vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MD

Complaint narrative:
This complaint against XXXX is in reference to them failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within 24 hours, verifying the account as 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. 2025-CFPB-0002 ) 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 accounts for this complain are below : XXXX XXXX XXXX XXXX XXXX Confirmation # XXXX Individual Account Number : XXXX Amount : {$1300.00} Collection Reported : XX/XX/year> The reason you disputed this item : This is not my collection. 
The results are : VERIFIED AS REPORTED XXXX XXXX XXXX XXXXXXXX Individual Account Number : XXXX Original Creditor : XXXX  XXXX XXXX Balance as of XX/XX/year> : {$440.00} Collection Reported : XX/XX/year> XXXX  XXXX XXXX, XXXX Individual Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance as of XX/XX/year> : {$2400.00} Collection Reported : XX/XX/year> * I did not receive any correspondence for this dispute.

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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and an insurance account opened at XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports within 4 days and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned collections and hard inquiries are the result of identity theft and fraud.

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 not liable for these two debts XXXX XXXX XXXX  and XXXX, I do not have a contract with these two companies XXXX XXXX XXXX and XXXX XXXX XXXX, they did not provide me with the original contract as I requested, also Equifax did not provide the original contract as I requested! Also, I have attached a copy of my Driver License and copy of my Social Security Card to be identified as Equifax requested!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my detailed submissions, Equifax has not conducted a reasonable investigation or provided evidence supporting the accuracy of the disputed information, violating their obligations under federal law. 

This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations of consumer disputes. Additionally, their failure to address these disputes adequately undermines consumer trust and may contribute to broader systemic issues. 

I respectfully request that the CFPB take immediate action to ensure Equifax complies with federal law, provides clear proof of a thorough investigation into my disputes, and rectifies any inaccuracies promptly.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX Date Last Active Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX and there is no reporting at all for XXXX. 

Actions taken by me : Sent several disputes. 

Actions taken by Company : None XXXX XXXX DATE LAST ACTIVE Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

Action taken by me : Sent several disputes Actions taken by company : None

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 — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX Date Last Active XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX and there is no reporting at all for Equifax. 

Actions taken by me : Sent several disputes. 

Actions taken by Company : None XXXX XXXX DATE LAST ACTIVE XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. 

Action taken by me : Sent several disputes Actions taken by company : None

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Comerica
State: MI

Complaint narrative:
I had an account with comerica bank. I was transferring my own money from my checking and savings. They charged me overdraft fees and closed my account. I am now unable to make an account with bank because of this

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: NRA Group, LLC
State: OH

Complaint narrative:
There is a collection account on my credit reports with XXXX and XXXX, labeled National Recovery. However this same account was disputed on XXXX and was deleted due to inaccuracy of the account. The original clock for this debt would have taken place in 2018, meaning the debt is actually XXXX XXXX XXXX coming up closely to it being about 7 years for this debt. However this debt was sold and they are just NOW putting it on my credit report and only reflects the debt is only XXXX XXXX XXXX, placed in XXXX is a discrepancy seeing as how the collections company knows the default of date which was XX/XX/year>. XXXX removed the collection for this reason. This is not accurately reporting the length of the debt, and they won't remove it even though XXXX did for the same reasons. I have tried to dispute this debt several times, even though it clearly states in the report the debt originally occurred in 2018, they will not update the account XXXX remove the collections completely for false reporting of the account information. The dispute report from XXXX shows they have no reported information other than what they purchased and I have not received any documentation on any reports that show they have done this legitimately.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent accounts that appear on my credit report, which I recently reviewed. These accounts are severely impacting my ability to obtain credit, including a mortgage to purchase a home. 

This situation is not only affecting my financial well-being but also constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and removal of the account from my credit 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 non-monetary relief
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: Skrill USA, Inc.
State: FL

Complaint narrative:
XX/XX/year> i thought this company was like XXXX XXXX transferred my money there soon as i do they restrict my account verify account i give them everything they want an then some government documents bank statements debit card number irs award letter court paper they all have the same address with my name logo of company they do nothing but keep rejecting everything so my money sat there for days i called got hung up on multiple times an call back no answer email no answer send them a message no answer they unlock the account for a few mins i guess idk at this point the min i see it i transfer my money back to my account i still have yet to see it its XXXX XXXX i filed a complaint with XXXX  an other sites and they are doing the samething to alot of other people to as well this company aint real its fake an there scamners my friend told me last night they had same problem when i found out they had a account the min i transfer the money back i wait again go back to there site they got my account restricted again still no money now my money isnt on there site or in my bank my bank says they see absolutely no pending deposit at all an said if the company released the funds it would of came up as a pending deposit charge from them an nothing so now my money has just vanished i never gave em account info i used my debit which should always be instant im sitting on broke XXXX dollars an can't do anything cause of them i even filed a dispute with my bank incase they are fake and scammers so no matter what it comes back

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Resolution Team, I hope this letter finds you well. I am writing to formally dispute inaccurate information listed on my credit report and to notify you that these ongoing issues with erroneous data have not been resolved despite my previous efforts. Specifically incorrect account, a late payment notation that was never late, or an account that does not belong to me. 

