vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputesearch 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 the account is accurate, without providing any evidence of a thorough lovestigations.earch 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. 
Of the following collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported XX/XX/2022 XXXX XXXX XXXX XXXX of 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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On the afternoon of XX/XX/XXXX, I received text messages notifying me of declined charges on my debit card. Shortly after, I received a call from someone claiming to be from my bank, informing me that they were locking my card. The caller read my card number and PIN to me, then asked me to verify them. Afterward, they claimed to have locked the card and said they would activate my fraud notifications again. They proceeded to send more messages to my phone, with instructions to first decline the verification and then accept the second one. 

After the call, I became suspicious and thought I might have been scammed. While I was on hold with my bank 's fraud department, someone began withdrawing funds from my checking account and attempted to transfer money from my secondary checking account as well. The transactions were listed as being made in XXXX XXXX, XXXX, while I was in XXXX XXXX, XXXX. 

I filed a claim with my bank for a total of {$1800.00}. However, my claim was recently denied, with the bank stating that either I made the transactions or I gave someone permission to withdraw the funds.

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 monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am writing to formally dispute and request the immediate blocking and deletion of fraudulent accounts that have been reported under my name due to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B and 15 USC 1681c-2 ( a ), I am entitled to have these fraudulent accounts removed from my credit report.

The following accounts were opened without my authorization due to a data breach : XXXX XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$780.00} XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$960.00} XXXX XXXX  XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$3900.00} XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$300.00} XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$0.00}

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 2025-02-04 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:
I received a copy of my credit report. To m surprise, you are reporting this account Credence resource Management incorrectly. This a collection account is reporting that account incorrectly. This collection account is reporting not only is open but also is past due of {$1500.00} according to the FCRA I have the right to have an accurate credit report, please provide me with a copy of my new credit report reflecting this account removed upon completion.

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 2025-02-04 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: NJ

Complaint narrative:
I have discovered a fraudulent inquiry on my credit report that was never authorized by me. This is an outright mistake.

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 2025-02-04 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: AL

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. 

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 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
XX/XX/year> - Current {$1000.00} I am receiving a negative impact to my credit report with XXXX. Southwest Credit System is reporting I have an account with them that is reporting delinquently since XX/XX/year> in the amount of {$1000.00}. I have reported this account to CFPB on several occasions in which it was removed then magically it reappears on XXXX under a different collection agency. I keep receiving harassing calls about a debt that I never owned. I have repeatedly asked for proof, such as a contract, signatures etc. to no avail nothing has ever been received. This false reporting is tarnishing my credit and all of the hard work I have put into paying my debts in a timely fashion to secure a successful credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I want to use my funds in my account to pay bills its been two weeks my account restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-02-04 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:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-02-04 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was only approved for a loan about a year and half ago with Capital one at a rate of 18 %. I have tried to refinance to a lower rate and am unable to get approved through other lenders. My credit is improving. I have had to defer a monthly payment because Capital one doesnt refinance. I dont think I should be paying a car loan at that percentage rate. I cant afford it but dont want my car repossessed. I have asked Capital one many times to help with a solution but they havent offered anything. I am paying XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: OK

Complaint narrative:
I disputed inacurate information on my credit report and they will not investigate it. They respond in less then 24 hours saying verified. How is it verified? They will not tell me or send me proof of verification

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
i am filling a complaint against cash app ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Commercial Acceptance Company
State: PA

Complaint narrative:
I received a copy of my credit report. To my surprise, you are reporting Commercial Acceptance Company incorrectly. This collection account is reporting this account incorrectly. The collection account is reporting not only is open, but all also shows a past due balance of {$3300.00}. According to the FCRA, I have the right to have an accurate credit report please provide me a copy of my new credit report reflecting this amount removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MS

Complaint narrative:
Violation of : Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) TRANS UNION HAS REINSERTED AN ACCOUNT ON MY TU FILE THAT WAS DELETED DuE TO IDENTITY THEFT AND NO PROOF OF WET SIGNATURE APPLICATION OR PHOTO ID BECAUSE XXXXXXXX XXXX XXXXXXXX CLAIMS IT WAS DONE ONLINE AND NO VALID PROOF IF THIS IS NOT REMOVED AGAIN I WILL GET A LAWYER TO HELP ME WITH THIS MATTER. 
FRAUD ACCOUNTS BELOW : Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Balance : {$1600.00} : Opened : XXXX XXXX, XXXX Account Name : : XXXXXXXX XXXX XXXX  : Balance : {$270.00} : Opened : 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 2025-02-04 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: OH

Complaint narrative:
Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. Under the provisions of 15 U.S.C. 1681o of the Fair Credit Reporting Act, I am requesting that you investigate this matter, as I believe this information is inaccurate or incomplete. 

The item ( XXXX ) in question are : Account Name : XXXX XXXX XXXX {$2000.00} XXXX XXXX  {$2000.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} In accordance with the Fair Credit Reporting Act, I request that you : 1. Investigate this dispute within 30 days, as required by law.

2. Provide me with the results of your investigation.

3. Correct or remove the inaccurate information from my credit report, if applicable.

Please provide me with written confirmation of the resolution of this dispute once your investigation is complete. If you need further information or documentation from me to assist in the investigation, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response in accordance with my rights under 15 U.S.C. 1681o. 

Sincerely, 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 2025-02-04 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: CA

Complaint narrative:
I am writing to you as a victim of a data breach. I am requesting the immediate blocking and deletion of the accounts listed below from my credit reports pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as these accounts are the result of identity theft and are not legitimately mine. I have not authorized these accounts.

I am aware of my rights under the FCRA and understand that you are required to investigate and correct inaccurate information. I am also aware of the lawsuits currently being filed against the credit bureaus regarding data breaches and the mishandling of consumer data, and I am considering all available legal options to protect my rights and information. 
The following accounts and associated information must be blocked and deleted from my credit reports immediately : XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00}

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 2025-02-04 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-02-04 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:
Dear reader, The FTC has alerted me on this day that it has been 5 days since the initial receipt of our Identity theft submission. I have followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the Equifax data breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely.

This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report. 

I am submitting this document for the expungement of the information disclosed below.

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 2025-02-04 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:
Dear reader, The FTC has alerted me on this day that it has been 5 days since the initial receipt of our Identity theft submission. I have followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the Equifax data breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely.

This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report. 

I am submitting this document for the expungement of the information disclosed below.

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