vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Monday, XXXX XXXX XXXX To : Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Reporting on My Consumer Credit Report Dear, Experian, I, XXXX XXXX, a natural person, am formally submitting this dispute regarding the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly disputed these violations, yet my requests for a proper investigation have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable investigation violates my rights under federal law. 
One of the primary inaccuracies pertains to my account with XXXX. Specifically, this account does not accurately list my payment history, yet it has been reported as negative on my consumer file. Additionally, you have failed to provide me with verifiable proof of the alleged late payments in a timely fashion before reporting such derogatory information on my consumer report. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for failing to conduct legitimate investigations into consumer disputes, as detailed in their official report : CFPB Sues Experian for Sham Investigations of Credit Report Errors. This demonstrates a pattern of noncompliance and willful neglect by the credit reporting agencies in handling consumer disputes, reinforcing my demand for an immediate resolution. 
Your failure to investigate and correct these inaccuracies is in direct violation of 15 U.S.

Code 1681i ( Fair Credit Reporting Act ) and 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ). As per my rights under these federal statutes, I am formally demanding removal of this account. 
Failure to comply with my request within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to protect my rights. 
I expect a response to this formal complaint within 30 days as required by federal law. 
Please send all correspondence and documentation regarding this dispute to my contact information listed above. 

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 2025-03-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-17 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: VA

Complaint narrative:
XXXXXXXX XXXX HARD INQUIRY ON TRANSUNION REPORTING AGENCY ON XX/XX/scrub>XXXX NOT MINE I DIDNT RECOGNIZE

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 2025-03-17 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: LA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-17 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-03-17 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: MI

Complaint narrative:
This is my 2nd attempt to advise you of your consumer violations against me. Ive reviewed your response in connection with my prior dispute and your response reflects that you will continue to violate my consumer rights by reporting my balance and late payments to the 3 consumer report agencies. This excerpt is from the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681a ( d ) ( 2 ), which defines exclusions from the term " consumer report. '' Summary of the Exclusion : Specifically, under subsection ( A ) ( i ), a report that contains only information about transactions or experiences between the consumer and the person making the report is not considered a " consumer report. '' Im attempting to inform you of your violations, so youre able to make the corrections Im presenting to you. If you choose to continue your violations, then you are willingly and knowingly breaking the law to bear on my credit worthiness.

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 2025-03-17 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: MI

Complaint narrative:
This is my 2nd attempt to advise you of your consumer violations against me. Ive reviewed your response in connection with my prior dispute and your response reflects that you will continue to violate my consumer rights by reporting my balance and late payments to the 3 consumer report agencies. This excerpt is from the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681a ( d ) ( 2 ), which defines exclusions from the term " consumer report. '' Summary of the Exclusion : Specifically, under subsection ( A ) ( i ), a report that contains only information about transactions or experiences between the consumer and the person making the report is not considered a " consumer report. '' Im attempting to inform you of your violations, so youre able to make the corrections Im presenting to you. If you choose to continue your violations, then you are willingly and knowingly breaking the law to bear on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
I filed multiple disputes with Experian due to misinformation, incorrect address, incorrect name, and unknown charges on my credit report associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After disputing these entries, I received alerts that the charges would remain on my credit report. While they were willing to correct the address, they refused to address the charges and have yet to follow up on the investigation. My credit advisor has informed me that the CFPB has filed a lawsuit against Experian, alleging the company accepted unreliable information, failed to notify consumers of dispute results, and violated consumer rights. This situation directly reflects my experience. 

My credit on XXXX XXXX and XXXX is week above XXXX yet my Experian credit is in the low XXXX. 

I am requesting the immediate removal or correction of these derogatory marks, as they have negatively impacted my ability to finance a vehicle and have caused me to pay a higher deposit for my current apartment. Experians failure to address these issues violates my rights as a consumer and federal laws.

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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX Account name XXXX XXXX XXXX, has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: WV

Complaint narrative:
The collection company would not provide receipt after payment has been made. The representative explained that after the payment is made I should receive a receipt the next day. A payment was posted and I still did not receive a receipt. I called back and explained again I need a receipt then he states it will not be a receipt it will be a letter. I then explained I need it same day he stated he can not do that. I would have to go to XXXX XXXX or XXXX XXXX stating payment to receive a receipt from XXXX XXXX but not from National Credit Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Company Name XXXX XXXX XXXX - Account # : XXXX - Reporting Balance : {$0.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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 2025-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Eastern Account Systems of Connecticut , Inc is refusing to pay the required arbitration fees, violating the terms of the arbitration agreement with the original creditor. This refusal undermines the dispute resolution process outlined in the agreement and has caused unnecessary delays and emotional distress.The agreement explicitly requires that disputes be resolved through arbitration. Eastern Account Systems of Connecticut , Inc refusal to pay the arbitration fees has effectively blocked the process from moving forward, making it impossible to resolve the dispute as outlined in the contract. Eastern Account Systems of Connecticut , Inc actions have caused significant emotional distress, as I am unable to have the matter resolved through the arbitration process as agreed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MA

Complaint narrative:
I discovered some instances of late payments on an account for which I've always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. it is impetrative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX Account number - XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements, demonstrating the lateness of these payments. if unable to furnish such proof, i demand that these payments be promptly updated to reflect their true status as on time, as i have consistently upheld my payment obligations without delay

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 2025-03-17 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:
I requested that Transunion investigate a negative mark on my credit report. Transunion 's investigation into the matter was inadequate, and they are allowing a known scammer and rogue debt collector to damage my credit report. XXXX XXXX XXXX, XXXX should not be allowed to credit report, especially a disputed debt like the one on my credit report. XXXX XXXX XXXX, XXXX has had several civil penalties imposed by various state attorney generals, has been ordered to cease and desist collection activities in several states, and Transunion 's continued reporting of this disputed information on my credit report makes it complicit and subject to liability for knowingly and willfully allowing this type of entity, with this type of track record, report invalid information on my credit report. 

Based on the facts, XXXX XXXX XXXX track record of enforcement action taken against it, and there willingness to continually break the law, I hereby demand that Transunion block this information from my credit report, and/or fully delete this from my credit report.

I am attaching an order to cease and desist from the Idaho Department XXXX XXXX dated XX/XX/XXXX, a Consent order from the state of Connecticut dated XX/XX/XXXX that bans XXXX 's from collecting debts, and the Temporary restraining order from the state of Connecticut 's banking commissioner dated XX/XX/XXXX to evidence the multiple violations known by this company. This should evidence that we are dealing with a debt collector that operates at the absolute lowest level of compliance, and allowing them to continue to credit report after having knowledge, and evidence, of there wrongdoings will make Transunion liable damages in the event litigation is brought against the offending parties. 

Please let it be known that XXXX XXXX XXXX Is attempting to collect a debt on a disputed Brinks debt that was canceled appropriately per California State Law, that govern how renewing alarm contracts work. There is no valid debt.

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