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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. 
Identify items ( account and inquiries ) are resulting from the identity theft that should be blocked or deleted. 
ACCOUNT : Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/year> Status : Paid, Closed.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

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 ( 1 ) 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 oss , 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: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I Made a loan modification with One Main Financial, in XXXX of XXXX. The associate made a mistake and charged me 2 times on the same day. XXXX  days later they finally credited my account the XXXX dollar extra payment they have taken. But immediately in XXXX, they tell me i owe XXXX payments since they refunded me the XXXX. I have spoken to numerous associates and requested that be updated so i can pay the monthly installments I had agreed upon to no avail. They call me every day and I have to retell the story. Some understand others are downright insulting about it. I have offered multiple times to cover the XX/XX/year>, XX/XX/year> and now the XXXX XXXX, but they are dead set in collecting the XXXX they sent me back because of their mistake and although I don't expect that refund to not be added to the overall balance, they don't seem to understand that. They must collect upon it immediately or else I'd be perpetually late. I'm sick of it

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: DE

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: DE

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: UT

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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-24 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I disputed a couple of accounts in my experian report last year and still nothing happened didnt received any paper work and disputed accounts still shows on my report

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inadequate Investigations by Credit Reporting Agencies To Whom It May Concern, I am writing to formally express my concerns regarding TransUnion, XXXX, and XXXX failure to properly investigate and address inaccuracies on my credit reports. Their actions, or lack thereof, have caused significant harm to my financial well-being, and I believe they have violated their obligations under the Fair Credit Reporting Act ( FCRA ). 
I disputed the following inaccuracies with trans Union including accounts that incorrect balances, or inaccurate personal information. I provided substantial documentation to support my claims, including credit report. Despite this, the agency failed to conduct a thorough investigation, as required by law, and the errors remain on my report. 

This lack of accountability has severely impacted my credit score, hindering my ability to secure a loan, obtain a mortgage, etc. Additionally, it undermines the trust consumers place in these agencies to handle their financial information accurately and responsibly.

I am aware of the Consumer Financial Protection Bureaus ( CFPB ) involvement in addressing such systemic failures and lawsuits against these credit reporting agencies for similar violations. I am requesting the CFPBs assistance in ensuring these errors are corrected and that the agencies comply with their investigative responsibilities under the FCRA.

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: NV

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. These are the accounts that I have marked inaccurate. None of which have account numbers listed in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid off my car loan early without any late payments. However, my credit report shows the account as closed.

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: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of the XXXX XXXX account ( Account # XXXX ) on my credit report. Both TransUnion and XXXX have made multiple updates to this account, yet the discrepancies remain unresolved and continue to negatively affect my creditworthiness. 

Here are the key issues with this account : Repeated Updates : The account has been updated twice within a short period, yet the reported information remains inconsistent. This suggests potential errors or a lack of thorough verification. 
Inconsistent Details : TransUnion and XXXX report conflicting information regarding the " Date of Last Activity, '' " Creditor Remarks, '' and " Dispute Status. '' Such inconsistencies cast doubt on the accuracy and reliability of the reported data. 
Account Status : Both bureaus continue to report the account as a " Charge-off, '' despite its closed status. These repetitive updates cause confusion and undermine the integrity of my credit file. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate, complete, and verifiable. Given the ongoing errors and lack of resolution, I kindly request that this account be permanently removed from my credit report. 

XXXX and XXXX as both removed this unverifiable account. 

XXXX was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers and Transunion this can easily be your company. 

Enclosed are the following : A copy of my credit reports highlighting the disputed account. 
A copy of my identification to verify my identity. 
A copy of dispute resolution with XXXX and XXXX Please investigate this matter promptly and provide a written response detailing the actions taken. Also, I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through XXXX because you could not have read this dispute and continued to report against the FCRA. If the information can not be verified or corrected, I request the immediate deletion of this account from my credit file. 

Thank you for your time and cooperation. I look forward to your response.

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: TX

Complaint narrative:
I am writing to formally dispute the reporting of the XXXX XXXX account ( Account # XXXX ) on my credit report. Both XXXX and Equifax have made multiple updates to this account, yet the discrepancies remain unresolved and continue to negatively affect my creditworthiness. 

Here are the key issues with this account : Repeated Updates : The account has been updated twice within a short period, yet the reported information remains inconsistent. This suggests potential errors or a lack of thorough verification. 
Inconsistent Details : XXXX and Equifax report conflicting information regarding the " Date of Last Activity, '' " Creditor Remarks, '' and " Dispute Status. '' Such inconsistencies cast doubt on the accuracy and reliability of the reported data. 
Account Status : Both bureaus continue to report the account as a " Charge-off, '' despite its closed status. These repetitive updates cause confusion and undermine the integrity of my credit file. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate, complete, and verifiable. Given the ongoing errors and lack of resolution, I kindly request that this account be permanently removed from my credit report. 

XXXX and XXXX as both removed this unverifiable account. 

Equifax was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Equifax does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers and XXXX this can easily be your company. 

Enclosed are the following : A copy of my credit reports highlighting the disputed account. 
A copy of my identification to verify my identity. 
A copy of dispute resolution with XXXX and XXXX Please investigate this matter promptly and provide a written response detailing the actions taken. Also, I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through XXXX because you could not have read this dispute and continued to report against the FCRA. If the information can not be verified or corrected, I request the immediate deletion of this account from my credit file. 

Thank you for your time and cooperation. I look forward to your 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My information was leaked in a data breach. And I believe my identity was used. I asked for validation of my debts rapidly which I am entitled to and credit bureau failed to do so Referencing : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. 
Identify items ( account and inquiries ) are resulting from the identity theft that should be blocked or deleted. 
ACCOUNT : Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Date opened : XX/XX/year> Status : Paid, Closed.

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. 
Identify items ( account and inquiries ) are resulting from the identity theft that should be blocked or deleted. 
ACCOUNT : Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Date opened : XX/XX/year> Status : Paid, Closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I paid off my car loan early without any late payments. However, my credit report shows the account as closed.

Company response to consumer: Closed with explanation