vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
EXPERIAN On XX/XX/XXXX I sent a letter to Experian stating that I was a victim in an elaborate XXXX XXXX  scheme. I also listed the accounts and addresses associated with that experience. They did nothing at all as if I never sent the letters at all. Please follow the laws and delete the information below. Thanks in advance. 



XX/XX/XXXX RE : XXXX  Block Request Account # XXXX Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX ACCOUNT XXXX XXXX DATE OPENED- XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XX/XX/XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX DATE XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX DATE OPENED-XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ACCOUNT XXXX DATE XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX  ACCOUNT XXXX DATE OPENED-XXXX  XXXX XXXX INQUIRES- XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX ACCOUNT XXXX DATE OPENED-APR XXXX, XXXX XXXX XXXX. XXXX XXXX ACCOUNT XXXX DATE OPENED-MAY XXXX, XXXX XXXX BLOCK/DELETE THESE ADDRESSES USED DURIMG MY XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken upon this letter. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Enclosures : Proof of identity- License, SS card 1- Trafficking documentation 2. Self-attestation paperwork

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 2025-01-24 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: NC

Complaint narrative:
EXPERIAN On XXXXXX/XX/XXXX I sent a letter to Experian stating that I was a victim in an elaborate XXXX XXXX  scheme. I also listed the accounts and addresses associated with that experience. They did nothing at all as if I never sent the letters at all. Please follow the laws and delete the information below. Thanks in advance. 



XX/XX/XXXX RE : XXXX  Block Request Account # XXXX Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX ACCOUNT XXXX XXXX DATE OPENED- XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE XXXX XXXX XXXX XXXX XXXX. XXXX XXXX AND XXXX  ACCOUNT XXXX DATE OPENED-SEP XXXX, XXXX XXXX XXXX. XXXX XXXX ACCOUNT NUMBERXXXX DATE XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX  ACCOUNT XXXX DATE OPENED-XXXX  XXXX XXXX INQUIRES- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 BLOCK/DELETE THESE ADDRESSES USED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Please XXXX this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken upon this letter. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, NC, XXXX Enclosures : Proof of identity- License, SS XXXX XXXX XXXX  documentation XXXX. Self-attestation paperwork

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 2025-01-24 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: GA

Complaint narrative:
I am disputing items on my credit report that were not properly investigated as required under the Fair Credit Reporting Act ( FCRA ). I submitted a formal dispute to Experian regarding inaccuracies in the following accounts 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 

The disputed items include incorrect balances, accounts that dont belong to me, I provided Experian with all necessary supporting documents, but the investigation results did not adequately address my concerns. No evidence or explanation was provided by the companies involved to verify the accuracy of the information. 

As this impacts my creditworthiness,

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 2025-01-24 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: VA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts I have marked inaccurate 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 non-monetary relief
Consumer complaint received 2025-01-24 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: VA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts I have marked inaccurate 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX student loan accounts opened with the U.S. Department of Education on XX/XX/XXXX ; a collection account opened with XXXX XXXX XXXX on XX/XX/XXXX ; a loan account opened with XXXX XXXX XXXX on XX/XX/XXXX ; a charge-off loan account opened with XXXX on XX/XX/XXXX ; and a hard inquiry from XXXX XXXX on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or the hard inquiry as reported. These accounts, collections, and the hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and the hard inquiry 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
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a dispute for the XXXX account but do not believe that Experian did a proper review

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 2025-01-24 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
these are the accounts that I've marked inaccurate : XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number 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 2025-01-24 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:
these are the accounts that I've marked inaccurate : XXXX XXXXXXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX Account number 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 2025-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: HI

Complaint narrative:
I wanted to get into the XXXX XXXX XXXXXXXX coin after XXXX XXXX released and tweeted about it on XXXX, so I went to buy some XXXX through Robinhood on XX/XX/year>, and swapped it to XXXX  XXXX. After selling and swapping it back to XXXX, I sent it back to Robinhood to sell for US dollars on XX/XX/year>, because I wanted to transfer it back to my bank account. When I tried to transfer it back to my bank account, it didn't go through and Robinhood decided to restrict my account for " account security ''. There's a bar at the top of the bank account app that says " They'll notify me of the status of my account by XX/XX/XXXX '', but when XX/XX/XXXX comes, it automatically switches to XX/XX/XXXX. I'm worried it will be an endless wait such as the other people that had this issue on XXXX and XXXX. I need this money by the XXXX or I won't be able to pay my credit card bills. I have already had an automatic payment go through on one of the credit cards because it was due on the XXXX and I was thinking that I would have the money by the XXXX, but nothing has been resolved. My Robinhood account was in great standing before all this, so I wasn't sure what the issue was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: SC

Complaint narrative:
I am writing to formally dispute the debt amount of {$720.00} that your company did not efficiently investigate, after three separate attempts, and determined I owe. After reviewing my payment records, I have identified discrepancies indicating that this amount is incorrect, as my payments have not been accurately accounted for. The payments I made are as follows : Payment Date : XX/XX/year> Amount Paid : {$120.00} Method of Payment : Cashiers Check Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained as a result of the failure. I believe that your companys actions may constitute negligent noncompliance under the FCRA. Therefore, I request the following : XXXX. Detailed Accounting : A comprehensive breakdown of the alleged debt, including how the amount was calculated. XXXX. Supporting Documentation : Copies of any documents that substantiate the claim that I owe this debt amount. XXXX. Correction of Information : Immediate rectification of any inaccurate information reported to credit bureaus regarding this disputed debt. XXXX. Cessation of Collection Activities : Suspension of any collection activities related to this disputed amount until the matter is resolved. Please provide a written response to this dispute within 30 days of receiving this letter. If your investigation confirms that the debt is incorrect, I expect written confirmation of the corrected balance. If you find that the debt is valid, please provide a detailed explanation and supporting documentation. Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. If you have any questions or require further documentation, please contact me directly at XXXX. 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, this account was opened fraudulently XXXX, XXXX and Ive sent in a police report, ftc report and now a cfpb complaint. 

They wont show any proof, but continue to report to the credit bureau XXXX, this has severely damaged my credit and the ability to apply for credit. 

They are purposely updating this account and forcing it to be my account. 

Account XXXX - XXXX {$4600.00} XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX This is against the law!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, this account was opened fraudulently XXXX, 2021 and Ive sent in a police report, ftc report and now a cfpb complaint. 

They wont show any proof, but continue to report to the credit bureau XXXX, this has severely damaged my credit and the ability to apply for credit. 

They are purposely updating this account and forcing it to be my account. 

Account XXXX - XXXX {$4600.00} XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX This is against the law!!!

Company response to consumer: Closed with explanation