vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XX/XX/25 Experian Information Solutions , Inc . 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law.

Thereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

1. Provide me with all documentation used to verify the accuracy of the disputed information.

2. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, | expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, 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 2025-01-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please check the information concerning the Equifax data breach in attachments. I've been a victim in the past on a data breach due to many credit reports that I have received. I am looking and trying super hard to resolve this issue. I just need help..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this complaint within 4 business days of receiving said complaint. 
The following item resulting from the identity theft that should be blocked and deleted, by Equifax. 
NAME : XXXX XXXX XXXX, XXXX XXXX, Addresses : XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Public records : Bankruptcy : XXXX XXXX Filed on XX/XX/year> reference number : XXXX, ACCOUNTS : DEPT OF ED/XXXX  XXXX {$100000.00} XXXX XXXX XXXX  Account number XXXX {$0.00}, EQUIFAX XXXX {$0.00}, EQUIFAX XXXX {$0.00}, BANKRUPTCY XXXX  XXXX Reference number XXXX XXXX, XXXX XXXX XXXX  XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX  {$0.00}, XXXX XXXX XXXX XXXX XXXX  {$6700.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX

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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of dispute 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, accepting unreliable responses, and failing to adequately notify consumers of dispute. These failures align with experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the dispute accounts, as Experian inactions violates federal law and my right 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 2025-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/year> asked Marcus by Goldman Sachs to with drawl {$480.00} from XXXX XXXX XXXX XXXX but the transaction was done twice. So on XX/XX/year> I asked XXXX XXXX to have {$480.00} sent back to my checking account for Marcus Sach which was done. Ever sine then my account at Marcus Sachs has been Frozen. Even though operating engrs was the back I sent Goldman sachs the first deposit to open the account and have also done other deposit from that account to them. Called Marcus on XX/XX/XXXX to get it unfrozen spoke to a account person said I had to do a 3 way call with XXXX to get it unfrozen which I said ok but XXXX does not do them. So on XX/XX/XXXX I spoke with a supervisor that said she could see transfers from XXXX before so this should not of happened and that in 5 working days it would be unfrozen. So XX/XX/XXXX spoke with XXXX and he said this should not of happened and that he would expedite it. I still can not access my money I have made about 10 phone calls with no success number called is XXXX XXXX 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 — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
after receiving {$1800.00} into my XXXX account it was suspended. i have reached out via email as they state that is the only way to communicate with them concerning this matter and i have not had any contact. this money is for a very time sensitive payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to dispute another error that has been made by Experian as a result of them supposedly investigating matters on my credit report. Not only is it a problem that I feel they have not properly investigated the validity of the negative items on my credit report but they have now begun to delete part of my positive credit history. 

Upon reviewing my credit report dated XX/XX/XXXX I noticed that positive information had been deleted from my credit history. The deleted information pertains to a XXXX XXXX credit card account with a {$40000.00} credit limit that has been open since XX/XX/XXXX and which has no derogatory remarks or late payments. 

This information was previously reported by Experian. This deletion is truly a grave mistake, as the account was in good standing with no negative marks. I request that you assist me in insuring that Experian investigates this matter and reinstate the deleted positive information to my credit report. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report, and the removal of positive information has affected my creditworthiness. 

I have enclosed screenshots of portions of my credit report in which it clearly reflects that the information was deleted. I would like for the information to be thoroughly investigated and I would like to be provided with a copy of the results. Please assist me in resolving this matter as soon as possible because it is affecting my credit report and the percentages on credit which I am offered. 

Thank you for your prompt attention to 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 2025-01-25 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: TX

Complaint narrative:
To whom it may concern, I am writing to dispute the following items items on my credit report that I believe are inaccurate or in violation of my rights under federal law. 

XXXX XXXX XXXX BALANCE {$1800.00} DATE XX/XX/XXXX XXXX The actions that was taken by me was Disputing the collection with Experian Multiple times and i recived no professional response or investigation CURRENT ( CLOSED ACCT ) XX/XX/year> This account does not belong to me i have no knowledge of this account The action taken by me was reacing out to the Company and requesting it be removed because of inacurate and false information i aslo Filed a dispute through experian and did not recieve a professional response or investigation. 

Specifically, I am invoking the following legal protections : 15 USC 1605 ( Truth in Lending Act ) : This section requires clear and accurate disclosures of the terms and conditions related to credit transactions. I believe the information on my credit report does not fully or accurately reflect the terms under which my credit was extended.

15 USC 1642 ( Credit Card Applications and Solicitations ) : If any credit reporting includes inaccurate or misleading representations of my credit applications or solicitations, I request immediate correction and removal of such entries.

15 USC 1691 ( Equal Credit Opportunity Act ) : If any of the items on my credit report were the result of discriminatory practices or actions that violate my rights to fair lending, I am requesting these items be removed from my report immediately.

12 CFR 100 et seq. ( Regulation B Equal Credit Opportunity ) : Under Regulation B, I am entitled to accurate reporting and fair lending practices. If the entries on my report violate these provisions, I demand they be removed.

I respectfully request that these items be thoroughly reviewed, and I request their removal from my credit report. Please provide a timely resolution in accordance with the legal rights outlined above. 

Thank you for addressing this matter promptly. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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: TX

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. 

The inaccurate Accounts Include 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 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate 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. 

The inaccurate Accounts Include : 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 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: LJ Ross Associates
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company public response: Company disputes the facts presented in the complaint
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: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: LA

Complaint narrative:
Recently obtained my XXXX CREDIT REPORT and NONE of my personal information is correct. Name, phone number, address, SSN. However, Im a victim of Identitytheft XXXX. However the FCRA RIGHTS reads that ALL REPORTING information must be ACCURATE! Nothing on XXXX credit account is correct.

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: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the reporting of an account on my credit report that was originally owned by XXXX XXXX XXXX. The account in question is referenced as XXXX on my credit report. 

According to my records, this account was sold by XXXX XXXX XXXX to a debt collection agency by the name XXXX XXXX XXXX. Despite this transfer, XXXX XXXX XXXX is still reporting this account as being owned by your institution, which is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of credit information are required to report accurate and up-to-date information to credit reporting agencies. In this case, the reporting of this account as owned by XXXX XXXX XXXX is incorrect because the debt was sold to another entity.

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: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the reporting of an account on my credit report that was originally owned by XXXX XXXX XXXX. The account in question is referenced as XXXX on my credit report. 

According to my records, this account was sold by XXXX XXXX XXXX to a debt collection agency by the name XXXX XXXX XXXX. Despite this transfer, XXXX XXXX XXXX is still reporting this account as being owned by your institution, which is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of credit information are required to report accurate and up-to-date information to credit reporting agencies. In this case, the reporting of this account as owned by XXXX XXXX XXXX is incorrect because the debt was sold to another entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NV

Complaint narrative:
I do not owe this company a debt. I have no contract with them, have received no goods or services from them that would have me owe them any sum of money. When I reach out to them all they do is continuously ask me to confirm my information. They can not give me any documentation that would show that I owe their company money.

Company response to consumer: Closed with explanation