vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: IL

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, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, 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 the disputed accounts, 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 2025-01-24 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: TX

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2025-01-24 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:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2025-01-24 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 propery 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information.

The Consumer Financial Protection Bureau ( CFPB ) has initiated lawsuits against credit reporting agencies for failing to comply with federal law. Notably, the CFPBs suit against XXXX ( XXXX ) highlights the consequences of conducting sham investigations and failing to address consumer disputes effectively. Your continued non-compliance places your agency at similar legal risk. The ongoing presence of these fraudulent accounts has caused irreparable harm to my creditworthiness, financial standing, and personal well-being. The unauthorized accounts, created without my knowledge or consent, must be immediately removed. Equifax continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand that Equifax remove the fraudulent accounts from my credit report. This situation has been exacerbated by data security breaches involving Equifax XXXX XXXX ( XXXX XXXX. XXXX ), which exposed my personal information to misuse. I am requesting the immediate removal of these fraudulent accounts from my credit files. The disputed items are below : Credit XXXX Bank ; Balance : {$1300.00} ; Opened Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$730.00} ; Opened Date : XXXX. XXXX, XXXX XXXX XXXX ; XXXX : {$69.00} ; Opened Date : XXXX. XXXX, XXXX XXXX XXXX XXXX  ; XXXX : {$200.00} ; Open Date : XXXX. XXXX, XXXX Equifax have continue to fail at conducting a timely and meaningful investigation, as mandated under 15 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized and linked to the Equifax data breach; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy. Equifax violations of the law and their actions, or lack thereof, constitute the following : Failure to Investigate : Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reinvestigation of disputed information within 30 days of receipt. Equifax has failed to meet this obligation in my case ; Negligence in Reporting : Under 15 U.S.C. 1681e ( b ), you are obligated to ensure that all reported information is accurate and up to date. Your continued reporting of unauthorized accounts fails this standard ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank was in error by reporting late payments on my account when they didn't take my automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I am outraged by the blatant disregard for legal compliance demonstrated by the unwarranted and unauthorized reinsertion of a fraudulent tradeline on my credit report. This act is a flagrant violation of the Fair Credit Reporting Act ( FCRA ) and exposes a gross negligence in your duty to manage sensitive credit information responsibly. 
Inadequate Investigation : Experian has failed to conduct the necessary and reasonable investigations into the fraudulent accounts, despite provided evidence and documentation. 
Maintenance of Inaccurate Information : Experian continues to list unverified and inaccurate information on my credit report, in clear violation of FCRA mandates.

Failure to Notify Information Furnishers : Experian has not fulfilled its obligation to notify furnishers of the disputed information, further complicating the resolution process.

Failure to Conduct a Reasonable Investigation : Experian has not conducted a reasonable investigation into the fraudulent accounts reported, contrary to the obligations set under FCRA Section 611 ( 15 U.S.C. 1681i ).

Negligence in Maintaining Accurate Information : Experian continues to report inaccurate and unverified information on my credit report, a clear violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ).

Failure to Notify Furnishers of Information : Experian has not adequately notified the furnishers of the information about my disputes as required, hindering the resolution of these fraudulent issues. Negligence in Maintaining Accurate Information ( FCRA, Section 623 [ 15 U.S.C. 1681s-2 ] ) : The continued presence of these unverified accounts on my credit report demonstrates a lack of due diligence on your part to maintain accurate information.

Notification and Procedure Failures ( FCRA, 1681i ( a ) ( 3 ) ) : There has been a failure to properly notify the furnishers of the information about my disputes as required by law, impeding the resolution of these issues.

Blocking of Fraudulent Information ( FCRA, Section 605B ) : You are required to block fraudulent information within four business days of receiving an identity theft report, which has not been observed.

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 2025-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
I was originally contacted via XXXX mail on XX/XX/XXXX stating I owe {$18000.00} in charges related to a company named " XXXX XXXX XXXX XXXX '' by XXXX XXXX XXXX. 

Although I once lived at that address, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  my payments to the landlord were current and complete. These payments to my former landlord were in his name and no such company exists with the name " XXXX XXXX XXXX XXXX ''. 

I moved out of XXXX XXXX XXXXXXXX XXXX XXXX XXXX and several months later I began receiving mail at my new address related to credit card accounts being attempted to open. 

I understood that I was a victim of identity theft and filed a police report. 

Upon receiving the debt notice from XXXX XXXX XXXX, I gave them the requested police reports and documentation, but they have been slow to remove the collections action from my credit reports. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-24 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: FL

Complaint narrative:
I am writing to formally dispute the recent reinsertion of accounts into my credit report without providing me with the legally required notice under the Fair Credit Reporting Act ( FCRA ). Specifically, Section 611 ( a ) ( 5 ) ( B ) of the FCRA mandates that if an item is reinserted into a consumers credit file after deletion, the consumer must be notified in writing within five business days of the reinsertion.

To date, I have received no such notice, which constitutes a clear violation of federal law. This failure to comply with FCRA regulations is unacceptable and has prompted me to file a formal complaint with the Better Business Bureau ( BBB ).

The reinsertion of these accounts has caused undue stress and potential harm to my credit profile, which directly impacts my financial stability. I demand that TransUnion : 1. Provide documentation detailing the reinsertion process and proof that the accounts in question meet the criteria for reinsertion under the FCRA.

2. Immediately remove any reinserted accounts that were added without following the proper legal procedures.

3. Confirm in writing that my file has been corrected and that no further reinsertions will occur without full compliance with the FCRA.

Failure to resolve this matter promptly may result in additional complaints to regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ), and further legal action. 
Listed below are the Accounts & Collections that are being challenged 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 I expect a response within the timeframe outlined under the FCRA and look forward to your swift resolution of this issue

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 2025-01-24 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: TN

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. 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 the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have received a copy of my credit report from Transunion that currently still shows inaccurate information. I have sent 3 requests to Transunion for an investigation of the alleged public record listed of bankruptcy and a XXXX XXXX # XXXX. I have received an incomplete and unverified information back from TransUnion states that alleged public record verified per data furnisher. Transunion have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply. I demand you to remove this item below : 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 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 2025-01-24 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: VA

Complaint narrative:
Misleading my personal information and wouldn't allow me to cancel my subscription for years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: DE

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. 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 the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXXXXXX 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 2025-01-24 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:
XXXX XXXX XXXX is still reporting on my credit file Acct # XXXX per Equifax credit file. XXXX XXXX XXXX attorney replied back to the CFPB just recently stating I didn't have a loan that was opened on XX/XX/year> please read the response Equifax you were apart of the attachment. You are violating my rights as a consumer Also per Fair Credit Reporting act 15 U.S.C 1681 written consent to report this unknown account was not given please remove this account immediately. You have 48 hours to remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I PULLED MY CREDIT REPORT AND FOUND THIS COLLECTION THAT WAS UNKNOWN TO ME. ON XXXX XXXX XXXX, VIA CERTIFIED MAIL WITH RETURN RECEIPT, I SENT A LETTER TO THE COMPANY TO REQUEST DEBT VALIDATION, PURCHASE AGREEMENT, THE ORIGINAL PURCHASE AGREEMENT AND PROOF OF AUTHORIZATION TO COLLECT THIS DEBT. THIS LETTER WAS DELIVERED TO THE COMPANY ON XXXX XXXX XXXX TO THIS DAY, NOW 10 MONTHS LATER, I HAVE NOT RECEIVED THE REQUESTED INFORMATION. I DISPUTED THIS DEBT WITH THE 3 CREDIT BUREAUS AND IT WAS REMOVED FROM XXXX AS VALIDAITON WAS NOT RECEIVED. I RECEIVED NOTIFICATION FROM MY EMPLOYER THAT A WAGE GARNISHMENT WAS ENTERED AGAINST ME. I CONTACTED THE COURT AND WAS NOTIFIED HAT A SUIT WAS FILED AGAINST ME WITHOUT ME BEING NOTIFIED OF THE COURT DATE OR ANY INFORMATION REGARDING THIS. I CONTACTED THE COMPANY AND WAS TOLD THAT THE INFORMATION WAS NOT SENT AS THERE WAS A CEASE CONTACT ON THEIR FILE WHICH WAS NEVER FILED WITH THEM BY MYSELF. THIS IS VERY UNFAIR PRACTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX went to XXXX and no could tell me where the money went back in 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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
AMOUNT {$750.00} : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; I have been writing them and XXXX  months later still have not received the information I have been requesting. I have been asking for the Original Purchase Agreement signed by all parties ( including myself ) since my personal information has been passed around to people I do not know. This account has been charged off, and I do not owe these people any money since it is NOT their debt.

Company response to consumer: Closed with explanation