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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against XXXX failing to properly investigate my disputes regarding inaccuracies in and on my credit report. Despite my submissions, Equifax 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.S.C. 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 ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB takes action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello and good day, I made a transfer of {$760.00} on XXXX, XXXX2025 from my joint savings account ( ending in XXXX ) with CapitalOne to my XXXX XXXX XXXX checking account. I own both accounts. The money never arrived in my XXXX XXXX XXXX account, so I called CapitalOne to figure out what had happened. Their customer service said there was a big mistake on their end, and helped me file a claim. However, no refund has been issued, no update or whatsoever. 

Thank you for your help! 

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 — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: NJ

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 has caused significant inconvenience and financial loss, and I see 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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My information was in a data breach and theres a lot of information on my report that is identity theft. Ive been in touch with the company and explained my situation and still no resolution. There are a lot of negative information on my report that needs to be deleted due to erroneous reporting. Please advise as to what I need to do to get the consumer reports corrected to get my report corrected.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My information was in a data breach and theres a lot of information on my report that is identity theft. Ive been in touch with the company and explained my situation and still no resolution. There are a lot of negative information on my report that needs to be deleted due to erroneous reporting. Please advise as to what I need to do to get the consumer reports corrected to get my report corrected.

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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
FCRA  611a5A If disputed info cannot be verified, it must be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXbureaus must ensure accurate reporting.

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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
FCRA  611a5A If disputed info cannot be verified, it must be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXbureaus must ensure accurate reporting.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There is inaccurate information. There are no documents showing my correct social security number. My name, surname and place of residence to register are not correct.

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 status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There is inaccurate information. There are no documents showing my correct social security number. My name, surname and place of residence to register are not correct.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Recently Received A Copy Of My Credit Report And Noticed Several Inaccurate and Unauthorized Accounts/ Information Reporting To My Credit Report. These Remarks Have Been Detrimental To My Life And Credit Health.

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 — Information belongs to someone else
Company: SYNCHRONY FINANCIAL

Complaint narrative:
I called Walmart Mastercard helpline number and asked for information regarding account showing up on my credit report. I never applied for a credit card from Walmart and it shows the address from XXXX where I never visited. 
Balance showing is {$1300.00} and credit limit was {$1000.00} only. 
Account ending XXXX. 
I consulted the helpline and they weren't able to find my account. Since, I have only few last digits showing up on my report, thats the best I can tell them. I told them my address and other address showing up on my file from XXXX. The helpline still cant identify the issue and now the account went delinquent hitting my score from XXXX to XXXX. I cant apply for any loans for car or mortgages. 
I also filed dispute thru transition couple times. Last I remember was XX/XX/year>.

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2025-01-30 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: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I am rewriting to address multiple unresolved issues with the information on my credit report in PORTFOLIO RECOV ASSOC, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. 
However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. 
My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), PORTFOLIO RECOV ASSOC is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, PORTFOLIO RECOV ASSOC is obligated to investigate disputes within 30 days, but I have not received any update or resolution. 
This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect PORTFOLIO RECOV ASSOC to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.

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 — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
Deposited money from my debit card into cash app account and XXXX days later it was gone and my balance was XXXX they said there was a delivery fee i had to pay and this fee was never mentioned prior plus the fee was larger than the initial deposit o was told to make subsequent contacts yeilded nothing from cash app

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Equifax via USPS certified mail ( tracking number XXXX ), requesting an investigation into inaccuracies on my credit report. Additionally, I disputed incorrect personal information listed in my credit file. To facilitate verification of my identity, I included supporting documents, including a copy of my photo ID, Social Security card, and a recent bill showing my current address. 
USPS tracking confirms that Equifax received the letter on XX/XX/year>. Despite my valid and detailed request, I have not received any investigation results. It has now been over 30 days since my submission, and Equifax has failed to provide any communication or resolution. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of information in their file. Equifaxs lack of action and failure to respond to my dispute appear to violate this legal obligation and infringe on my consumer rights. 
As evidence, I am including a copy of my original dispute letter and USPS certified mail proof of delivery to support my claim.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year> for XXXX $ I have made multiple attempts to resolve a dispute regarding my account, but despite my efforts, I have not received any assistance. I have reached out via phone, email, and formal disputes, yet the issue remains unresolved. Due to the lack of response, I was left with no choice but to file a police report and dispute the matter through the proper channels. However, this disputed account is still being reported on my credit file. 

I am requesting immediate action to remove this incorrect reporting from my account. Please provide a prompt resolution and confirm that the matter has been addressed. If further documentation is needed, kindly inform me as soon as possible. 

I appreciate your urgent attention to this matter and look forward to your prompt response. 

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 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I REVIEWED MY CREDIT REPORTS AND NOTICED A XXXX XXXX XXXX XXXX ON MY REPORTS

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I REVIEWED MY CREDIT REPORTS AND NOTICED A XXXX XXXX XXXX XXXX ON MY REPORTS

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I identified fraudulent accounts that I did not authorize. These accounts are severely damaging my creditworthiness, and hurting my ability to obtain credit, and I demand their immediate removal. Thee is also another item in inquires section that I want it to be removed : 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 2025-01-30 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:
I am contacting you regarding a tradeline listed on my credit report that is not being reported with maximum possible accuracy. This is a direct violation of the reporting standards, and I am requesting that you delete this tradeline from my credit report 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