vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
I am filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds stating the account is accurate while providing zero evidence of any investigation or proof. This practice violates 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 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts that I have marked as inaccurate : Portfolio Recovery, {$530.00} XXXX XXXX XXXX, {$320.00} XXXXXXXX XXXX XXXXXXXX, {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
On XX/XX/year> I Filed a complaint about experian reporting inaccurate information that I proved to be inaccurate. I filed an additional complaint on XX/XX/year> stating eperian did not properly investigate my dispute and were still reporting inaccurate information. I also informed The CFPB that an experian employee told me on a recorded line, that they don't investigate. They send a notice of dispute to the company that's reporting & if they claim it's verified, then they close out the dispute as updated. These frivolous late payments have hindered me significantly financially.

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 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX Re : XXXX  of Credit Debt Claim - Case Number : XXXX Plaintiff : Capital One Defendant : XXXX XXXX and XXXX XXXX Dear XXXX XXXX XXXX Supreme Court Clerk Office I am writing to formally contest the validity of the debt you claim I owe, as referenced in your correspondence dated Capital One- Case Number : XXXX. I believe that there are inaccuracies in your account, and I would like to address them. 
First and foremost, I request that you provide me with a detailed breakdown of the alleged debt. According to the Fair Debt Collection Practices Act, I am entitled to request validation of the debt, including the original creditor 's name, the amount owed, and any associated account numbers. Please provide this information within the next 30 days to ensure clarity on this matter. Additionally, I would like to point out that my records indicate that the account in question may have discrepancies. Specifically, Account was opened XX/XX/XXXX, credit line authorized for XXXX, during this I have filled all obligations in maintaining agreement with Capital One SavorOne Card, I have attached all supporting documentation as payments made, through my parent account. I believe that these discrepancies could significantly alter the amount you claim I owe. 
Furthermore, I would like to highlight that I disputed the amount charged off was incorrect and payments were being made. Capital One chose to no longer accept payments in XX/XX/XXXX, when capital One closed the account without notice I owed at the time XXXX, the XXXX Capital One closed the account a XXXX dollar posted leaving a balance of XXXX dollar not XXXX, I had also set up monthly payments until the balance was resolved even though Capital One select and decide not to accept payments XX/XX/XXXX, this information is crucial for resolving this matter and ensuring that my credit report accurately reflects my financial history. Until this dispute is resolved and I receive the requested information, I ask that you cease all collection activities related to this account. Failure to do so may result in a formal complaint being filed with the Consumer Financial Protection Bureau.

I also have video from my security camera showing a process server coming and leaving paperwork and than coming back 2 hours later and removing the paperwork it wasn't until I went to three different courts to find out this law firm filed a suit against me without serving me paperwork Thank you for your attention to this matter. I look forward to your prompt response and to resolving this issue amicably. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
I am writing to express my frustration and disappointment with XXXX failure to address and correct flawed financial data in my credit report. Accurate credit information is critical for financial stability, and the errors on my report have negatively impacted my ability to secure opportunities such as loans, housing, and other essential services. Despite following the proper procedures to dispute these inaccuracies, including providing supporting documentation, the issues remain unresolved. Each time Ive contacted XXXX, Ive been met with vague responses, lack of accountability, and no clear resolution timeline. It is disheartening to see such a vital institution failing in its responsibility to maintain accurate and reliable financial records for consumers. I rely on XXXX to ensure my credit report reflects my true financial standing, and I am deeply concerned about the lack of urgency in addressing these errors. The failure to act promptly has caused unnecessary stress and financial hardship, leaving me with little recourse. I am requesting immediate action to thoroughly review my disputes, correct the inaccuracies, and ensure that these errors are not repeated. Furthermore, I urge XXXX to improve its dispute resolution process and communication to better serve consumers like myself who depend on your service to manage their financial health responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AZ

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have identified to be inaccurate : 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 2025-01-27 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year> Account Name : XXXX XXXX  XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>

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 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. 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 2025-01-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. 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 2025-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
This account is marked as a collection with a past-due balance as of XX/XX/year>. However, I believe this information is incorrect. The amount reported is incorrect. I request that you investigate this matter and remove or correct the inaccurate information. any changes are made to my credit report, I request an updated copy. You can reach me at [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Dispute of addresses and phone numbers not associated with me.

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 2025-01-27 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
After pulling my credit report, I could see that Target was reporting late payments on these days listed ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). I've called Target several times to get this inaccurate information removed because my accounts were never late. The Target reps never helped with disputing this inaccurate information. It was never removed or updated. This is against the FCRA and 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: VA

Complaint narrative:
Despite my repeated disputes, Equifax has failed to properly investigate my account. On multiple occasions, Equifax has removed some of the disputed late payment entries, only to reinsert them later without providing any explanation or evidence of a thorough investigation. This practice demonstrates a clear failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct reasonable and complete investigations of disputes.

Equifaxs handling of these disputes has caused significant distress and negatively impacted my creditworthiness. The lack of proper investigation raises concerns similar to those noted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ), which highlighted broader issues with Equifaxs compliance practices. This pattern of noncompliance further underscores the importance of addressing my complaint.

I have submitted multiple disputes directly to Equifax, but they have failed to take corrective action. I am asking that the CFPB oversee this issue to ensure proper handling and resolution. I also request that Equifax provide detailed documentation of their investigative process and an explanation for why the late payments were reinserted after being removed. 

Below is a list of the disputed dates, organized in chronological order : XX/XX/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 XXXXXX/XX/XXXX Please let me know if you require any additional information or documentation from my side to facilitate this dispute. I trust in your commitment to ensuring fairness and accuracy in credit reporting. 

Thank you for your prompt attention to this matter. I look forward to hearing back from you with confirmation that these inaccuracies have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend all negative accounts that have been disputed and continue to be disputed as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CO

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
Over the past few months, XXXX XXXX has been contacting me about a {$140.00} debt I had already resolved years ago with a rental property company, formerly XXXX XXXX in XXXX XXXX, TX. 

Last week, I emailed XXXX XXXX at XXXX, providing them with the ledger from the rental property that clearly demonstrates I do not owe any balance. Despite this, they have not responded and instead sent another " reminder '' to pay this amount. 

I strongly suspect that this company may be engaging in fraudulent practices to extract money from individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NC

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 resolutions 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 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that the verification and documentation that there is a valid basis for claiming that I must pay the debt. 

Upon receiving documentation from XXXX, I would like to dispute the validity of this debt. They're are discrepancies within the lease. I am seeing that I am being listed on this lease I have no knowledge of and that is not my signature on the end of the lease, and there are additional names listed on the lease. 

I have submitted disputes for this account and provided documentation to prove the information is inaccurate and unverifiable. However, credit and collection agencies have failed to verify this information properly or responded with generic statements without explaining their investigation process and correcting the errors.

Company response to consumer: Closed with explanation