vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
I am filing a complaint against Equifax for failing to conduct a proper investigation into inaccuracies I have disputed on my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, stating that the disputed 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 requires credit reporting agencies to conduct a reasonable investigation of cons
umer disputes. Additionally, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The Consumer Financial Protection Bureau ( CFPB ) recently highlighted similar violations in its administrative proceeding ( File No. XXXX ) against Equifax. 

I respectfully request that the CFPB take appropriate action to ensure Equifax complies with federal law and provides consumers with documented proof of proper investigations into disputed credit report inaccuracies. 

Thank you for addressing this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called on numerous occasion to request 1099c the accounts that are charged off/written off and I was told they could not provide that. They have reported it to the IRS as a lost but coming after me. They are committing fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I was born on XX/XX/year>, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 am writing to formally dispute several inaccuracies on my credit report. Despite previous disputes, XXXX has failed to address these issues, including the presence of inaccurate personal information and unauthorized accounts. I demand resolution and removal of these inaccuracies within 4 days. 

1. Personal Information in Dispute : The following names listed on my credit report are inaccurate and do not belong to me.These names are not associated with me and must be removed immediately. Continuing to report incorrect names is a violation of the Fair Credit Reporting Act ( FCRA ), as it fails to ensure accurate consumer information. 

1. Account Details in Dispute : XXXXXXXX XXXX XXXX : This account, currently marked as a collection account, is ineligible for reporting. XXXX XXXX XXXX has been banned by the Federal Trade Commission ( FTC ) from participating in any debt collection business under a federal court order. Despite my dispute, XXXX has failed to remove this account or provide valid verification of this debt. Continuing to report this banned entitys collection is unlawful and violates FCRA provisions. 
XXXX XXXX XXXX : Despite my dispute, XXXX marked this account as verified, but failed to provide documentation of the investigation or any substantive findings. 
XXXX XXXX. Similarly, this account remains inaccurately reported, and no valid proof has been shared to support its accuracy. 
XXXX XXXX XXXX XXXX : This account does not belong to me. I dispute its inclusion in my credit report and request immediate removal as it is inaccurate and unverifiable. 

2. Violations of FCRA and Experians Obligations : Under the FCRA, XXXX is required to : Conduct a thorough and meaningful investigation of disputes ( 15 U.S. Code 1681i ). 
Remove or correct inaccurate, incomplete, or unverifiable information promptly. 
Notify consumers of dispute resolutions with sufficient clarity. 

XXXX continued reporting of these disputed accounts without proper verification, and its failure to correct or remove inaccurate entries, directly violates the FCRA. Additionally, continuing to report a banned debt collector like XXXX XXXX XXXX shows disregard for FTC enforcement and FCRA standards.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand that I can opt out of the sale of my personal and private info by Experian if I request so before XX/XX/year>, which I tried to do. In my other complained # XXXX I explained that Experian is hiding behind their website and makes no human available for assistance with trouble accessing an account. I can not log in to my existing account, reset my password, create a new login, get help, call an Experian person for help, I can't reach anyone, there is no email, and all their phone numbers point you to their website which provides no help and nothing works. I've sent an email demanding to opt out of the sale of all my personal data, but I don't believe they will honor that, and I have not received any response. I don't know if this is the correct email to use, they don't give any hints or instructions and they can't be reached. So if this isn't the right email to make this request, I need the correct one BEFORE XX/XX/XXXX, no games here. I REQUEST TO OPT OUT!!! 

I try to guess email addresses to use to reach someone, and all of them are invalid. They have no way to be reached. How is this allowed??? Please see the email I sent them, and how I keep trying to reach them. Just try to reach them yourself and see how it goes. Just try to get a human on the phone. If you succeed, then please call me and tell me how you did it, because none of us peons can.

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 2025-01-25 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: PA

Complaint narrative:
To Whom It May Concern, In XX/XX/XXXXXXXX I reviewed my credit report in preparation for a mortgage application and discovered several accounts fraudulently opened in my name. Since then, I have taken multiple steps to resolve these issues, including disputing these accounts with TransUnion, debt collectors, and the original creditors. I sent certified letters disputing the accounts, yet TransUnion has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) and has not adequately addressed these disputes.

Key Issues with TransUnion : 1. Failure to Investigate Under FCRA Section 611 ( 15 U.S.C. 1681i ) : TransUnion is required to investigate disputes regarding the accuracy of items in a consumers file within 30 days of receiving a dispute. Despite my certified letter disputing the fraudulent accounts, TransUnion has failed to conduct a reasonable investigation or remove these accounts. 
2. Failure to Provide Documentation Under FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : As part of my identity theft dispute, I have the right to request all information related to the fraudulent accounts. TransUnion has not provided this information.

3. Failure to Block Fraudulent Accounts Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : I submitted an FTC Identity Theft Report and supporting documentation, which requires TransUnion to block the reporting of fraudulent information. This obligation has not been fulfilled. 

Accounts in Dispute : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}. 

Debt Collection Violations : Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), debt collectors must cease collection activity until the disputed debt is verified. Despite my certified letters disputing these debts, the debt collectors involved have failed to provide adequate verification. 

I have attached all relevant documentation, including my FTC Identity Theft Report, certified dispute letters, and supporting evidence. I request your assistance in ensuring TransUnion resolves this matter promptly and adheres to its legal obligations.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The collection account balance is incorrect for the following XXXX XXXX acct # XXXX in the amount of {$700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear CFPB, I am filing this complaint to address the inaccurate and harmful information being reported by the credit bureaus listed below. Despite my efforts to resolve these discrepancies directly with the bureaus, I have been unable to achieve a satisfactory resolution. 

