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: 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: IL

Complaint narrative:
I am filing complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX 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 & gt ; S & gt ; C & gt ; 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No.

2025-CFPB-0002 ) against them for similar violations. I Request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Name of Account- 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please investigate the bankruptcy public record reporting on my credit profile. The record is reporting inaccurate and claiming to be verified, but only through third party agencies rather than the court. This information is false reporting and should be removed from my 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: 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:
Recently the Consumer Financial Protection Bureau filled a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports, I am deeply concerned that my dispute may be mishandled in a similar manner.

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: CA

Complaint narrative:
Recently the Consumer Financial Protection Bureau filled a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports, I am deeply concerned that my dispute may be mishandled in a similar manner.

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: IN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) 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 2025-01-31 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: GA

Complaint narrative:
I am writing regarding unresolved inaccuracies on my credit report and your failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). This letter services as my formal XXXX XXXX dispute the following accounts : XXXX XXXX acct # XXXX " this account is reporting inaccurate late payments despite no supporting documentation '' account remains unverifiable XXXX XXXX acct # XXXX " this account is reporting inaccurate late payments despite no supporting documentation '' account remains unverifiable. This account also is reporting on my credit report XXXX times. 

XXXX XXXX XXXX acct # XXXX " this account is reporting inaccurate late payments despite no supporting documentation '' account remains unverifiable Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX and Equifax for engaging in sham investigations of consumer disputes. The CFPB 's complaint highlights that XXXX improperly marked disputes as frivolous or conducted superficial investigations that fail to verify the accuracy of reported information. 
This practice violates the rights of consumers under the FCRA. As per the FCRA 611 ( 15 U.S.C 1681i ), XXXX is required to : XXXX. Conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX. Notify the furnisher oif the disputed information. 
XXXX. Delete or correct information that can not be verified within the required timeframe. 

Given the CFPB 's findings and your previous handling of my disputes, I am concerned that you have not fulfilled your statutory obligations. Let this letter serve as formal notice that I expect the following actions to be taken immediately : XXXXConduct a thorough and reasonable investigation into the disputed accounts listed above. 
XXXX. Delete or correct any unverifiable, inaccurate, or incomplete information. 
XXXX. Provide me with a detailed explanation of the investigation process and furnish supporting evidence to verify the information in question. 
XXXXSend me and updated copy of my credit report reflecting any changes.

Under FCRA 611 ( a ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file. Failure to comply with the FCRA will leave me with no choice but to escalate this matter further by filling a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. I trust that you will take immediate corrective action and provide a response within the 30 days required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: VA

Complaint narrative:
I have reported this to them and they keep denying me saying I need a list of signatures and documents showing an address which I dont have! My mother when I was still in high school went behind my back and fill out student loans in my name and information and I been already told her I dont want to go to college she knew and still went behind my back and file all that out and I dont even have access to no school login my mother has that! She has admitted to it and I let the loan people know and they asking for all this information that I dont have how would I have signatures for XXXX and I didnt even have a bank account to my name and never filled out paperwork to have a signature! even the police I talk to said they believe she did it and she admitted to it! This is 100 % identity theft and she had my social security number and birth certificate! My mother did the promise not ( XXXX  ) and lied all of it saying she live somewhere when she lived with me! She had a hidden po box I never had in XXXX Va that I never had access to but her! I have told the school about the fraud and she does fraud all and identity theft on other people like her own family and she did it to my wife! Im trying to get this loan off my credit because I NEVER WENT TO SCHOOL I DONT HAVE A LOGIN OF A SCHOOL I DONT HAVE NO CERTIFICATE I HAVE NO COLLEGE DEGREE AND NEVER FILLED OUT ON PIECE OF PAPERWORK ONLINE OR IN PERSON! this is ridiculous I have to come and tell yall that this student loans provider is not trying to take my identity theft serious I have fill out 20+ paper of the same story and they still not approving my loan to be discharge because of identity theft! I have gave them so much proof! she use a hidden email that isnt mine she used a phone number that wasnt mine and po box that wasnt mine and has admitted to doing it and withdrawing me from school that I never did or saw anything from that school or filled out any information!! This is ridiculous that this student loan people dont believe me at all when I said my mother XXXX XXXX XXXX IS THE ONE THAT FRUAD UNDER MY NAME! She even did my taxes for this school to get a refund I never have went to or filled out information or been any class or anything!! IM TELLING YALL that she is someone you need to catch because she has done this to everyone in her family!! Something need to be done because Im tired of filling out same paperwork and Im not paying student loans provider for XXXX that I never went to college or never filled out any paperwork for student loans and never wanted to go to college!! I just found out all this information in XX/XX/XXXX! This need to be looked at at serious because Im going to attach the information of proof!!! I need someone to take action because it will be terrible if I have to get a lawyer because I keep saying the same thing and showing the same proof over and over!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm 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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM FINAMCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Open XX/XX/year> that was part of identify theft and was removed from XXXX and XXXX, but not from XXXX. 15 USC 1618c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app was taking my money first time it was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When i contact support they gave me the run around and then told me that they cant do nothing cause it was my fault. So they made me close that account and opening a new one that i have now.. its been 2 years ago now. Also they told me it was fraud going on and my account got hit. They also gave my personal information out and unauthorized those transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Incorrect Account Type and Reporting Issues The account is listed as a " Loan, '' but XXXX is not a financial institution that issues loans. This misclassification misrepresents the nature of the account and violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Placed for Collection Without Proper Verification The remarks indicate that the account was " Placed for collection '' and " Disputed by consumer, '' yet no validation of debt has been provided. Reporting unverified collection accounts violates 15 U.S.C. 1692g.

Missing Payment Information and Status Discrepancies The account shows no reported payments but lists a balance of {$620.00}, implying missing or inaccurate payment history. This lack of reporting clarity impacts my creditworthiness unfairly.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
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 non-monetary relief
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Incorrect Account Type and Reporting Issues The account is listed as a " Loan, '' but XXXX is not a financial institution that issues loans. This misclassification misrepresents the nature of the account and violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Placed for Collection Without Proper Verification The remarks indicate that the account was " Placed for collection '' and " Disputed by consumer, '' yet no validation of debt has been provided. Reporting unverified collection accounts violates 15 U.S.C. 1692g.

Missing Payment Information and Status Discrepancies The account shows no reported payments but lists a balance of {$620.00}, implying missing or inaccurate payment history. This lack of reporting clarity impacts my creditworthiness unfairly.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: TX

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: MD

Complaint narrative:
A year or less ago cash app charged me money for something I did not buy I could not get my money back so I stopped putting money on my account

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$0.00} Account number : XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX With a balance of {$2100.00} Account number : XXXX XXXX XXXX  Opened XX/XX/XXXX With a balance of {$5.00} Account number : XXXX XXXX  XXXX Opened XX/XX/XXXX With a balance of {$0.00} Account number : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX With a balance of {$1200.00} Account number : XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$2000.00} ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX with a balance of {$920.00} ACCOUNT : XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} ACCOUNT : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$2000.00} ACCOUNT : XXXX There are two addresses that shouldn't not be reporting which are : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX All of the aforementioned accounts, addresses and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ) ( # XXXX ), as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.

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