vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: IN

Complaint narrative:
For a couple months now I've been trying to deal with XXXX on fixing the error on one of my accounts. I've proved with files and confirmation numbers that I paid XXXX, XXXX XXXX payments on time for XXXX XXXX XXXX. They still haven't fixed the error,

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 2025-01-23 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: IN

Complaint narrative:
For a couple months now I've been trying to deal with XXXX on fixing the error on one of my accounts. I've proved with files and confirmation numbers that I paid XXXX, XXXX XXXX payments on time for XXXX XXXX XXXX. They still haven't fixed the error,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Ok I had money come in from a lady the money was for my daughter she's XXXX at the time and after the money was taken out for my daughter the lady tells PayPal that I didn't send her cups which I knew nothing about it was a personal account not business and when she did that they refunded the money to her and put my account negitive and permentaly closed that account and future accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-23 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: TX

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-23 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:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate information in my credit report. I wanted reported accounts remove.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report specifically ( G O N E ( HR12 ) - ( BS-7 ) 999220XX ). Despite my multiple submissions, Experian consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian '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 Experian complies with federal law and provides consumers with the necessary proof of 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 2025-01-23 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: FL

Complaint narrative:
Im incredibly disappointed and frustrated by the ongoing errors in my report. These inaccuracies are tanking my score, creating unnecessary setbacks, and depriving me of better opportunities. Its infuriating to feel stuck because of information that doesnt belong there.

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 2025-01-23 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: DE

Complaint narrative:
Dear XXXX, According to The Law 15 U.S. Code 1681, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my credit report, I noticed that there is an error regarding this information, such as the Vehicle is PAID OFF and I've Received Title So It Should NO LONGER BE REFLECTED ON CREDIT REPORT. The specific account in question is XXXX associated with XXXX XXXXXXXX XXXX. A COPY WILL BE SENT WITH THIS REPORT AS PROOF. And it violates the Law 15 U.S.C. 1692g is a section of the Fair Debt Collection Practices Act ( FDCPA ) that requires debt collectors to stop collecting debts if a consumer disputes them. 

According to my records, the information being reported is incorrect, and I would like to request that you investigate 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 2025-01-23 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: DE

Complaint narrative:
Dear Sir/Madam, According to The Law 15 U.S. Code 1681, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my credit report, I noticed that there is an error regarding this information, such as the Vehicle is PAID OFF and I've Received Title So It Should NO LONGER BE REFLECTED ON CREDIT REPORT. The specific account in question is XXXX associated with XXXX XXXX XXXX. A COPY WILL BE SENT WITH THIS REPORT AS PROOF. And it violates the Law 15 U.S.C. 1692g is a section of the Fair Debt Collection Practices Act ( FDCPA ) that requires debt collectors to stop collecting debts if a consumer disputes them. 

According to my records, the information being reported is incorrect, and I would like to request that you investigate 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 explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Issue started on XX/XX/XXXX with a wire transfer to a XXXX ( fraud scammer 's account ) for {$25000.00}. Followed up with BOA on XX/XX/XXXX and found this was a scam. I reached out to TD bank customer service on XX/XX/XXXX around XXXX pm and the customer service rep saw the transaction in the cue and was not able to do anything. I went to BOA the morning of XX/XX/XXXX and spoke with the bank manager and informed to fill out paperwork for an investigation to start and to also go to the TD branch in person which was done immediately the same day. The manager at the TD branch saw the transaction in the cue and said I have to go through my bank in order to get the funds back. The process was done. BOA never followed up. I reached out to TD bank and was informed they contacted BOA on XXXX and again on XX/XX/XXXX. BOA never followed up to indicate this. I contacted the customer service on XX/XX/XXXX on phone number XXXX at XXXX and again on XX/XX/XXXX at XXXX. On both calls the agents were given my complaints and said my issues will be forwarded higher up. Again nothing was done. It was brushed under the rug since BOA knew they did not follow practices. 

