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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX Equifax XXXX XXXX XXXX  Are reporting inaccurate information on my account, they have shared my information without my consent to third parties, authorizing fraudulent transactions and activities to occur within my account after alerting them to the inaccuracies. They have addresses that are non reportable on file in which I have not resided nor done business in or at and due to the problems at hand It has caused a financial hardship leaving me and my children, homeless, immobile and unable to do something as simple as rent a home even with the funds available to cover the expenses

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: GA

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 Funds Transfer Act ( EFTA ) and Regulation E. These actions has 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 — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/2024 I went to take XXXX cars to a XXXX dealership, I made a downpayment of XXXX XXXX XXXX  plus a car, it turns out that they accept the money, they give us the cars but at no time did they tell us that they would give us a XXXX card that is only good for accessories and they are using it to complete the credits, which is fraud and illegal, said card arrives at my house with an amount of XXXX that I supposedly authorized when it was not like that, at no time did they inform me about this, they made us sign the contract for the cars and we signed everything but they took this from us without consent, it is a lack of respect, a deception towards the consumer, now I am making the dispute with them with the bank and that it was not me when it is not like that, I would like them to help me

Company response to consumer: Closed with 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: NC

Complaint narrative:
Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action. 

XXXX XXXX XXXX XXXX Closed XX/XX/year> {$11000.00}

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the urgent removal of a public record from my credit report that I believe was improperly verified and reported as a result of insufficient investigation by the credit bureaus. The inclusion of this public record, specifically related to bankruptcy information, is negatively impacting my creditworthiness and financial opportunities. 

On XX/XX/XXXX, I sent certified letters to each credit bureau requesting the following critical information regarding their verification process for bankruptcy data before it is included in consumer reports : 1. **Sources Used for Verification : ** I requested that the credit bureaus specify the sources they utilize to verify bankruptcy information, including any databases or public records consulted prior to reporting.

2. **Identity Confirmation : ** I inquired about the methods employed to confirm the identity of the individual associated with the bankruptcy record.

3. **Verification of Social Security Number : ** I specifically asked whether the social security number ( SSN ) tied to the bankruptcy was verified. If the SSN was not verified, I requested an explanation of how the credit bureau ensured the accuracy of the bankruptcy information without this essential verifier.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy and integrity of the information they report. Section 607 ( b ) of the FCRA clearly states that a consumer reporting agency may not furnish a consumer report containing inaccurate information. Furthermore, Section 611 gives consumers the right to dispute inaccurate or incomplete information, obligating the agency to conduct a reasonable investigation of such disputes.

The lack of thorough verification and the absence of the requested documentation raise significant concerns about the accuracy of the public record in question. Given that I did not receive satisfactory responses to my inquiries, it is evident that the reporting agency failed to meet the standards of due diligence required by the FCRA.

For these reasons, I respectfully request that the CFPB investigate this matter thoroughly and facilitate the immediate removal of this public record from my credit report. The presence of this record, based on insufficient verification, is unjust and detrimental to my financial health. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift response and resolution.

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: 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: KY

Complaint narrative:
I have disputed inaccurate information on my credit reports dating back to XXXX. Several accounts on my report were disputed more than XXXX time. As required by the CFPB and FCRA, upon conclusion of a dispute, each credit bureau must provide detailed steps taken to investigate disputes and advise if a reinvestigation took place. Neither of these steps were provided to me, nor was my report containing inaccurate information fixed. 

Experian, XXXX, and XXXX did not comply with Consumer Financial Protection Bureau ( CFPB ) regulations by : Failing to investigate disputes properly Failing to remove inaccurate information from credit reports Failing to notify consumers of reinvestigation results Reinserting previously deleted information Failing to convey disputes to furnishers fully and accurately Relying too much on furnishers to resolve 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 2025-01-26 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 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. 

XXXXXXXX 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 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of a data breach and these accounts listed are not mine and were unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: 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: DC

Complaint narrative:
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. 
THESE COMPANIES ARE : XXXX XXXX XXXX XXXX XXXX BALANCE {$830.00} With no payment history, & XXXX XXXX balance {$680.00}

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filing this complaint because XXXX has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), resulting in the reporting of inaccurate late payments on my credit report. Specifically, XXXX has violated the following provisions : 15 U.S.C. 1681e ( b ) : Failure to maintain the accuracy of my credit report.

