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: NY

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 ( 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing 2 accounts fraudulent from my Experian, Transunion and Equifax Credit Report. XXXX XXXX XX/XX/year>. XXXX XXXX. Listed accounts do not belong to me and must be removed from all of my 3 bureaus. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Experian, Transunion and Equifax to mark these accounts as fraudulent and remove from my Credit Report.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Marcus has a referral program that gives existing customers a 1 % promotional bonus on their account balance for 3 months. I had referred some-one and they opened an account on XXXX. Their online system was having issues and the account was opened with the help of the Marcus chat agent. My referral code was provided to the chat agent and he applied it for the newly opened account and promised that I would get the promotion on my account in about 24 hours. I have yet to receive the promotion.

I have made several phone calls. In three instances, the supervisor did a detailed review of the case and after reviewing the chat log, agreed with me that the promotion should have been applied to my account. But they needed the back office to do this and after that I heard nothing from them. I finally lodged a complaint with Marcus and did not hear anything from them on that as well. On follow-up, their representative said that the Complaint department should have contacted me but was unable to provide any details on the resolution. 

Please find attached the chat log for the referred customer 's account opening session ( this chat is not on my account ).

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against Portfolio Recovery Associates , LLC for its continued unlawful attempts to collect a debt that is : Past the statute of limitations for collection under Louisiana state law. 

Charged off prematurely, which is illegal under federal and state consumer protection laws. 

Misreported as past due instead of accurately reflecting a charged-off status. 

Being collected by a company that is only licensed in XXXX, VA and not licensed to collect debts in Louisiana, where I legally reside. 

Additionally, my last email to your dispute department was ignored. Portfolio Recovery Associates continues to submit the same irrelevant informationwhich ironically proves my claim of the inaccurate reporting of this account. I have repeatedly disputed this account, providing clear documentation demonstrating the account 's ineligibility for collection or reporting. Yet, you persist in these unlawful collection activities. 

Furthermore, since 2022, Portfolio Recovery Associates has engaged in persistent harassment by continuously attempting to collect on this debt despite knowing that they are not licensed to do so in the state of Louisiana. This prolonged, aggressive, and unlawful collection activity has caused significant distress and constitutes harassment under federal law. 

Legal Violations 1. FDCPA Violations ( Fair Debt Collection Practices Act ) 1692g ( b ) Failure to Provide Proper Validation : You have failed to provide legally required validation after multiple disputes.

1692e ( 2 ) Misrepresentation of Debt Status : Reporting a charged-off account as past due is false and misleading.

1692e ( 5 ) Threatening Legal Action Without Authority : You lack licensing in Louisiana, and thus can not lawfully collect this debt.

1692f Unfair Practices : Continuing to collect on a time-barred, invalid debt.

1692d Harassment or Abuse : Engaging in harassment since 2022 by persistently contacting me about a debt you can not legally collect.

2. FCRA Violations ( Fair Credit Reporting Act ) 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : The account remains reported incorrectly despite multiple disputes.

1681c ( a ) Reporting Obsolete Information : The reporting exceeds the legal time limit for charged-off debts.

3. Louisiana State Law Violations La. R.S. 9:3562 Licensing Requirement : Debt collectors must be licensed by the Louisiana XXXX XXXX XXXX XXXX ( XXXX ). 

Portfolio Recovery Associates is not licensed in Louisiana. 

La. R.S. 51:1401 Unfair Trade Practices : Misrepresenting a charged-off debt as past due constitutes deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
They closed my account, and did not show proof, just said I was gambling playing bingo which is a violation. I haven't done a thing.

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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 was result of identity theft
Company: Experian Information Solutions Inc.
State: MO

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 explanation
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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/year>, I identified an account labeled as " DEPTEDXXXX '' on my credit report, which was marked as past due. Upon contacting XXXX, a representative confirmed that there is no payment required to rectify this error and that the collection agency listed is associated with XXXXFederal Student Aid. Despite this, the representative stated that there is " really nothing I can do '' to amend this misinformation. 

Additionally, I have noticed three to four accounts from " XXXX XXXX '' on my credit report that are inaccurately reported. Given the Consumer Financial Protection Bureau 's ( CFPB ) recent legal actions against Experian and XXXX for failing to properly investigate consumer disputes and maintain accurate credit reports, I am concerned that these inaccuracies may be a result of similar negligence. These errors have the potential to adversely affect my creditworthiness and financial well-being. 

XX/XX/year> : Contacted XXXX to dispute the incorrect past due status. 

XX/XX/year> : Reviewed my credit report and identified inaccuracies related to XXXX XXXX XXXX XXXX accounts. 

These inaccuracies on my credit report are unwarranted and could negatively impact my credit score, potentially affecting my ability to secure loans or favorable interest rates in the future. 

I respectfully request that these inaccuracies be thoroughly investigated and promptly corrected to reflect accurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am struggling to pay off my credit card due to the excessive late fees being charged by US Bank. In the past XXXX months I have been charged {$260.00} in late fees. In the past XXXX  years I've been charged a total {$530.00}. Most charges are {$40.00} even if I'm XXXX day late. They also change the amount due each month and I'm charged a late fee if I don't pay the full amount. Not to mention the extra interest I'm paying on late fees as well. 
I was laid off from my job at the end of 2023. I am now working part time and going to school. US Bank is taking advantage of it's customers. It says on my statements " If we do not receive your minimum payment by the date listed above, you MAY have to pay up to a {$40.00} Late Fee. '' Not will, MAY be charge. If it wasn't for the late fees my balance would be {$160.00}. 

I've contacted Customer Service. They waived the late fee once and refuse to do so again. US Bank is taking advantage of people during times of hardship. These shameful practices need to stop.

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 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 information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX  - XXXX - {$17000.00} XXXX  XXXX  - XXXX - {$4000.00} XXXX OF XXXX - XXXX - {$350.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute Unlawful Reinsertion of Previously Deleted Accounts To Whom It May Concern, I am formally disputing the unauthorized reinsertion of fraudulent accounts on my Equifax credit report, which were previously deleted on XX/XX/year>. The following accounts have been wrongfully reinserted without the legally required notification : XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX This action is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that if a previously deleted item is reinserted, the consumer must receive written notice within five business days, along with documentation proving the items accuracy. I have not received any such notice. 

Furthermore, I have documented proof from Equifaxs response to my Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX, which clearly confirms that these accounts were deleted on XX/XX/year>. I will be sending my hard evidence from the CFPB website as proof of this deletion. 

Given that these accounts were previously removed due to being unverified and fraudulent, I demand their immediate and permanent deletion, ensuring they are never reinserted again. I also request a written statement confirming their removal, as required under the FCRA. 

If Equifax fails to comply, I am prepared to escalate this matter to the CFPB, the Federal Trade Commission ( FTC ), and pursue legal action to enforce my rights under the FCRA. 

I expect this matter to be resolved within the 30-day timeframe as mandated by law. Please update my credit file accordingly and send written confirmation once these accounts have been permanently removed. 

Sincerely, XXXX XXXX XXXX

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. Checked my credit today and there are several accounts I dnt acknowledge or authorize! All 3 bureaus need to remove these accounts they are really affecting my livelihood

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
Permission was given to DOE to pull credit for credit worthiness. Instead they transferred it to a alleged Servicer by permissible purpose, which can not be transferred from one entity to another entity. Do not having any contractual agreements. US Dept of ED is to extend a line of credit. XXXX and XXXX knowingly without a permissible purpose is called identity theft. Any legitimate business is not a reason to constitute permissible purpose.

Company response to consumer: Untimely response
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: MA

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
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: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX There was an account opened that I had no involvement with, I noticed these mistakes XX/XX/XXXX. If this can be resolved I would be very appreciative, Please and Thank you!

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: OH

Complaint narrative:
XX/XX/XXXX There was an account opened that I had no involvement with, I noticed these mistakes XX/XX/XXXX. If this can be resolved I would be very appreciative, Please and Thank you!

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