vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
Im writing to urgently request the removal of this account from my credit report. It is currently in pending litigation, and as such, it is not an accurate representation of my 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 2025-01-29 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: TN

Complaint narrative:
I am filing a complaint against experian for failing to properly investigate inaccuracies in my credit report. Despite my submissions Experian consistently responds within XXXX stating 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.

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 2025-01-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently just submitted a complaint regrading experian reinserting fraudulent information back on my credit report. That complaint is still ongoing. I checked my credit today and noticed that another account and address that was blocked and deleted has been placed back on my credit again. I called today XX/XX/year> at XXXX and waited on hold until XXXX pm the representative came on the line and told me that the creditor is unblocking my account. I replied that I have submitted all documents at the least 15 times. I have spoken with the creditor which they stated they dont own that account anymore and sold it to a bill collector. I spoke with the bill collector via the CFPB and they stated they closed this case due to fraud. She placed me on hold for about 10 mins and proceeded to disconnect the call.

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 2025-01-29 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: CT

Complaint narrative:
I received a letter in the mail from Equifax and XXXX stating that my information was breached. I have reportedly asked them and told them that the information was not correct on my credit report. I know my sanctions and I know my codes and this is not justifiable now that I know that my information was leaked and my information was stolen. I want these items removed off of my credit report that does not belong on my credit report. Ive been fighting this for years and now I have letters from both XXXX and Equifax stating That they can offer me free credit monitoring when Ive already told them several times that the information was inaccurate on my credit report so I want those items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-01-30 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:
Dear CFPB, I am filing a complaint against Equifax, XXXX, and XXXX regarding inaccurate and unauthorized information on my credit report. Despite my attempts to resolve these issues directly with the credit bureaus, the errors remain and are negatively impacting my credit score. 

Details of Disputed Items : 1. Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unauthorized inquiry, duplicate account, incorrect balance, wrong account status Requested Action : Remove the inquiry, correct balance, update account status to closed 2. Company Name : Equifax, XXXX, and XXXX Issue : Account marked as open when it should be closed, incorrect late payment reporting Requested Action : Correct account status, remove inaccurate late payment Why This Needs to Be Corrected : These accounts are reporting inaccurately and do not reflect my true credit history. 
I have not authorized some of these inquiries, and they should be removed. 
The information is causing unnecessary harm to my credit score and financial well-being. 

Request for Investigation : Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to investigate and verify the accuracy of the disputed items within 30 days. If they can not verify the accuracy, they must remove or correct the disputed items. 

I request that the CFPB ensures the credit bureaus properly investigate and resolve these issues. Please provide me with a written response confirming the actions taken. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-01-30 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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 XXXX XXXX XXXXXX/XX/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 2025-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
I've disputed this collection multiple times as it should have been confirmed and it wasn't, Medicaid cards was provided as always and my children 's card was provided and to top it off I was never notified of this debt until a yr and something later as the hospital didn't even send notice so I believe this was sold after a Medicaid payment was taken. Most places notify you within thirty to 60 days of a debt and that never happened. Then this company magically has it on my record damaging my credit with no notice from the original owner of the supposed debt so I believe this is a double dipped debt and it has never been sustained or verified but I guarantee Medicaid can verify the existence the children 's accounts just fine so there's no excuse of it not being charged by the original owner of the services that's supposedly owed. Attaching my XXXX dispute for this account so you can collect the information. The collection is for HMC group I don't know the number but it's out of XXXX Ohio for that phone number is connected to my XXXX dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NV

Complaint narrative:
Subject : Dispute XXXX Experian for XXXX Under 15 U.S.C. 1681o To Whom It May Concern, I am filing a formal dispute against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, regarding civil liability for noncompliance. This dispute stems from Experians failure to properly investigate and correct inaccuracies in my credit report following my formal dispute submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In my initial dispute to Experian, I specifically requested that they investigate the reported inaccuracies that I requested, as included in the attachments. Despite providing sufficient evidence supporting my claims, Experian has failed to take appropriate corrective action, violating my rights under the FCRA. 

According to 15 U.S.C. 1681o, Experians failure to comply with its obligations has caused actual harm, including but not limited to : Inaccurate reporting affecting my creditworthiness Denial of credit or unfavorable credit terms Emotional distress and undue financial burden I am requesting that the CFPB investigate Experians non-compliance and enforce corrective actions, including any applicable penalties. Additionally, I am seeking full compliance with the FCRA, including the immediate correction of my credit report as outlined in my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX dispute. 

