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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the failure of the credit bureaus to properly investigate and remove an auto repossession account with Westlake Financial, despite multiple dispute attempts and clear violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). This issue has gone unresolved for far too long, and I demand immediate action from the Consumer Financial Protection Bureau ( CFPB ).

Account Details : Account Name : Westlake Financial Account Type : Auto Repossession Status : Write-off, sold at auction Current Status : Account is still reported inaccurately and continues to appear on my credit report as an outstanding liability.

This account was for an auto loan that was repossessed and sold at auction, yet the credit bureaus refuse to remove or accurately report the status of the debt. The account is now listed as a write-off, but the credit bureaus have failed to conduct a proper investigation into the details of the repossession, including the auction sale and the discharge of liability. 

FCRA Violations by Credit Bureaus : Section 607 ( a ) of the FCRA requires credit bureaus to ensure the accuracy and completeness of the information they report. This erroneous reporting of the repossession as an active liability is a violation of this requirement.

Section 611 ( a ) mandates that credit bureaus investigate disputes and resolve them within 30 days. Despite multiple disputes, they have failed to investigate this account properly, leaving inaccurate information on my credit report that is now affecting my creditworthiness.

Section 609 ( a ) grants consumers the right to receive documentation from the credit bureaus regarding the results of their investigation. I have not received any meaningful responses or documentation explaining how this account was reported or why it has not been removed from my credit file, despite the fact that the vehicle was auctioned off and the debt discharged.

Section 611 ( a ) ( 1 ) ( A ) requires the credit bureaus to conduct a reasonable investigation of any disputed information. The failure to properly investigate this repossession account or to recognize the impact of the auction sale is a clear violation of this provision. The credit bureaus are actively damaging my credit by refusing to correct this mistake, which could have been easily resolved with a proper investigation.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the failure of the credit bureaus to properly investigate and remove an auto repossession account with XXXX XXXX, despite multiple dispute attempts and clear violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). This issue has gone unresolved for far too long, and I demand immediate action from the Consumer Financial Protection Bureau ( CFPB ). 

Account Details : Account Name : XXXX XXXX Account Type : Auto Repossession Status : Write-off, sold at auction Current Status : Account is still reported inaccurately and continues to appear on my credit report as an outstanding liability. 

This account was for an auto loan that was repossessed and sold at auction, yet the credit bureaus refuse to remove or accurately report the status of the debt. The account is now listed as a write-off, but the credit bureaus have failed to conduct a proper investigation into the details of the repossession, including the auction sale and the discharge of liability. 

FCRA Violations by Credit Bureaus : Section 607 ( a ) of the FCRA requires credit bureaus to ensure the accuracy and completeness of the information they report. This erroneous reporting of the repossession as an active liability is a violation of this requirement.

Section 611 ( a ) mandates that credit bureaus investigate disputes and resolve them within 30 days. Despite multiple disputes, they have failed to investigate this account properly, leaving inaccurate information on my credit report that is now affecting my creditworthiness. 
Section 609 ( a ) grants consumers the right to receive documentation from the credit bureaus regarding the results of their investigation. I have not received any meaningful responses or documentation explaining how this account was reported or why it has not been removed from my credit file, despite the fact that the vehicle was auctioned off and the debt discharged.

Section 611 ( a ) ( 1 ) ( A ) requires the credit bureaus to conduct a reasonable investigation of any disputed information. The failure to properly investigate this repossession account or to recognize the impact of the auction sale is a clear violation of this provision. The credit bureaus are actively damaging my credit by refusing to correct this mistake, which could have been easily resolved with a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
Around XXXX of XXXX, I woke up with my phone giving me notification s that my cash app card was being charged. It had about XXXX charges and had drained my balance. I immediately locked my card and looked for a number to call to talk to some. No number available I had to send a text which a chat bot responded. Told my to lock my card and go in and dispute every charge individually and they will get back with me in XXXX and send me a new card with XXXX to XXXX  days. They eventually returned XXXX of my charges which I had to then resend the XXXX ones they did not do. another email and text. Still another 2 months to get my money back. Cash app and Block Inc. After this incident happened I received notice that the company had a Data breach around the time this incident happened.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an account that appears on my credit report, listed under account number XXXX XXXX This account was fraudulently opened in my name, and I believe the reported charge-off status is both inaccurate and damaging to my credit standing. 

I request that you immediately conduct a full investigation into the fraudulent activity associated with this account. Due to the fraudulent nature of the charge-off, I also request that you provide me with a 1099-C form, as I believe this charge-off should have been reported as canceled debt. 

Additionally, the continued inaccuracy of this information is causing significant harm to my financial reputation and violates provisions under the Fair Credit Reporting Act. As a result of these inaccuracies, I intend to pursue statutory damages as permitted under the law for any harm caused by your reporting of this erroneous account. 

Please confirm the removal of this account from my credit report and provide the requested 1099-C form. I expect a prompt resolution and look forward to hearing back from you regarding the steps you will take to correct this matter.

Thank you for your immediate attention to this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Money had been taken out of my account by unknown sources and Ive reached out to cashapp several times in all efforts never got my money back

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

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

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
For XXXX XXXX XXXX  and XXXX XXXX  as inaccurate

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: 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: PA

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 removeddisputed 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 2025-02-02 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Company offered XXXX point Ultimate Rewards bonus for enrolling a card, making a purchase using the Chase travel portal, completing travel completed in associated with the booking made on the travel portal. Having enrolled my card on XX/XX/XXXX, making the travel purchase on XX/XX/year>, and completing the travel on XX/XX/year>. I have not received the XXXX Ultimate Rewards points that were said to be credited to the account within 8 weeks of travel.

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

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
am filing a complaint against Equitax 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 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. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I marked as inaccurate 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

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
The information in my credit report of an account from XXXX XXXX XXXX is not mine or fraudulently open, all the information is incorrect and I dispute this directly whit Transunion and they still reportin this in 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 non-monetary relief
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was looking on my credit report and Ive notice unauthorized accounts, I have no knowledge of these account, i did not apply for them I have file a FTC I have sent multiple letters XX/XX/year> proof of social security card, proof of address, and proof of residency. Company has yet to update my credit profile which is violating my rights as a consumer. I would like these account to be blocked and deleted XXXXXXXX XXXX XXXX

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

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain entries on my credit report based on violations of privacy rights and other legal concerns. below are the issues identified and the corresponding legal basis for my dispute : Charge-off Entry The charge -off entry listed on my credit report is inaccurately labeled. Under the legal framework of the certificate of indenture, this entry should be classified as income and must be removed from my credit report. As it currently stands, this entry is misleading and does not reflect my actual credit status. Please remove this charge-off entry and update my credit report to accurately reflect this information Utilization Status The credit report shows my utilization status inaccurately/. The law stipulates that the reporting history should not misrepresent the agreement terms. I request that you update my utilization status to " Paid as agreed ' to reflect my compliance with the terms.

Transaction History Reporting It has come to my attention that my transaction history has been reported in violation of federal regulations. The law specifically prohibits the reporting of transaction history as it constitutes an illegal disclosure of personal information.

I request immediate removal of this transaction from my credit report Student Loans I have found that my student loan information is being reported in violation of the educational privacy act of 1974. According to the privacy agreement signed with my educational institution, they are prohibited from sharing transaction details with third parties. This breach of privacy is unlawful, Therefor. i Request that any such information be removed 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 non-monetary relief
Consumer complaint received 2025-02-02 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: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain entries on my credit report based on violations of privacy rights and other legal concerns. below are the issues identified and the corresponding legal basis for my dispute : Charge-off Entry The charge -off entry listed on my credit report is inaccurately labeled. Under the legal framework of the certificate of indenture, this entry should be classified as income and must be removed from my credit report. As it currently stands, this entry is misleading and does not reflect my actual credit status. Please remove this charge-off entry and update my credit report to accurately reflect this information Utilization Status The credit report shows my utilization status inaccurately/. The law stipulates that the reporting history should not misrepresent the agreement terms. I request that you update my utilization status to " Paid as agreed ' to reflect my compliance with the terms.

Transaction History Reporting It has come to my attention that my transaction history has been reported in violation of federal regulations. The law specifically prohibits the reporting of transaction history as it constitutes an illegal disclosure of personal information.

I request immediate removal of this transaction from my credit report Student Loans I have found that my student loan information is being reported in violation of the educational privacy act of 1974. According to the privacy agreement signed with my educational institution, they are prohibited from sharing transaction details with third parties. This breach of privacy is unlawful, Therefor. i Request that any such information be removed from my credit report.

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

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain entries on my credit report based on violations of privacy rights and other legal concerns. below are the issues identified and the corresponding legal basis for my dispute : Charge-off Entry The charge -off entry listed on my credit report is inaccurately labeled. Under the legal framework of the certificate of indenture, this entry should be classified as income and must be removed from my credit report. As it currently stands, this entry is misleading and does not reflect my actual credit status. Please remove this charge-off entry and update my credit report to accurately reflect this information Utilization Status The credit report shows my utilization status inaccurately/. The law stipulates that the reporting history should not misrepresent the agreement terms. I request that you update my utilization status to " Paid as agreed ' to reflect my compliance with the terms. 

Transaction History Reporting It has come to my attention that my transaction history has been reported in violation of federal regulations. The law specifically prohibits the reporting of transaction history as it constitutes an illegal disclosure of personal information. 
I request immediate removal of this transaction from my credit report Student Loans I have found that my student loan information is being reported in violation of the educational privacy act of 1974. According to the privacy agreement signed with my educational institution, they are prohibited from sharing transaction details with third parties. This breach of privacy is unlawful, Therefor. i Request that any such information be removed 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