vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.

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 2025-02-12 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 request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with USC 1681g, I ask that they be removed within 15 days. Relevant documents are attached for your review.

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 2025-02-12 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: FL

Complaint narrative:
A careful review of my credit record revealed unverified late payment entries that remain unaddressed despite multiple communication attempts. Over 30 days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these undocumented late payments raises significant concerns about their accuracy and potential impact on my credit standing.

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 2025-02-12 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:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Social Security Number ( Last 4 Digits ) : XXXX Case Reference : Police Report # XXXX, FTC Identity Theft Report Subject : Request to Block Fraudulent Information Due to Identity Theft Summary of Complaint I am filing this complaint against [ Credit Bureau ( s ) and Collection Agency Name ] for failing to remove fraudulent information from my credit report, despite my identity theft claims, supporting documentation, and multiple requests for resolution. 

Issues Reported : Fraudulent Hard Inquiries & Accounts My credit report contains unauthorized inquiries and fraudulent accounts that I did not open. 
Failure to Update Personal Information The credit bureaus have refused to update my personal details despite clear requests and proof. 
Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to block fraudulent accounts once a valid identity theft report is provided.

Failure to Provide Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The bureaus have refused to verify the legitimacy of disputed accounts.

Failure to Protect My Data ( 15 U.S.C. 1681b ( g ) ) I was affected by the XXXX & XXXX data breach, leading to my personal information being compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality un

der 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information 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 2025-02-12 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: TN

Complaint narrative:
I believe that my personal and financial information was compromised without my authorization and that this breach has been a clear violation of the Family Educational Right and Privacy Act ( FERPA ) and it is their responsibility to safeguard my information. Also, given the severity of this breach and the resulting compromise of my personal and financial information, I request the immediate cancellation and discharge of my student loan debt in full. Code 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX 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 2025-02-12 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: FL

Complaint narrative:
I was shocked and frustrated to find an unauthorized inquiry on my credit report today, and I have no clue how it got there. I check my report regularly, and everything was fine until now. I refreshed my browser multiple times, thinking it might be a temporary issue, but the inquiry did not disappear. I demand an immediate resolution to this issue. I urge you to carefully review the documents Ive submitted so I never have to deal with this stress again.

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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Branch Messenger, Inc.
State: CA

Complaint narrative:
Unrecognized transaction, the institution reviewed the transaction and ruled in my favor, the transaction did not reflect the name of the establishment, even so the banking institution has not returned my money, the amount is XXXX XXXX The institution said that it would return my money no later than XX/XX/XXXX, but it is today and the money has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent a request to update my personal information removing old names and addresses that no longer belong to me. They no longer apply as they are not me and I don't live at all these places nor have all the numbers listed. 

It is my right to have on my report what I have authorized, and I want that information removed. I put in the request to Experian to remove it and I was told the names and addresses and old phone numbers do not affect my credit score. And my request was totally ignored. 

I don't care that it doesn't affect my score I ask for them to remove it and they failed to honor my request.

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 2025-02-12 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:
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 2025-02-12 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: NV

Complaint narrative:
As requested Valid Identity Theft Reports are now uploaded which were submitted electronically and recorded with the Federal Trade Commission and contain a Valid Police Report Number. 

The accounts listed in these Federal Trade Commission Identity Theft police reports are unauthorized accounts created from unauthorized charges compiled from unauthorized use of goods and unauthorized Merchant services.

The investigation for the verification and validity of these accounts has been well over the 30 day threshold as the initial submission for that request commenced on XX/XX/year>. Until now, and still, The accounts have not been properly verified according to regulatory Standards and specified requests made by the individual. 

This furthermore has caused the furnishing of inaccurately reported credit information to the consumer reporting agencies on the consumers ' reports and the individual 's credit profile. 


603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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 writing to formally request the removal of a fraudulent inquiry that appears on my credit report. I recently reviewed my credit report and noticed an fraudulent inquiry. 

Inquiry name and date is Inquiry to remove XXXX XXXX XX/XX/year> 2023

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 2025-02-12 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 was shocked to see an unauthorized inquiry on my credit report this morning, and I have absolutely no explanation for it. I check my report frequently, and this was a complete surprise. I even refreshed my browser multiple times, hoping it was a glitch, but the inquiry didnt disappear. This is infuriating, and I need this issue fixed at once. I demand that my submitted documents be reviewed thoroughly so I never have to experience this kind of unnecessary worry again.

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 2025-02-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
I received a {$200.00} XXXX gift card as a XXXX present. The card was purchased on XX/XX/XXXX. The first time I attempted to use it at a gas station, the transaction was declined. Assuming it was a temporary issue, I did not try using the card again until XX/XX/XXXX, when I attempted to pay at XXXX. However, my transaction was declined due to insufficient funds. 

When I checked the cards balance online, I discovered multiple unauthorized transactions that I did not make or approve, including charges from XXXX  and XXXX *eFootball, which depleted the cards balance. 

I immediately attempted to dispute the charges by contacting the issuers customer service. However, their automated system requires a ZIP code to proceed, and it would not accept my home ZIP code, the ZIP code where the card was purchased, or the ZIP code of the person who gifted me the card. This prevented me from speaking to a representative, effectively blocking me from disputing the charges. 

Due to this issue, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. In response, Blackhawk Network acknowledged that I was within the 60-day dispute window and provided contact details for their dispute team. I immediately followed up, submitted all requested documentation, and attempted to escalate the dispute. 

The last time I heard from them was on XX/XX/XXXX, requesting that I send the card number. I've followed up with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Blackhawk Network has not responded or provided any updates on the status of my claim. 

I am requesting immediate action from the company to : 1- Process my dispute claim and initiate an investigation into the fraudulent charges.

2- Provide a refund for the unauthorized transactions if they are found to be fraudulent.

30 Ensure consumers have access to a working customer service system that does not prevent them from disputing unauthorized charges. 

Blackhawk Networks lack of response has been unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I contacted Citizens Bank in XXXX, NY on XX/XX/year>. They enticed me to transfer {$140000.00} into their bank from XXXX XXXX  in XXXX, NY XXXX. I spoke with XXXX who sent me a link to open a CD and a Checking account. I opened both accounts on XX/XX/year> and transferred {$140000.00} into the XXXX and {$15.00} into the checking account. I tried to access my accounts online on XX/XX/year> and was denied access. I contacted the bank and was told my accounts had been closed and they refused to tell me why. They told me the money was returned to XXXX XXXX. XXXX XXXX  has not yet received the money and Citizens Bank refuses to tell me where the money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
This complaint is for Aldous and Associates P.L.L.C. ( a debt collector ). This is a retaliatory response to the agency regarding their response to my refusal to pay request via CFPB complaint number XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. The issue is that the company is not honoring the refusal to pay per their words as perceiving the request to stop all communication and collection activity and " refusal to pay '' as a " formal dispute ''. My request is not being honored by this collection agency which triggers clear violations under the Fair Debt Collection Practices Act section 1692c ( c ). Not only does their insistence to do their own thing break the rules under the strict liability of the FDCPA, but this matter has caused me mental anguish for the blatant disregard of my request despite knowing their responsibilities. There disregard is now viewed as 'willful noncompliance '.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I XXXX XXXX XXXX been get notified about a loan I have never applied for I had contact the company and they say I have to call the credit bureau to report fraud been made for a {$1200.00} loan XXXX XXXX XXXX XXXX XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief