vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding an accuracy 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 violate the fair credit reporting act FCRA, 15 U.S.C 1681I which mandates a reasonable investigation of disputes furthermore, Equifaxs actions may also contravene the consumer financial protection act CFPA, 12 USC 5536 a one a B as highlighted in CFPBs recent administrative proceedings. furthermore Equifaxs actions may also contribute the consumer financial protection act CfPA 12 U.S.C553681AB. 
These accounts include : XXXX XXXX XXXX XXXX XXXX ( Closed ) XXXX XXXX XXXX XXXX ( Closed ) Department of Education XXXX Closed ) XXXX XXXX XXXX Closed ) I have also requested to have my name and address updated to my current address, which is XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX I have requested to have the other address removed from my credit report as well and that did not happen either. I would like to have this updated on my credit report as I am attempting to purchase a home thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding an accuracy 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 violate the fair credit reporting act FCRA, 15 U.S.C 1681I which mandates a reasonable investigation of disputes furthermore, Equifaxs actions may also contravene the consumer financial protection act CFPA, 12 USC 5536 a one a B as highlighted in CFPBs recent administrative proceedings. furthermore Equifaxs actions may also contribute the consumer financial protection act CfPA 12 U.S.C553681AB. 
These accounts include : XXXX XXXX XXXX XXXX XXXX ( Closed ) XXXX XXXX XXXX XXXX ( Closed ) Department of Education XXXX Closed ) XXXX XXXX XXXX Closed ) I have also requested to have my name and address updated to my current address, which is XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX I have requested to have the other address removed from my credit report as well and that did not happen either. I would like to have this updated on my credit report as I am attempting to purchase a home thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: MI

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$68000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: MI

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$68000.00}

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 non-monetary relief
Consumer complaint received 2025-02-17 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: MI

Complaint narrative:
This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from my report 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 Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$650.00}

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 2025-02-17 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: NC

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: IL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX **** XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am filing a complaint against Rent Recovery Solutions, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX, for failing to respond to my multiple attempts to provide evidence that a collection account they have reported against me is the result of identity theft. 

I have already provided proof of my long-term Texas residency to an Arizona court , which confirmed that I have never lived at XXXX XXXX or opened any accounts with them. The court issued a final order on XX/XX/XXXX, officially removing the judgment from my name. I have police reports, FTC identity theft reports, and the signed court order verifying that I was not the person who lived in XXXX XXXX. 

Despite my efforts to contact Rent Recovery Solutions to provide this documentation, they have not responded to my calls and have not provided any email or mailing address where I can submit the necessary documents to clear this fraudulent debt. 

This inaccurate collection is not just an issue on my credit reportit is actively preventing me from moving my family to a new home in XXXX. I have never had any credit issues, late payments, or collections in my life, yet this fraudulent debt is now standing in the way of securing housing for my family. 

I am requesting that the CFPB intervene to ensure that Rent Recovery Solutions acknowledges my dispute, allows for a pathway to provide the proof, reviews my documents, and removes this fraudulent collection account from my credit report immediately. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-17 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-17 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
15 usc 1692c that law clearly states, if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. If I'm not mistaken reporting to my consumer report is a form of communication.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
15 usc 1692XXXX that law clearly states, if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. If I'm not mistaken reporting to my consumer report is a form of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 EB

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 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
Th bank is WELLS FARGO. Last statement was on XX/XX/year> and in the stetement they mentioned inactive account and they might forfeit the money in the account. 
IThey cancelled my online access and when calling over the phone they told me that they could not verifiy me and they would not provide any information. 
I have called several numbers and different ocassions without any result. I had {$9900.00} dollars in it. 

Unfortunately I am abroad, and I am XXXX and I could not travel to a branch for help. 
They never renewed my ATM card-

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 2025-02-17 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: MI

Complaint narrative:
I hope this message finds you well. I am following up on the complaints I submitted regarding discrepancies in my credit report. To date, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I would appreciate an update on the current status and any progress made in addressing the issues I previously outlined. 

Below are the specific items I am requesting to be removed from my credit file : 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 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 2025-02-17 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:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NY

Complaint narrative:
Complaint to the CFPB Regarding Inaccurate Information on Credit Report [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Information on My Credit Report Dear CFPB Representative, I am submitting this complaint regarding inaccurate information on my credit report, which I have attempted to dispute with the credit reporting agency XXXXand the creditor, but the issue remains unresolved. 

Details of the Inaccuracy : Account Name : XXXX XXXX Dispute Attempts : I have contacted transUnion on regarding this error. However, despite providing supporting documentation, the incorrect information has not been corrected This inaccurate information is negatively affecting my credit score and financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report. Since my prior disputes have not resolved the issue, I request that the CFPB intervene to ensure this matter is properly investigated and corrected. 


Remove or correct the inaccurate information on my credit report. 


Thank you for your time and assistance in resolving this matter. I look forward to your prompt response. 

Sincerely, [ 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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
Im 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 and 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 2025-02-17 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: Harris & Harris, Ltd.
State: NC

Complaint narrative:
15 usc 1692c that law clearly states, if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. If I'm not mistaken reporting to my consumer report is a form of communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief