vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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:
i am filing complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds with 24 hours stating the account is accurate, without providing any evidence of a through investigation. this practice violates the FairCredit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigations.

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 2025-03-20 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 complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds with 24 hours stating the account is accurate, without providing any evidence of a through investigation. this practice violates the FairCredit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigations.

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 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 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 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I have had cash app for over XXXX and cash app never have an actual number to call to speak to someone and also never gave me back money I was scammed out of over the yrs. Cash app gave me a fake contact number to call and pretended it was a legitimate customer service number. Cash app has given away my personal information by allowing someone to act as a virtual representative and these people had asked me for my personal information for verification and never helped me. This is a breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I have submitted a dispute to Experian multiple times regarding a reporting of web bank/finger hunt reporting. Experian has yet to provide validation of this debt. This account was paid never late and need to be updating correctly.

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 2025-03-20 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: CO

Complaint narrative:
Dear Attorney General XXXX XXXX I am writing to file a complaint against Trans Union for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) in relation to inaccurate information being reported on my credit file. Trans Union has failed to provide proper verification of the alleged account or remove it from my credit report. Trans Union is reporting inaccurate and unverified information on my credit file, despite multiple disputes. Trans Union has not provided any legally sufficient documentation verifying the alleged account. Trans Union has ignored my requests for proof of permissible purpose to report this account. Additionally, Trans Unions failure to correct this informati

on has caused me financial harm, including credit denials and higher interest rates. Under the FCRA, Trans Union is required to ensure the maximum possible accuracy of consumer credit reports ( 15 U.S.C. 1681e ( b ) ) ; conduct a reasonable investigation when a consumer disputes information ( 15 U.S.C. 1681i ) ; have a permissible purpose for reporting an account ( 15 U.S.C. 1681b ) ; and delete or correct unverified accounts after a proper investigation. Despite its legal obligations, Trans Union has failed to comply with these requirements, leaving me with an unjustified negative credit report that affects my financial stability. I have sent multiple dispute letters to Trans Union and provided all necessary documentation, yet they continue to verify the debt without providing valid proof. I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), but Trans Union has still not corrected the issue. As the chief consumer protection agency in my state, I am requesting your office to : 1. Investigate Trans Unions repeated FCRA violations and hold them accountable for their failure to correct inaccurate reporting. 2. Force Trans Union to provide legally valid verification of the account or remove it from my credit report. 3. Take enforcement action if Trans Union is found to be in violation of federal or state consumer protection laws.

Trans Unions continued negligence is causing me financial harm, and regulatory intervention is necessary.

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 2025-03-20 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: CO

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-03-20 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: CO

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: Alorica Inc.
State: GA

Complaint narrative:
Last year an account was reporting from a company called XXXX on my XXXX credit report. Once I received the alert, I contacted the company directly. The had an account open with my information from a previous address that I had not lived at. I sent the information requested and they deleted the account. Now I just received an alert on my XXXX report and it is stating a company called SST is reporting an account which is a transferred account from XXXX. This is a fraudulent account and needs to be deleted immediately. The XXXX account was deleted from my XXXX report on XX/XX/2024 XXXX was {$15000.00}. Below is the information from when the account was removed from my XXXX report. 

XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted You can contact XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX or ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
SOFI closed my account and isn't willing to send a check to my mailing address for the amount that was in my account. They are claiming that I am not " entitled '' to the money which they have no right to determine as it was a family member 's money that was deposited in my account. They have stolen my funds and I'd like the legal contact information for their team as I plan on taking this to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
I am writing to file a complaint against Equifax Information Services LLC for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) in relation to inaccurate information being reported on my credit file. Despite my repeated attempts to dispute this matter for over XXXX years, Equifax has failed to provide proper verification of the alleged account or remove it from my credit report. Equifax is reporting inaccurate and unverified information on my credit file, despite multiple disputes. Equifax has not provided any legally sufficient documentation verifying the alleged account. Equifax has ignored my requests for proof of permissible purpose to report this account. Additionally, Equifaxs failure to correct this information has caused me financial harm, including credit denials and higher interest rates.

Under the FCRA, Equifax is required to ensure the maximum possible accuracy of consumer credit reports ( 15 U.S.C. 1681e ( b ) ) ; conduct a reasonable investigation when a consumer disputes information ( 15 U.S.C. 1681i ) ; have a permissible purpose for reporting an account ( 15 U.S.C. 1681b ) ; and delete or correct unverified accounts after a proper investigation. Despite its legal obligations, Equifax has failed to comply with these requirements, leaving me with an unjustified negative credit report that affects my financial stability. I have sent multiple dispute letters to Equifax and provided all necessary documentation, yet they continue to verify the debt without providing valid proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NV

Complaint narrative:
Some one open an account with out my permission XXXX XXXX XXXX, and numerous inquiries XXXX, XXXXXXXX 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 2025-03-20 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:
HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report, and I am verifying that these NEGATIVE accounts are not mines. Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. XXXX says I have a right to decide what I deem private. I deem that these Negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 6802- I have the right to opt out of any information shared to a financial institution directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

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 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items 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 2025-03-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items 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 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which 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 ( 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 2025-03-20 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX  XXXX Account was paid but still shows up on report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MS

Complaint narrative:
I talked to XXXX different people on the phone today XX/XX/year> and the first lady was rude after my frustrations. She told me I could send my documents today. At the time I thought I could not access my documents. She hung the phone up on me. Second guy was ruder. He fixed the information on documents through the company not to let me send in my information and I was told by the prior female I talked to that I could send in my documents. Because that was all I had to do. The male supervisor was worse. Rude and uncanny. The last lady I talked to was nice, but I believe she was misled by the notes they had on my account from the previous people. I really couldn't understand anything they was saying and even though they all were rude and unprofessional I didn't resolve any of my problem and now mine and my husband refund is delayed. Because they do not know how to treat customers and is rude and XXXX trying to belittle me. I was told that They sent out XXXX emails regarding the account but XXXX was sent out. And they said it came Friday XX/XX/XXXX and Saturday the XXXX but the IRS said it came on the XXXX of XX/XX/year> 2025

Company response to consumer: Closed with explanation