Issues Reported 1. Account Discrepancy Creditor : XXXX XXXX Account Number : XXXX I do not recognize this account, and I believe it does not belong to me. This account is causing significant harm to my credit profile. I request its immediate removal. 
2. Unauthorized Hard Inquiries Multiple unauthorized inquiries have been reported on my credit file, which were not initiated or approved by me. These include : Dates of Unauthorized Inquiries 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 These inquiries were not authorized, and their inclusion on my credit report violates the Fair Credit Reporting Act ( FCRA ). 

Consumer Rights Violated Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am entitled to : The assurance that my credit report contains only accurate, verifiable, and complete information. 
A thorough investigation of any disputed information, with results provided within 30 days. 
The removal of unverifiable or unauthorized information from my credit report. 

The inaccurate account and unauthorized inquiries have caused harm to my creditworthiness, violating my rights as a consumer. 

Requested Resolution 1. Immediate removal of the XXXX XXXX account ( XXXX ) from my credit file. 
2. Immediate removal of the unauthorized inquiries listed above. 
3. A corrected credit report sent to all creditors who accessed my file within the last 6 months ( or 2 years for employment purposes ).

4. Disclosure of the name, location, and contact information of the parties responsible for furnishing the disputed information. 

Failure to address these inaccuracies will leave me no choice but to pursue legal action for non-compliance under the FCRA. 

Thank you for your attention to this matter. I trust that the CFPB will ensure the credit bureaus take the necessary steps to resolve these issues promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear CFPB, I am filing this complaint to address the inaccurate and harmful information being reported by the credit bureaus listed below. Despite my efforts to resolve these discrepancies directly with the bureaus, I have been unable to achieve a satisfactory resolution. 

Issues Reported 1. Account Discrepancy Creditor : XXXX XXXX Account Number : XXXX I do not recognize this account, and I believe it does not belong to me. This account is causing significant harm to my credit profile. I request its immediate removal. 
2. Unauthorized Hard Inquiries Multiple unauthorized inquiries have been reported on my credit file, which were not initiated or approved by me. These include : Dates of Unauthorized Inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized, and their inclusion on my credit report violates the Fair Credit Reporting Act ( FCRA ). 

Consumer Rights Violated Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am entitled to : The assurance that my credit report contains only accurate, verifiable, and complete information. 
A thorough investigation of any disputed information, with results provided within 30 days. 
The removal of unverifiable or unauthorized information from my credit report. 

The inaccurate account and unauthorized inquiries have caused harm to my creditworthiness, violating my rights as a consumer. 

Requested Resolution 1. Immediate removal of the XXXX XXXX account ( XXXX ) from my credit file. 
2. Immediate removal of the unauthorized inquiries listed above. 
3. A corrected credit report sent to all creditors who accessed my file within the last 6 months ( or 2 years for employment purposes ).

4. Disclosure of the name, location, and contact information of the parties responsible for furnishing the disputed information. 

Failure to address these inaccuracies will leave me no choice but to pursue legal action for non-compliance under the FCRA. 

Thank you for your attention to this matter. I trust that the CFPB will ensure the credit bureaus take the necessary steps to resolve these issues promptly. 

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed several items asking the company to provide historical data and also the balance amount. After several failed attempts I have not Recieved the information. I have also asked another company to verify information and they have yet to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
I can not make a payment with the XXXX XXXX XXXX XXXX because they have removed the ability to make a payment online via my account. They are located in Virginia and I am located in West Virginia & Florida. I need to be able to make a payment to get my account cleared up - without having to agree to a resign - and without having to make a phone call and wait an hour to receive someone to speak with. 

They are really bad at this, I have made late payments yes but they are making it humanly impossible with their bad/unprofessional business tactics to get the account caught up, without me having to do a " resign '' I can currently not see ANY information on my account - that is illegal in itself. 

Please have them reach out to me with valid access to make a payment and see my account information correctly - as every consumer should have access to their personal information.

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 2025-01-25 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: MO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$10000.00} Status Repossession. {$4500.00} past due as of XX/XX/XXXX. 

XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$5500.00} XXXX Account charged off. {$5500.00} written off. {$5500.00} past due as of XX/XX/XXXX. 

XXXX XXXX In good standing Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late. 
XXXX XXXX In good standing Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late. 
XXXX XXXX In good standing Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late. 
XXXX XXXX XXXXXXXX In good standing Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late.

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Recovery Solutions, LLC
State: CA

Complaint narrative:
National Recovery Solutions LLC Contacted my boyfriend dad at XXXX Contacted my sister in which she is a XXXX  at XXXX when she was in school Reached out to me XXXX- with a lot of violation text by them allegedly saying I have to pay XXXX XXXX  by a certain date on a debt I don't owe. 

A debt collectors are not allowed to contact minors regarding a family members debt. The Fair Debt Collection Practices Act ( FDCPA ) in the U.S. regulates debt collection practices and generally prohibits debt collectors from discussing a debt with anyone other than the debtor, their spouse, or their attorney, without the debtors permission.

Contacting a minor to pressure them or convey a message about a relatives debt could be seen as harassment or a violation of these rules. If this happens, it might be grounds for a complaint with the Consumer Financial Protection Bureau ( CFPB ) or your states attorney general.

In which that happened and I dont want no contact from this agency. I will be filing a complaint to the state and other agency The representative that is making this harassing phone call and reaching out to my family and as well my boyfriend family without consent. This representative is XXXX XXXX. 

I emailed a letter behalf of my sister and as well on my behalf to have National Recovery Solution LLC to Cease and Desist. I want them to stop harassing me, my sister, my parents and reaching to my boyfriend family.

I filed a complaint and they deny their wrongdoing and denying their negligence. They ruined my reputation with my family because of them

Company response to consumer: Closed with explanation