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: AL

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 have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
i opened an account in Marcus bank online and deposited a cashier check given by XXXX XXXX XXXX in around XXXX after some time i tried to transfer whole amount ( XXXX ) to other bank of my relative but some how my account got closed by Marcus bank stating that they observe suspicious activity. i called Marcus bank and they requested my identity. i provided my XXXX identity and i am from XXXX but they refused to reopen my account. i told them that i can not provide my XXXX identity because i was no longer in XXXX as my XXXX XXXX XXXX XXXX and i moved back to My country ( XXXX ). 
Now my money is struck from 2 years. i request Marcus bank to issue me a check for my XXXX XXXX  or transfer the money to my relative who is in XXXX. 

Please help as i am in need of money. 

My Name : XXXX XXXX XXXX : XXXX Total Money : {$4400.00} Marcus Bank Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: OH

Complaint narrative:
Cash app not having a live rep on duty and some transactions I did money disappearing

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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX LITIGATION ( EQUIFAX ) CASE NUMBER : XXXX Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : YOU ARE NOW BEING SUED ( LITIGATION ) FOR DEFAMATION OF CHARACTER. YOU HAVE FORCED MY HAND FOR THE FINAL & LAST TIME. 
PLEASE HAVE YOUR LAWYER TO CONTACT ME IMMEDIATELY TO RESOLVE THIS MATTER TO AVOID GOING TO COURT AND PAYING. I AM WILLING TO SETTLE OUTSIDE OF COURT, PLEASE CONTACT ME IMMEDIATELY SO THAT WE CAN RESOLVE THIS MATTER WITHOUT PAYING ME THE ( {$5000.00} ) IN DAMAGES TO NOT ONLY MY GOOD NAME, BUT THIS HAS CAUSED A LOT OF PAIN MENTALLY AND FINANCIAL PAIN TO HELP NOT ONLY MYSELF BUT MY FAMILY. ALL I WANT ARE DELETIONS OF ALL OF THESE FRAUDULENT ITEMS ON MY CREDIT REPORT DUE TO NOT ONLY IDENTITY THEFT AND FRAUD BUT ALSO THE EQUIFAX DATA BREACH SITUATION!. ALSO EQUIFAX DELETED ( XXXX ) POSITIVE INSTALLMENT LOAN TRADELINES FROM XXXX XXXX XXXX XXXX WITHOUT MY KNOWLEDGE OFF MY CREDIT REPORT, AND I CAN'T EVEN LOG INTO MYEQUIFAX.COM. I CAN'T EVEN RETRIEVE MY FICO SCORE OR CREDIT REPORT BECAUSE OF MIXED CREDIT FILE ALL BECAUSE OF EQUIFAX!!. THIS IS OUTRAGEOUS! NOW YOU HAVE XXXX CHOICES, EITHER DELETE ALL THESE FRAUDULENT ITEMS ON MY CREDIT REPORT ( JUST DELETIONS ; OR DELETE & PAY {$5000.00}. ALL I REALLY WANT ARE DELETIONS & THATS IT!. BUT IF I'M GIVEN A HARD TIME & MORE OF MY TIME IS WASTED WITH JUST DELETIONS I WILL SEEK ALSO THE WHOLE {$5000.00} PLUS DELETIONS. THE CHOICE IS YOURS!. I DEMAND THESE FRAUDULENT ITEMS ARE REMOVED IMMEDIATELY! MY CONTACT IS LISTED BELOW. 


EMAIL : XXXX cell phone number : XXXX XXXX XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Equifax Dispute Department, I am writing to formally dispute the following inaccuracies on my credit report. The information provided is either outdated, incorrect, or unverifiable and is causing harm to my creditworthiness. 

Items in Dispute : XXXX. XXXX  XXXX bankruptcy : reference number XXXX, Court : XXXX XXXXXXXX XXXX  TX XXXX XXXX. XXXX XXXX XXXX : account number XXXX XXXX. XXXXXXXX XXXX XXXX : account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX. XXXX XXXX  : account number XXXX XXXX. XXXXXXXX XXXX XXXX : account number XXXX XXXX. XXXX XXXX : account number XXXX As per the Consumer Financial Protection Bureaus recent findings ( Case : CFPB Orders Equifax to Pay {$15.00} XXXX, XX/XX/year> ), it has been documented that Equifax has failed to conduct adequate investigations of consumer disputes and has allowed inaccuracies to persist in credit reports. This raises serious concerns about the integrity of the dispute process and compels me to insist on a thorough and fair investigation of my case. 

Specifically, I request the following : 1. Immediate removal of old, closed accounts that no longer meet reporting criteria under the Fair Credit Reporting Act ( FCRA ).

2. Removal of the bankruptcy notation as it has either exceeded its reporting limit or lacks proper verification.

I have enclosed copies of my credit report, a copy of the CFPBs ruling for reference, and additional supporting documentation to substantiate my dispute. Please note that under the FCRA, you are required to investigate my dispute within 30 days of receipt. If you are unable to verify the disputed information, you must delete it promptly. I look forward to your timely response and resolution of this matter. 

