vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX BALANCED {$12000.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX BALANCED {$8100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I Have a Home Depot Credit Card with the Sticker says active and ready to use and I am trying to activate or use the card but it seems as if it is Blocked internally

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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NV

Complaint narrative:
I supplied Discover with payment coupons to pay and clear the DEBTS that I owed. This company REFUSED to accept these payment coupons as PAYMENT and also REFUSED to RETURN them to me as I requested if they ( payment coupons ) was not accepted as payment. This action by this company have HARMED my credit report and score with ALL 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
Account Name : Department of Education/XXXX Account Number : XXXX Balance : {$2100.00} Inaccuracy : This account was inaccurately reported as late payments between XX/XX/XXXX - XX/XX/XXXX, which is incorrect. My records show that the account was placed in forbearance status during that period, and no payments were due. The reported delinquency is completely erroneous and in violation of the FCRAs accuracy requirements. 

Account Name : Department of EducationXXXX Account Number : XXXX Balance : {$1300.00} Inaccuracy : This account was inaccurately reported as late payments between XX/XX/XXXX - XX/XX/XXXX, which is incorrect. My records show that the account was placed in forbearance status during that period, and no payments were due. The reported delinquency is completely erroneous and in violation of the FCRAs accuracy requirements. 


The reported late payments on these accounts are inaccurate and unverifiable. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, the credit reporting agency is required to conduct a reasonable reinvestigation of disputed information. If the furnisher ( loan servicer ) is unable to provide 100 % verifiable proof that the reported late payments are accurate, then under 15 U.S.C. 1681e ( b ), the inaccurate information must be removed immediately as it violates the FCRAs requirement that all reported information be complete and accurate.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. Since I have already contacted the loan servicer and they have refused to correct this error, the burden now lies with the credit bureaus to ensure that this inaccurate reporting does not continue.

If a credit bureau can not verify the disputed late payments with documented proof, the law requires that the inaccurate information be deleted immediately. The failure to do so is a willful violation of the FCRA and could subject the bureau to legal consequences under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 to file a complaint against Equifax for falling to comply with the Fair Credit Reporting Act ( FCRA ) requirements, particularly 15 USC 1681e ( b ), 16815-2, 1581i ( 5 ), and 16B1c ( c ). Despite multiple written disputes regarding inaccuracies on my credit report, Equifax has refused to conduct proper investigations or correct the errors as mandated.

I sent dispute letters to Equifax regarding [ specific disputed accounts or information ]. I provided detailed evidence supporting my disputes, yet Equifax either failed to respond adequately or continued reporting incorrect information. This failure has caused harm to my credit score, impacting my ability to secure credit.

The recent CFPB enforcement action ( CFPB Orders Equifax to Pay {$15.00} Million for Improper Irvestigations of Credit Reporting Errors, [ insert date of action ] ) demonstrates a pattern of noncompliance by Equifax. My experience aligns with the improper practices highlighted in this Lawsuit, including a lack of diligence in investiting consumer disputes.

Equifax 's actions violate the following FCRA provisions : 15 USC 1681e ( b ) : Failure to ensure the accuracy of consumer reports.

15 USC 1681s-2 : Neglect of duty to prevent and correct inaccuracies.

15 USC 1681i ( 5 ) : Failure to delete inaccurate or unverifiable information.

15 USC 1681c ( c ) : Continued reporting of outdated information. 
I request immediate corrective action, includi 1. Full and proper reinvestigation of the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

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

US DEPT ED # XXXX XX/XX/year> -- {$500.00} TU UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX/XXXX/2024

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 2025-02-08 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: NC

Complaint narrative:
Im writing to notify you that a tradeline on my credit report is not being reported with maximum possible accuracy, which is a direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
second complaint. fraud said not fraud despite this person was brought up the XX/XX/XXXX XX/XX/XXXX pd and now claims incompetence. never asked of proof of that case

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 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
Synchrony bank tturn our account over to Javitch Block llc. to collect a debt on a credit card from lowes. Currently my husband is applying for XXXX for he has XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX so we were to pay. XXXX XXXX filed a lawsuit to collect the debt case XXXXXXXX XXXX XXXX  XXXX XXXX XXXX court in Ohio. We then called a number given to us to call XXXX XXXX. We reach an agreement to pay XXXX dollars by the XXXX of the month. We have the bank statements and confirmation numbers for this. XXXX day on statement shows the lastest payment was pulled on the XXXX. The agreement was sent to Javitch Block LLC on XX/XX/XXXX signed. Never received a response from Javitch Block, so we thought agreement was good. On XX/XX/XXXX we rthe courts asking for mediation and a XXXX XXXX We thought issue was solved. I have made several attempts to reach XXXX XXXX XXXX. Where i waited over XXXX minutes on hold and the system after asking for a voicemail hung up on XX/XX/XXXX i lrft a message and receive no call back. On XXXX XXXX XXXX call synchrony bank said all turned over to Javitch Block LLC and they claim they have no information on us. Please help.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 50 days. Furthermore, under 15 U.S.C. s 16811 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian :

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRIMERA FINANCIAL CORP.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  insurance deemed total loss on XX/XX/XXXX payout XXXX i would receive the remaining XXXX deposited on date XX/XX/XXXX on XX/XX/XXXX i made two payments for month XX/XX/XXXX and monthe XX/XX/XXXX on XX/XX/XXXX i made another car payment for XX/XX/XXXX. Amount payout on my acct as shown is XXXX which they received the amount of XXXX on XX/XX/XXXX. Since than they have calling and harassing me saying instill owe and they are still charging me interest daily

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

XX/XX/XXXX# XXXX XX/XX/year>2020 -- {$0.00} 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-02-08 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: NC

Complaint narrative:
I am receiving bills & debt that do not belong to me. My identity has been compromised.

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 2025-02-08 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: NC

Complaint narrative:
I am receiving bills & debt that do not belong to me. My identity has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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, Transunion 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

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 2025-02-08 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: IL

Complaint narrative:
Account Name : Department of Education/XXXX Account Number : XXXX Balance : {$2100.00} Inaccuracy : This account was inaccurately reported as late payments between XX/XX/XXXX - XX/XX/XXXX, which is incorrect. My records show that the account was placed in forbearance status during that period, and no payments were due. The reported delinquency is completely erroneous and in violation of the FCRAs accuracy requirements. 

Account Name : Department of EducationXXXX Account Number : XXXX Balance : {$1300.00} Inaccuracy : This account was inaccurately reported as late payments between XX/XX/XXXX - XX/XX/XXXX, which is incorrect. My records show that the account was placed in forbearance status during that period, and no payments were due. The reported delinquency is completely erroneous and in violation of the FCRAs accuracy requirements. 


The reported late payments on these accounts are inaccurate and unverifiable. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, the credit reporting agency is required to conduct a reasonable reinvestigation of disputed information. If the furnisher ( loan servicer ) is unable to provide 100 % verifiable proof that the reported late payments are accurate, then under 15 U.S.C. 1681e ( b ), the inaccurate information must be removed immediately as it violates the FCRAs requirement that all reported information be complete and accurate.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. Since I have already contacted the loan servicer and they have refused to correct this error, the burden now lies with the credit bureaus to ensure that this inaccurate reporting does not continue.

If a credit bureau can not verify the disputed late payments with documented proof, the law requires that the inaccurate information be deleted immediately. The failure to do so is a willful violation of the FCRA and could subject the bureau to legal consequences under 15 U.S.C. 1681n and 1681o.

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