vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disoutes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that 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 the federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've 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

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 2025-02-04 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: MD

Complaint narrative:
I have submitted documents through their upload site and have submitted numerous emails to them. They continue to lower my score using incorrect data and not using correct account data as part of their Experian Boost program. In addition, the last updates to my credit today- with no changes/activity on my part, they dropped my score by XXXX pts while at the same time, my credit score increased XXXX points ( XXXX XXXX XXXX XXXX There is now over a XXXX point discrepancy between reports. Their actions have resulted in 3 loan disapprovals and 2 offers with XXXX % interest rates. They received a dispute from me on XXXX accounts and closed them both out XXXX XXXX clearly did NO INVESTIGATING! I believe their activity violaites federal law. I have several files and emails to provide, but they exceed your size limit and there is no logical way to separate the data provided via emails and through Experians upload portal.

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am filing a complaint against American Express regarding 2 charge-off credit card accounts on my credit report. I believe these charge-offs are in violation of 15 USC 1681eb , which mandates that information reported to credit bureaus be accurate, and 26 USC 6050P , which requires the issuance of a 1099-C form when debt over {$600.00} is canceled. Violation of 15 USC 1681eb ( Fair Credit Reporting Act ) : American Express has reported 2 charge-off accounts on my credit report, which I believe are inaccurate or outdated. According to 15 USC 1681eb, creditors must ensure that the information they report to credit bureaus is accurate. I dispute the validity of these charge-offs, as they do not reflect the true status of the accounts. These entries may violate the requirement to report only accurate and current information. Failure to Issue a 1099-C Form ( 26 USC 6050P ) : I have never received a 1099-C form from American Express for the discharged debt. Under 26 USC 6050P, creditors are required to issue a 1099-C when {$600.00} or more of debt is forgiven. If the charge-offs was due to debt cancellation, I should have received this form, but I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

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 2025-02-04 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 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:
Experian has reported incorrect information on my credit report. This information includes 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
I am disputing multiple inaccurate and fraudulent accounts on my credit report with [ XXXX ]. These accounts remain on my report despite my previous disputes, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct a reasonable investigation within 30 daysof receiving a dispute. However, they failed to investigate properly, making them liable for willful non-complianceunder 15 U.S.C. 1681n. 
Additionally, the CFPB is actively suing XXXX, XXXX, and XXXX for systemic failures to investigate disputes and for knowingly reporting inaccurate information. This proves their pattern of violating consumer rightsand further justifies the immediate deletion of all negative items. 
According to 15 U.S.C. 1681s-2 ( b ), data furnishers are required to report only accurate information. Since these accounts remain unverified and inaccurate, they must be deleted immediately under federal law.

Furthermore, under 15 U.S.C. 1681c, any negative item older than 7 years must be removed immediately.

I demand the immediate removal of the following accounts from my credit report due to these legal violations Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Please see the previous XXXX  case raised, case XXXX. The XXXX  has not reopened this case as they have had trouble looking into it. Your parent company ( US Bank ) stated that they are looking into my appeal, below, but never got back. I am aware that accounts can be closed, but they can also be appealed, and your team has not been clear whether the appeal has been reviewed or not. Again, please review the below, as also laid out in the above case, and clarify that this appeal has been fully reviewed under your terms : " Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX I am writing in regards to my closed account, account number XXXX. I am writing here to ensure this letter is tracked, and the below is an appeal regarding my closed credit card account. 

My account was recently closed on XX/XX/XXXX, but I was not given the opportunity to provide additional context nor confirm transactions. All transactions were valid and temporary - as the bank was concerned about risk regarding these transactions, these transactions do not need to be made moving forward. I have made payments in full monthly and will continue to do so. If there is an option to open a checking account or keep money in a Fidelity investment account to further show proof of funds and reduce any risk for the bank, please let me know and happy to do so. Separately, if there are separate option for appealing and reopening this account, happy to take those steps.

If it is preferred that I call a specific number to clarify the same, please let me know, but I was told to write the above address. 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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: SC

Complaint narrative:
I am filing this formal complaint against Wise ( formerly TransferWise ) due to their gross mishandling of a refund of {$48000.00} USD, which was incorrectly sent to the wrong bank account. Despite repeated follow-ups, Wise has failed to properly address their error, and their latest response suggests that if they are unable to recall the funds within 30 days, they will consider the matter closed, which is completely unacceptable. 


Background of the Issue I operated a business account with Wise, Wise closed my account without prior notice, despite my compliance with all their terms and conditions. Following the closure, I was instructed to submit an appeal and provide a bank account for the return of my balance, which I did. 
However, instead of refunding my funds to the correct bank account, Wise mistakenly transferred the entire sum of {$48000.00} to an incorrect bank account. This was purely due to an internal error on Wise 's part. 

When I immediately brought this issue to their attention, Wise admitted to the mistake and stated that they had initiated a recall request. However, their latest email response states : *The recall process is currently underway. Please note that recalls do not guarantee the return of funds. If you do not hear from us within XXXX  days, we will consider the recall unsuccessful. * This response is alarming because : 1. Wise 's mistake caused this issue**not me. They **sent my money to the wrong account, and I should not suffer financial loss due to their incompetence.

2. There is no guarantee that I will be refunded despite Wise 's admission of error.

3. Wise has not provided any clear documentation of the transaction or recall request.

4. Wise 's handling of the situation is unacceptable and does not comply with financial consumer protection laws.

I am seeking immediate intervention to : 1. Hol
d Wise fully accountable for their mistake and ensure that my {$48000.00} is refunded to my correct bank account immediately. 2. Obtain official documentation from Wise, proving the incorrect refund and their recall efforts.

3. Demand Wise to provide a concrete resolution timeline and not simply wait XXXX  days before abandoning the recall process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I am writing to formally request the immediate deletion and blocking of the following accounts on my credit report, which I believe have been compromised due to a recent data breach. This action is requested pursuant to the provisions outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which afford victims of identity theft the right to have fraudulent accounts blocked from their credit report. 
The accounts in question are as follows : 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  - {$8100.00} Additionally, I request that the following inquiry be removed from my credit file : XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am writing to formally request the immediate deletion and blocking of the following accounts on my credit report, which I believe have been compromised due to a recent data breach. This action is requested pursuant to the provisions outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which afford victims of identity theft the right to have fraudulent accounts blocked from their credit report. 
The accounts in question are as follows : 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  - {$8100.00} Additionally, I request that the following inquiry be removed from my credit file : XXXX XXXX - XX/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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on 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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing 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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
Scam from XXXX marketplace to XXXX from my cash app, about a couch, have all screenshots of my conversation and other listings of the scam from others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

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 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
From XXXX XXXX last four of social security number XXXX date of birth XX/XX/XXXX my complaint is that Honda finical refused to grant me an extension on my XXXX XXXX XXXX  reson for extension is that I had a disaster in my home water damage and my house was being repaired I understand I had a extension in the past but this situation happened beyond my control. I will be able to make my normal payment after that and I made payment recently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been noticing and spotting several errors and mistakes on my credit report that I dont seem to find very reasonable and recognizable.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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