15 U.S.C. 1681s-2 : Negligence in ensuring furnishers of information comply with their obligations.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

15 U.S.C. 1681c ( c ) : Inclusion of obsolete information in my credit report. 
I have submitted multiple disputes to XXXX, challenging the accuracy of late payment records on the following accounts : XXXX. Account Name : XXXX XXXX  XXXX XXXX, Account Number : XXXX XXXX. Account XXXX : XXXX Account Number : XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX, Account XXXX : XXXX XXXX. Account Name : XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX Despite providing substantial evidence to dispute the reported late payments, XXXX has failed to conduct a proper investigation or reinvestigation as required by law. These inaccuracies remain on my credit report, causing unwarranted damage to my financial reputation. Furthermore, the recent CFPB lawsuit against XXXX ( CFPB Sues XXXX for Sham Investigations of Credit Report Errors ) highlights a troubling pattern of neglecting consumers rights. My experience mirrors the allegations in this case, as XXXX has not fulfilled its obligation to ensure the accuracy of my credit report or adequately address my disputes.

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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute inaccurate information listed on my credit report. Upon reviewing my credit report, I identified the following incorrect items that violate my rights under the FCRA : Disputed Items : 1. Account Name/Number : profolio recovery associate Account number XXXX XXXX  Violations : inaccuracies failed to do a proper investigation The inaccurate reporting of this information constitutes a violation of the following provisions under the FCRA : 1. 15 U.S.C. 1681i ( a ) : The credit bureau is required to conduct a reasonable reinvestigation of disputed information within 30 days. I expect a full and proper investigation of the information I am disputing. 2. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of information included in consumer reports. The continued reporting of inaccurate information violates this provision. 3. 15 U.S.C. 1681c ( a ) : Certain outdated or obsolete information,
such as accounts beyond the statute of limitations, should no longer appear on my report. Please ensure compliance with this section.

4. 15 U.S.C. 1681n and 1681o : Any willful or negligent noncompliance with the FCRA entitles affected consumers to pursue damages, including actual damages, statutory damages, and attorney fees.

Requested Actions : I hereby request the following : That [ experian in equifax ] conduct a thorough investigation of the disputed information.

That all inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report.

That I receive a written response detailing the results of your investigation as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Supporting Documents : To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed items highlighted.

Supporting documentation, including [ proof of payment, correspondence with the creditor, etc. ].

A copy of my identification and proof of address to verify my identity.

Notice of Escalation : Failure to address this matter appropriately may result in additional legal action or a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681p for enforcement of my rights.

I expect this investigation to be completed within the statutory timeline of 30 days ( or 45 days if I am notified of an extension due to additional information ).

Thank you for your prompt attention to this matter. Please contact me directly if further information is needed. 

Sincerely, [ XXXX ]

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Inaccuracies, misuse of information, and pulling of credit without authorization

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: Rent Recovery Solutions
State: NV

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute inaccurate information listed on my credit report. Upon reviewing my credit report, I identified the following incorrect items that violate my rights under the FCRA : Disputed Items : 1. Account Name : Rent Recovery Solutions/account Number : XXXX Violations : The inaccurate reporting of this information constitutes a violation of the following provisions under the FCRA : 1. 15 U.S.C. 1681i ( a ) : The credit bureau is required to conduct a reasonable reinvestigation of disputed information within 30 days. I expect a full and proper investigation of the information I am disputing.

2. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of information included in consumer reports. The continued reporting of inaccurate information violates this provision.

3. 15 U.S.C. 1681c ( a ) : Certain outdated or obsolete information, such as accounts beyond the statute of limitations, should no longer appear on my report. Please ensure compliance with this section.

4. 15 U.S.C. 1681n and 1681o : Any willful or negligent noncompliance with the FCRA entitles affected consumers to pursue damages, including actual damages, statutory damages, and attorney fees. 



Requested Actions : I hereby request the following : That [ XXXX, XXXX ] conduct a thorough investigation of the disputed information. 

That all inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report.

That I receive a written response detailing the results of your investigation as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Supporting Documents : To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed items highlighted.

A copy of my identification and proof of address to verify my identity.

Notice of Escalation : Failure to address this matter appropriately may result in additional legal action or a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681p for enforcement of my rights.

I expect this investigation to be completed within the statutory timeline of 30 days ( or 45 days if I am notified of an extension due to additional information ).

Thank you for your prompt attention to this matter. Please contact me directly if further information is needed. 

Sincerely, [ XXXX ]

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: CA

Complaint narrative:
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 2025-01-26 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: CA

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute 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. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive noticed I still have fraudulent accounts showing on my credit report. Ive never lived or have any knowledge pertaining to the Agency or Debt ( XXXX XXXX. ) Ive only ever lived at the 2 address below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX my mother Name XXXX XXXX Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Dates 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