consent. I contacted the loan company and had their manager write me an email acknowledging this situation. The credit reporting agency also acknowledged this mistake. I need those 3 hard credo pulls within 24 hours deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
On reviewing my credit report, I noticed an issue with the XXXX account and its reporting. The debt associated with this account was sold to XXXX XXXX, which is now reporting the balance as a collection account. However, the original creditor, XXXX, is still reporting the account as a charge-off with a {$0.00} balance. 

This double reporting of the same debt is inaccurate and misleading. It negatively impacts my credit score, as it appears I have more debt than I actually do. The Fair Credit Reporting Act ( FCRA ) requires credit reporting to be accurate, and accounts should not appear twice when the debt has been sold or transferred. The original creditor, XXXX should reflect a {$0.00} balance and indicate that the account was transferred or sold, without continuing to report it as an active derogatory account. 

I took action by disputing this issue with the credit bureaus ( XXXX, Experian, and XXXX ) but have not received a satisfactory resolution. As of XX/XX/year>, both XXXX  and XXXXXXXX XXXX are reporting this debt on my credit report, and this duplicative reporting persists. 

I am requesting that XXXXXXXX tradeline be removed from my credit report, as the debt has been sold and is already being reported by XXXXXXXX XXXX  This correction will ensure the accuracy of my credit report and compliance with FCRA requirements.

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 2025-01-26 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 an 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 platoform, 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 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I accepted offer for {$300.00} reward if I spend {$1000.00} credit card deal. I spent the required amount, paid off the account in full, and then, BofA closed my credit card and when I called to customer service, I was told my {$300.00} cash incentive is cancelled because BofA closed my account. I fulfilled my end of the deal but BofA cheated me out of my promised {$300.00} rewards by closing the account right after I finished spending the required amount and finished paying for it.

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