Another issue was at the ATM on XX/XX/XXXX. I went to the BOA branch and informed the bank manager at the location what happened and was told there was nothing they could do and contact the number on the ATM machine. I called that number multiple times and told " sorry for your loss and there is nothing we can do ''. I researched and saw that electronic journal is a detailed record that records every transaction made on the machine including date, time, transaction and account sent to. The amount of the 2 transactions was {$11000.00}. Was told multiple times there was nothing that could be done that was a lie. After a complaint was filed they then did little research and could never get the information correct and later my issue was dropped and swept under the rug and no one was held accountable for both issues that occurred.

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 2025-01-23 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: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.

Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 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.These are the accounts that i marked as inaccurate XXXX XXXX, affirm XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: LA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXccount Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: FL

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, 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. These accounts & information I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I explained multiple times that the card was not in my possession. I sent documentation that I filed complaints. I received credit for everything except the 2 fraudulent charges {$890.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I respectfully request the elimination of these incorrect 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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 never authorized or initiated these accounts, and it is unjust for me to bear responsibility for them. I strongly request that you resolve this matter immediately.

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 2025-01-23 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:
I never authorized or initiated these accounts, and it is unjust for me to bear responsibility for them. I strongly request that you resolve this matter immediately.

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 2025-01-23 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: Lendmark Financial Services
State: AZ

Complaint narrative:
I HAVE CLOSED ACCOUNTS ON MY REPORT THAT I CAN NOT VERIFY AND NOBODY ELSE CAN EITHER. 

I'm here asking the CFPB to make these agencies perform properly, and to show me what they have. 
I need my original application with my wet signature and the beginning of the account ledger to show the debt My principal allegedly owes. 

If not please have this deleted immediately. and have all agencies reflect this change and to mail me a copy. 

account : Lendmark finacial services llc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was trying to get someone to help me file some legal papers, and I didn't know it was a scam. I thought he was getting my information to help me, but he sent himself the money from my account. When I found out, I contacted cash app, and they told me that I couldn't do anything accept request a refund. The refund was deined, and they told me that there was nothing that they could do, since using their app is no different from using cash ( obviously it is very different ). They know exactly which account it went to and they had every chance to return the money. They also told me to contact my bank ( XXXX XXXX ). I contacted my bank at the time as well, and they said the same thing, and that I should contact Cash app. Basically just both banks pointing fingers at each other. It was {$2000.00} on XX/XX/year>, and I have screenshots of the transaction and a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This involves Experian. 

This past XXXX I needed to " unfreeze '' my credit reports from the three agencies in order to get a cell phone number from XXXX. After they were unfrozen Experian lost all my credit information and reported that I could not get a credit score because I had no credit. 

On their site they have lost all of my existing banking information. I called my bank, XXXX and they are as confused as I am. I have called and emailed Experian multiple times and can not get resolution or even a person to speak with. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and my wife and I have moved to XXXX XXXX. I am trying to fix this problem from afar and this doesn't help. I was never able to get my XXXX account but the hospital I worked at has agreed to keep my phone active until I can get this straightened out. I have the same email as I mentioned. My cell number in XXXX is XXXX XXXX XXXX XXXX XXXX XXXX. My address in XXXX ( if you need it ) is XXXX XXXX XXXX, XXXX, XXXX, XXXX. On your form I listed my last XXXX address : XXXX XXXX XXXX, XXXX, XXXX XXXX where we have lived from XXXX  until this past 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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing this complaint on this collection that showed up on my credit, because I have disputed this issue with XXXX twice on XX/XX/year>, and on XX/XX/year>. I believe that is was not investigated properly, because I have no knowledge of this collection. I believe that it is continuing to report on my credit unfairly according to 15 USC 1692 G, and 15 USC 168 ( i ) ( 1 ) ( a ).

Company response to consumer: Closed with explanation