Sincerely, XXXX XXXX

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to assert my rights under the ServiceMembers Civil Relief Act ( SCRA ). This federal law provides significant protections for servicemembers, including those related to their credit reports. Specifically, the SCRA allows for the removal of certain negative information from credit reports when such information resulted from financial hardships experienced during XXXX XXXX XXXX. 

I request the removal of the following types of negative information from my credit report : Collections : Any accounts placed in collections during my period of XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX ( ORIGINAL XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Please remove the following Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove this item from Public records : XXXX XX/XX/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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally dispute multiple unauthorized hard inquiries on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to formally dispute multiple unauthorized hard inquiries on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not recognize or authorize : XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I disputed over XXXX charges totaling over {$20000.00} with XXXX on my American Express card. More than half of these disputes were denied due to the XXXX rule, despite my evidence showing misrepresentation, lack of fair gameplay, and incomplete financial records provided by the merchant. 

XXXX failed to prove fair gameplay or transparency in their practices. They only focused on withdrawals, omitting deposit amounts, which is misleading. I contacted the merchant directly, following their Terms of Service, but received no meaningful response. 

I request CFPB assistance to ensure American Express reevaluates these disputes and holds the merchant accountable for providing fair services as per consumer protection laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Inaccurate and Inconsistent Credit Reporting Dear XXXX XXXX XXXX, I am disputing inaccurate and inconsistent information reported on my credit file regarding Account # XXXX XXXX The reported charge-offs and delinquency statuses vary across XXXX, Experian, and XXXX, indicating reporting errors that are negatively impacting my credit. 

Additionally, the monthly charge-off status misrepresents the Date of First Delinquency ( DOFD ), creating confusion and prolonging the negative impact on my credit file by making the delinquency appear more recent than it actually is. This practice unfairly extends the damage to my credit profile, contrary to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c, which limits how long negative information can be reported.

Under 15 U.S.C. 1681i, I request : 1. Validation of the reported information across all three credit bureaus.

2. Correction or removal of any inaccuracies if validation is not possible.

3. Notification to credit bureaus of this dispute and necessary updates for accuracy and consistency.

Failure to correct these discrepancies may result in a CFPB complaint and legal action under the FCRA. Please respond within 30 days.

Attachments : Screenshot from all XXXX  bureaus highlighting inconsistencies 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: 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, LA, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 


Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute the following information on my credit report. I have reviewed my credit report and found inaccurate information that I would like to have corrected. Below are the details of the disputed item : - **Account Name : ** XXXX XXXX  - **Account Number : ** XXXX - **Disputed Information : ** Disputed Information : Account Name : XXXX XXXX  Account XXXX XXXX Information : This account appears on my credit report, but I did not open this account. I have never applied for or used any credit account with XXXX XXXX. Reason for Dispute : This account is fraudulent and was opened without my knowledge or consent. I am a victim of identity theft, and this account does not belong to me. 
- **Reason for Dispute : **I am disputing the XXXX account listed on my credit report because I did not open this account. I have never applied for or used any credit account with XXXX XXXX. This account was opened fraudulently without my knowledge or consent. I am a victim of identity theft, and this account does not belong to me. I request that this account be removed from my credit report immediately to reflect accurate information. 

I have enclosed copies of [ describe any enclosed documents, such as a copy of your credit report with the disputed item circled, payment records, or other supporting documentation ] to support my dispute. Please investigate this matter and correct the inaccurate information as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AL

Complaint narrative:
My cash app account I had for over 4 years using it for bill paying and also getting my alimony payments every week they gave me no notice or sent any correspondence warning me if this ..also my account was hacked into many many times and money stolen out my account and a lot of the stolen transactions were not returned to my account by cash app! They claim to be safe and not at risk for these type of incidents but they happen way to much! I I was never given a reason of why this happened they allow me to use another account restricted though I can revive deposits but cant use a card associated with the new account its very upsetting ..every representative gives the same answer they cant disclose information on why the first account was closed out!

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: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. XXXX XXXX has illegally reported a charge-off on my credit report twicefirst in XX/XX/XXXX and again in XX/XX/XXXX. A creditor can only charge off a debt once, and reporting multiple charge-offs for the same account is a clear violation of federal law. 

FCRA Violations Committed by XXXX XXXX : 1. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Credit furnishers must report accurate information. XXXX XXXX duplicate charge-off reporting is patently false and misleading. 
2. Violation of 15 U.S.C. 1681s-2 ( b ) : XXXX XXXX has failed to correct this inaccurate reporting, which has caused direct harm to my credit profile.

3. Violation of 15 U.S.C. 1681n & 1681o : This misreporting has negatively affected my creditworthiness, impacting my ability to secure credit, housing, and financial stability.

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: MI

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 or a complete and thorough investigation. This practice is in violation to the Fair Credit Reporting Act ( FCRA ), 15 U.S. C 1681i, which mandates a reasonable investigation of any disputes. Furthermore, Equifaxs actions may 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. XXXX ) 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 have marked as inaccurate 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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 Funds Transfer Act ( EFTA ) and Regulations 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app allowed a company to take my money then when I tried to dispute the transaction as fraudulent they denied my dispute they told me to contact them I did so but nothing was done in regards to this situation

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: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation