vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX To : XXXX XXXX XXXX XXXX XXXX, GA XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam, I am writing to formally request the correction of my credit report regarding my XXXX XXXX XXXX XXXX account . My personal belongings, including my drivers license, Social Security card, cell phone, and financial cards, were stolen and used for fraudulent activities. I have documented proof from multiple sources confirming that this information is fraudulent, and it has been blocked in the system in full compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B, FTC, CFPB, and applicable USC codes. 

The account in question was fully paid and closed in XX/XX/XXXX. I am requesting that you update my credit report to reflect the account as paid in full with no late payments, in full compliance with USC 15 1666b ( a ), which states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

If the information can not be updated to reflect that the account is fully paid and there are no late payments, I request that you BLOCK, REMOVE, or DELETE this information from my credit report within 4 days in accordance with FCRA 605B.

Please confirm the updates have been made and notify me in writing of any changes. Your prompt attention to this matter is appreciated. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX ( Secured Loan )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX You said : Write a short brief description about how XXXX, transunion and XXXX not looking into validating accounts in regards to the lawsuit XXXX said : XXXX XXXX, TransUnion, and XXXX, the three major credit bureaus, have faced lawsuits alleging that they failed to properly investigate and validate disputed accounts. Consumers have claimed that these bureaus continued to report inaccurate or fraudulent information without conducting thorough investigations, violating the Fair Credit Reporting Act ( FCRA ). The lawsuits highlight systemic issues where automated processes and lack of human review led to wrongful credit damage, financial hardships, and denied credit opportunities. These cases emphasize the need for stronger consumer protections and accountability in credit reporting practices. 





You said : Add me in there as a victim of this XXXX said : XXXX giving feedback on a new version of XXXX. 
Which response do you prefer? Responses may take a moment to load. 
XXXX Response 1 XXXX, TransUnion, and XXXX, the three major credit bureaus, have faced lawsuits for failing to properly investigate and validate disputed accounts. As a victim, I have personally experienced the frustration of these bureaus continuing to report inaccurate or fraudulent information without conducting a thorough review. Despite my efforts to dispute these errors, they failed to take the necessary steps to correct my credit report, causing financial hardship and obstacles in obtaining credit. These lawsuits highlight systemic issues where automated processes and lack of human oversight have led to wrongful credit damage, underscoring the urgent need for stronger consumer protections and accountability

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX To : XXXX XXXX XXXX XXXX XXXX, GA XXXX To : Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam, I am writing to formally request the correction of my credit report regarding my Navy Federal Credit Union account XXXX My personal belongings, including my drivers license, Social Security card, cell phone, and financial cards, were stolen and used for fraudulent activities. I have documented proof from multiple sources confirming that this information is fraudulent, and it has been blocked in the system in full compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B, FTC, CFPB, and applicable USC codes. 

The account in question was fully paid and closed in XX/XX/XXXX. I am requesting that you update my credit report to reflect the account as paid in full with no late payments, in full compliance with USC 15 1666b ( a ), which states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

If the information can not be updated to reflect that the account is fully paid and there are no late payments, I request that you BLOCK, REMOVE, or DELETE this information from my credit report within 4 days in accordance with FCRA 605B. 

Please confirm the updates have been made and notify me in writing of any changes. Your prompt attention to this matter is appreciated. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX Navy Federal Account Number : XXXX ( Secured Loan )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam, I am writing to formally request the correction of my credit report regarding my XXXX XXXX XXXX XXXX account XXXX My personal belongings, including my drivers license, Social Security card, cell phone, and financial cards, were stolen and used for fraudulent activities. I have documented proof from multiple sources confirming that this information is fraudulent, and it has been blocked in the system in full compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B, FTC, CFPB, and applicable USC codes. 

The account in question was fully paid and closed in XX/XX/XXXX. I am requesting that you update my credit report to reflect the account as paid in full with no late payments, in full compliance with

USC 15 1666b ( a ), which states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. If the information can not be updated to reflect that the account is fully paid and there are no late payments, I request that you BLOCK, REMOVE, or DELETE this information from my credit report within 4 days in accordance with FCRA 605B. 

Please confirm the updates have been made and notify me in writing of any changes. Your prompt attention to this matter is appreciated. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : Applecard [ goldman sachs ] is falsely alleging debt of {$530.00}, when XXXXXXXX XXXX account closed with {$0.00} ( XXXX ) balance. Applecard [ goldman sachs ] is in violation of fair debt collection practices act 15 U.S.C. 1692. Applecard [ goldman sachs ] has allowed FRAUD to take place and delusionally believe I should pay for their failures. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Respectfully, XXXX XXXX XXXX XXXX PHONE : XXXX EMAIL : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I spoke with XXXX  twice an still yet to see it taken off, She stated it would take twenty four to forty eight hours, XXXX XXXX Which XXXX  XXXX has as of XXXX an also one at Amsher collection of the amount of XXXX XXXX XXXX XXXX  that I have to clue about being in good standards with my companys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. 

These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 

I am deeply concerned that my dispute may be mishandled in a similar manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. 

These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 

I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
**Subject : ** Urgent Dispute of Inaccurate Information Request for Immediate Action I am writing to dispute the inaccurate information Disover account and BMI bank reported on my file, and I demand that you take immediate action to correct it. I have submitted multiple disputes through the Consumer Financial Protection Bureau ( CFPB ) portal, but you have continually ignored my requests. This is a direct violation of federal law, including the Fair Credit Reporting Act ( FCRA ), and CFPB regulations.

Under the FCRA, you are required to conduct a reasonable investigation of any disputes within 30 days. Your failure to address my dispute and provide the necessary documentation for the reported account is an outright violation of the law. Specifically, ChexSystems is required to provide proof of the accuracy of the reported information and must not report information that is incomplete, unverifiable, or inaccurate.

I demand that you immediately : 1. **Remove the inaccurate information** from my file.

2. **Provide me with documentation** showing that you have the legal authority to report this account.

3. **Cease violating my rights** under the FCRA and CFPB regulations.

If this issue is not resolved within 30 days, I will take further action and escalate this to the CFPB, the Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I will consider legal action for your noncompliance with the law.

Please treat this matter with the urgency it deserves. I expect an immediate resolution to this dispute. 
Sincerely, XXXX XXXX XXXX Social Security XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX Account # XXXX Open XX/XX/year> that was part of identify theft and was removed from XXXX and XXXX, but not from Equifax. 15 USC 1618c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these 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 XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these 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 XXXX XXXXowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: AZ

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 systematic 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 Experians 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I lost out on money an doing business with cash app put me behind an they even lock me out of my account after with no real explanation no way to resolve an on top of that I was violate my consumer right 15 usc 1682

Company response to consumer: Closed with explanation