I want to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian due to failures in accurately handling consumer disputes and ensuring the accuracy of credit report information. As stated in the CFPB 's lawsuit, Experian has been found to not have properly investigated disputes and often failed to remove or correct errors in consumer credit files. Unfortunately, my experience reflects these ongoing issues, as my disputes have not resulted in the proper correction of the inaccurate information on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a full and accurate investigation of the disputed items. I also expect that you promptly update or remove any inaccuracies found and provide me with the results of your investigation in writing. I have included all supporting documentation that substantiates my claim for your reference. 

Please consider this matter urgent, as inaccurate information is negatively impacting my credit score and, consequently, my financial well-being.

I look forward to receiving written confirmation of your investigation and the correction of my credit report. Please respond to me at the contact details listed above, and do not hesitate to reach out if you need additional information. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ( ssn ) XX/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 explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is my second complaint against Portfolio Recovery. My debt with them has been well over XXXX plus years which is old attempted debt to be collected. I have contacted the FTC with this same information and because I did so they have been illegally trying their best to keep this account open by doing so much damage to me. They have been harassing me for many years by text, calls, mail, and email. Because I filed a complaint last year with you all they took their information partial off XXXX XXXX but not in complete whole took it off and they decided to put a stop payment and drafted my husband 's account with XXXX which I have no access to and not owned by me. This is unauthorized, unprofessional and by law stealing bank information to take a credit debt payment of over XXXX from my husband account. This has been overall caused me amounts of distress and anxiety and I am filing a report again. They also keep updating their dates of account opening ever year and it is false and not the original date it was opened with them. If I can recall it was opened way before 2015.

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: IN

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 ) 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: 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information contained in my credit report, as provided by your agency. I have identified specific items that are inaccurate, outdated, and unverified, which are adversely affecting my creditworthiness. 
15 U.S.C. 1681i ( a ) ( 1 ) : You are required to conduct a reasonable reinvestigation of disputed information within 30 days 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If information is found to be inaccurate or can not be verified, it must be promptly deleted or modified, and you must refrain from reinserting such information unless the furnisher certifies its accuracy.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : You are obligated to provide me with a written notice of the results of your reinvestigation, including a description of the procedure used to determine the accuracy and completeness of the disputed information.

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: PA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information contained in my credit report, as provided by your agency. I have identified specific items that are inaccurate, outdated, and unverified, which are adversely affecting my creditworthiness. 
15 U.S.C. 1681i ( a ) ( 1 ) : You are required to conduct a reasonable reinvestigation of disputed information within 30 days 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If information is found to be inaccurate or can not be verified, it must be promptly deleted or modified, and you must refrain from reinserting such information unless the furnisher certifies its accuracy.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : You are obligated to provide me with a written notice of the results of your reinvestigation, including a description of the procedure used to determine the accuracy and completeness of the disputed information.

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: MA

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  actions may also contravene the Consumer Financial Protection Act ( CFRPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to complaint about the unexplained and abrupt closure of my JP Morgan Chase Bank after 7 years of being a customer. JP Morgan Chase Bank closed my account without any explanation and I believe this action is punitive and discriminatory. I am writing to appeal to the good office of the CFPB to please investigate this matter, especially in light of the accusations making rounds in the media of JP Morgan Bank closing accounts of customers due to their political affiliations. 

In my case, there was no reason for the account closure as the account has operated the same way it has been operating for over 7 years and there has been no issues. All attempts to request information from JP Morgan Chase Bank on the issue has proven null as they have refused to explain their reason for closing the account. I believe this is an attempt to de-bank a demographic for discriminatory reasons, as there is no explanation from JP Morgan Chase for the reason for their action. This action by JP Morgan Chase Bank will cause severe financial hardship to my person and others similarly affected by their action, as our bank accounts are our primary financial accounts and going about our financial lives without a bank account would prove very difficult. 

I am appealing to the justice of the office of the CFPB to please intervene in this case. It is also worrisome that there is a rising trend of unexplained bank account closure which others have associated with bias in the artificial intelligence algorithms of banks like JP Morgan Chase Bank XXXX XXXX, leading to unjustified closures of customers account. 

Thank you

Company response to consumer: Closed with explanation