vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-01 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 have no liability to XXXX XXXX XXXX for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX brought the debt from XXXX XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XXXX XXXX to provide me the direct contract between them and XXXX XXXX XXXX showing that they are authorized to collect for XXXX XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX XXXX XXXX, Transunion, XXXX XXXX XXXX  reporting this to my credit report.

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 2025-02-01 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 no liability to XXXX XXXX XXXX for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX brought the debt from XXXX XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XXXX XXXX to provide me the direct contract between them and XXXX XXXX XXXX showing that they are authorized to collect for XXXX XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX XXXX XXXX XXXX XXXX and Experian reporting this to my credit report.

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 2025-02-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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 no liability to XXXX XXXX XXXX for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX brought the debt from XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XXXXXXXX XXXX to provide me the direct contract between them and XXXX showing that they are authorized to collect for XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX XXXX XXXX XXXX XXXX and Experian reporting this to my credit report.

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 2025-02-01 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 have no liability to XXXX XXXX XXXX for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX brought the debt from XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XXXXXXXX XXXX to provide me the direct contract between them and XXXX showing that they are authorized to collect for XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX XXXX XXXX, Transunion, XXXX XXXX XXXX reporting this to my credit report.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
Back in 2020 I was receiving my unemplyment on cashapp when my cashapp was hacked and they said there was nothing they could do about it for like XXXX weeks in a row I dealt with this. Cashapp said there was nothing they could do about it. Because of this i ended up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. my username at the time was XXXX or XXXX I know the phone number I had at the time was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX 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 2025-02-01 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: IL

Complaint narrative:
I am submitting a complaint againsi Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Experian has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

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 2025-02-01 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: Crown Asset Management, LLC, Duluth, GA Branch
State: NJ

Complaint narrative:
A debt collector is sending threatening letters to me. XXXX XXXX and suffer from XXXX I work all day the have to be threatened with gaslighting letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment/s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time : It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection lawe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment/s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time : It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection lawe

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: WI

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 2025-02-01 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This is about my Chase Sapphire Reserve card. A couple months ago, I noticed a few fraud transactions in XXXX XXXX XXXX XXXX XXXX XXXX XXXX summing up to a XXXX XXXX XXXX 

I called the credit card company and report the fraud transactions. And they canceled the noted charges. However, today, XX/XX/XXXX, I got notified by my personal finance management app that there are several fraud charges again at XXXX which couldn't be my action. Then I log onto the Chase app and it turned out Chase put the canceled fraud charges again in a stealth way without informing me at all. If it weren't my personal finance app somehow picked it up, I wouldn't even notice they stole a few XXXXXXXX XXXX  from me. 

When I called the customer service, my call was passed around between a few " departments '' and ended up with a person who said my case needed special department to handle but they were off now. I would need to call again next week. 

The service had gone really bad with the company especially on these fraud detection and prevention. I had a couple instances last year and every time they would have to send me a new set of cards and it really disrupted my payment setup in many places.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 have no liability to XXXX XXXX XXXX  for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX brought the debt from XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XXXX XXXX to provide me the direct contract between them and XXXX showing that they are authorized to collect for XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX XXXX XXXX Transunion, and XXXX reporting this to my credit report.

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