Additionally, on XX/XX/XXXX, an unknown assailant applied for credit in my name with XXXX XXXX XXXX XXXX XXXX Credit Card XXXX This inquiry and many more appear on my credit report, and have affected my credit score. I have also asked XXXX to delete multiple erroneous hard credit inquiries, to which they have neither investigated or removed. Please also add this to my complaint. Due to this Identity Theft, I recently added a Credit Freeze on all of my three major credit bureau reports, as well as an ID Theft Fraud Victim alert, and have made a police report ( Report Number XXXX ) with XXXX Police Department in XXXX, NV, as well as a report with the XXXX Postal Service ( Reference Number : XXXX ). 

Enclosed, please find copies of my original dispute letter, supporting documents, and Experians response ( or lack thereof ). I appreciate your prompt attention to this matter. 

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 2025-01-30 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: Ava Finance, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/2025 XXXX Dispute Resolution Department Subject : Dispute Letter and Notice of Civil Liability under 15 U.S.C. 1681o Dear XXXX, I am writing to formally dispute inaccurate and/or incomplete information on my credit report maintained by your agency, as permitted under the Fair Credit Reporting Act ( FCRA ). I have identified errors on my credit report that appear to be the result of negligence and non-compliance with your obligations under the FCRA. Pursuant to XXXX U.S.C. 1681o, you are required to exercise reasonable care in handling and maintaining accurate consumer information. Your negligence in investigating and verifying the accuracy of the information on my credit report has resulted in harm and financial distress. Such actions constitute a violation of your duty to ensure the accuracy of consumer reports and comply with FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
account was chargred off and company wrote it off on there taxes and sent out a 1099c. this acount should not be on my credit report this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- DELETE ACCOUNT I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX. 
XXXX. Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that XXXX directly impact the accuracy of reports like mine. 
2. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : 1. Immediate investigation into the disputed items listed above.

2. Removal or correction of the inaccurate information.

3. An updated copy of my credit report reflecting these corrections. 

Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies.

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 2025-01-29 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX XXXX XXXX DELETE ACCOUNT XXXX : XXXX  DELETE ACCOUNT XXXX : XXXX XXXX DELETE ACCOUNT XXXX : XXXX CARD- DELETE ACCOUNT I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including Equifax and XXXX. 
1. Recent Lawsuit Findings : In separate rulings, courts have determined that Equifax and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine.

2. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of Equifax and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : 1. Immediate investigation into the disputed items listed above.

2. Removal or correction of the inaccurate information.

3. An updated copy of my credit report reflecting these corrections. 

Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I opened 5-year loan with Santander Consumer USA in XX/XX/XXXX. After receiving several different verbal payoff quotes and being refused an actual payoff statement, the loan was paid off in XX/XX/XXXX. I received the Title endorsed for lien cancellation together with a paid in full letter. Santander has continued to report that this loan account is open, carries a balance and is a " charge off ''. My credit report has taken a damaging hit due to Santander 's inaccurate reporting. I have attempted to dispute Santanders reporting countless times throughout the past 6+ years. Santander has continued to reaffirm their position that the account remains open on each and every dispute and updates the negative reporting history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
Background : Before setting up our PayPal account, we provided all required documentation. For an extended period, our account functioned without any issues, complaints, or refunds. 
In midXXXX 2024, we received a notification that our account had been restricted, requiring additional business licensing documents. While we believe this was already submitted, we promptly resubmitted all requested materials, understanding compliance reviews might be periodic. 
Issues : 1. Extended Review Period : PayPal assured us the review process would take five ( 5 ) business days. Over a month later, our funds remain frozen without resolution or meaningful updates. 
2. Unjust Fees : Despite holding our funds, PayPal continues to deduct fees from transactions. These fees are taken without providing access to the associated funds, which we consider unethical and potentially unlawful.

3. Lack of Communication : We have not received adequate or timely updates regarding the status of our account review or the release of our funds. This lack of transparency has left us in uncertainty and disrupted our business. 
Request : We respectfully request the Consumer Financial and Protection Bureau to intervene and urge PayPal to : Immediately release the funds held in our account. 
Cease deducting fees from transactions while funds are on hold. 
Provide a clear and timely resolution to this matter, along with an explanation of the delays and lack of communication.

PayPals actions are detrimental to our business and raise serious ethical concerns. Holding funds at their discretion without justification or recourse feels akin to a criminal enterprise. This behavior is unacceptable and must be addressed promptly. 
Thank you for your attention to this matter. We look forward to your assistance in ensuring a fair and expedient resolution.

Company response to consumer: Closed with explanation