vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: Security Credit Services, LLC
State: TX

Complaint narrative:
There's a few accounts that aren't accurate and Im not getting my accurate credit score and I would for you to remove them asap! It's getting in the way of my young life. And I can't do things freely and sigh up for things!

It's not ok for you guys to disregard/ignore disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MS

Complaint narrative:
I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. EXPERIAN : [ XXXX XXXX XXXX XXXX ] THIS ACCOUNT WAS LISTED ON MY CONSUMER REPORT MULTIPLE TIMES. ONE LISTED FOR {$150.00} WAS REMOVED. THE OTHER LISTING SHOULD BE IMMEDIATELY REMOVED DUE TO REPORTING INCONSISTENT BALANCES ACROSS THE BUREAU. XXXX : [ XXXX XXXX XXXX ] XX/XX/year>. THERE ARE MULTIPLE LISTINGS FOR THIS ACCOUNT ON THE CONSUMER REPORT. THIS IS INJURIOUS TO MY CREDITWORTHINESS AND SHOULD BE DELETED IMMEDIATELY DUE TO INACCURATE AND INCONSISTENT BALANCES ACROSS THE BUREAU. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-01-30 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Call and waited for chat no response on the charges that were made XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Waited for cash app customer service no live agent was available to solve problem XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5.00} XXXX  And payment made throughout the year to certain users I dont recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Certified Credit Reporting, Inc.
State: IL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
Hello! I hope youre doing well. I have an existing XXXX  account. XXXX  doesnt have a secured card. I noticed on my credit report there is a XXXX account with a secured limit of {$6700.00} that is incorrect. I wanted this account deleted from Experian. Im a XXXX XXXX. I have always had prestine credit. I want to continue this. I just read an article where this organization sued Experian for negligence for not reporting information on the consumer reports correctly. I have never had a secured card with XXXX to put up a deposit of $ {$6.00}, XXXX. I need this account removed. I check my credit every month to make sure its accurate. This repository has posted a XXXX secured account on my report. XXXX  doesnt have secured account. I need this trade line removed from my Experian 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 2025-01-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting & Notice of Civil Liability under 15 U.S. Code 1681o Dear XXXX, XXXX, and TransUnion, I am writing to formally dispute inaccurate and misleading information contained in my credit reports issued by your agencies. As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), I demand an immediate investigation and correction of the following erroneous items : Disputed Account ( s ) : All Credit reports will be attached and copies of my documents.

According to the FCRA, you are legally obligated to conduct a thorough and timely investigation of any disputed information. If the disputed information can not be verified, it must be removed from my credit report immediately. Furthermore, failure to comply with these legal obligations constitutes negligent noncompliance, for which you may be held civilly liable under 15 U.S. Code 1681o. This statute provides that a consumer affected by negligent violations is entitled to recover actual damages, court costs, and attorneys fees.

To assist in your investigation, I have enclosed [ supporting documentation such as payment records, correspondence with creditors, identity theft reports, etc. ]. Please complete your investigation within the 30-day period mandated by the FCRA and provide me with written confirmation of your findings.

If you fail to comply with these obligations, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will consider pursuing legal action to recover damages for your negligent noncompliance. Please respond in writing to confirm that this matter has been resolved. You may contact me at the addre
ss or phone number provided above should you require any further information. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copies of supporting documents, 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 explanation
Consumer complaint received 2025-01-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting & Notice of Civil Liability under 15 U.S. Code 1681o Dear Experian, XXXX, and XXXX, I am writing to formally dispute inaccurate and misleading information contained in my credit reports issued by your agencies. As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), I demand an immediate investigation and correction of the following erroneous items : Disputed Account ( s ) : All Credit reports will be attached and copies of my documents.

According to the FCRA, you are legally obligated to conduct a thorough and timely investigation of any disputed information. If the disputed information can not be verified, it must be removed from my credit report immediately. Furthermore, failure to comply with these legal obligations constitutes negligent noncompliance, for which you may be held civilly liable under 15 U.S. Code 1681o. This statute provides that a consumer affected by negligent violations is entitled to recover actual damages, court costs, and attorneys fees.

To assist in your investigation, I have enclosed [ supporting documentation such as payment records, correspondence with creditors, identity theft reports, etc. ]. Please complete your investigation within the 30-day period mandated by the FCRA and provide me with written confirmation of your findings.

If you fail to comply with these obligations, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will consider pursuing legal action to recover damages for your negligent noncompliance.

Please respond in writing to confirm that this matter has been resolved. You may contact me at the address or phone number provided above should you require any further information. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copies of supporting documents, 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 explanation
Consumer complaint received 2025-01-30 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 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 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 2025-01-30 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the CFPB Consent Order ( 2025-CFPB-0002 ). My concerns include the improper reinsertion of a deleted account, discrepancies in reporting across credit bureaus, and Equifaxs failure to notify me or verify the accuracy of the reinserted information.

The account in question, XXXX ( partially identified as XXXX ), was deleted from my credit report on XX/XX/year>, and reinserted on XX/XX/year>, without proper notification or certification as required under FCRA 611 ( a ) ( 5 ) ( B ). Furthermore, Equifax falsely claimed the reinserted information was 100 % accurate despite significant discrepancies across XXXX, XXXX, and Equifax reports.

Violations and Supporting Evidence Improper Reinsertion Without Notification : FCRA 611 ( a ) ( 5 ) ( B ) requires that consumers be notified in writing within five business days of a reinsertion, including the name, address, and contact details of the furnisher. Equifax failed to notify me.

No certification from the furnisher was provided to confirm the accuracy and completeness of the reinserted information.

Discrepancies Across Credit Bureaus : Equifax : Reported the account as closed, with a balance owed of {$1100.00}, marked as Pays as Agreed. 
XXXX : Listed the account as active with no indication of closed status and different last verification dates. 
XXXX : Did not list the account at all.

Misrepresentation of Accuracy : Equifax claimed in its response to my dispute that the account was 100 % accurate. However, the discrepancies in reporting and lack of certification contradict this assertion.

Failure to Comply with the CFPB Consent Order : The CFPB Consent Order ( 2025-CFPB-0002 ) highlights Equifaxs systemic failures to implement procedures ensuring compliance with FCRA. This includes their inability to notify consumers of reinsertion or verify the accuracy of disputed information.

History of Disputes First Dispute : I disputed this reinsertion directly with Equifax. Despite my request, no documentation or verification was provided, and no notification of reinsertion was sent.

Second Dispute via CFPB : I escalated the matter by filing a complaint with the CFPB under Case Number : XXXX, submitted on XX/XX/year>. Equifax responded by claiming the account was verified without providing any evidence or compliance with FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-30 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$85.00} XXXX XXXX XXXX Balance : {$72000.00} DEPTEDXXXX XXXX Balance : {$4300.00} DEPTEDXXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$72000.00} XXXX XXXX XXXX Balance : {$72000.00}

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 non-monetary relief
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$85.00} XXXX XXXX XXXX Balance : {$72000.00} DEPTEDXXXX XXXXXXXX Balance : {$4300.00} DEPTEDXXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$72000.00} XXXX XXXX XXXX Balance : {$72000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief