vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently received a copy of my credit report and noticed unauthorized accounts, wrong information, and serval inaccuracies reporting to my credit report. These remarks have made my life extremely hard and challenging. My credit health has taken a major fall.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently received a copy of my credit report and noticed unauthorized accounts, wrong information, and serval inaccuracies reporting to my credit report. These remarks have made my life extremely hard and challenging. My credit health has taken a major fall.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently received a copy of my credit report and noticed unauthorized accounts, wrong information, and serval inaccuracies reporting to my credit report. These remarks have made my life extremely hard and challenging. My credit health has taken a major fall.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID

Complaint narrative:
XXXX XXXX XXXX is still reporting on my credit report about some late payments after my house was paid off back in XXXX. This needs to be removed from my credit report, there is no need to have this on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Violations of 15 U.S. Code 16815-2. Inaccurate Reporting of information. I have reached out to Equifax, XXXX, and XXXX in regards to unauthorized Inquiries on my credit report and fraudulent accounts opened on my credit report without my consent. In from XXXX to XXXX I reached out to these bureaus to investigate the matter. After 30 days I received reports from the dispute but nothing was changed after saying the accounts were updated and verified. I compared my report from the prior months and noticed nothing had been updated, which is a violation of my consumer rights and a violation to the FCRA Laws. I made them aware that these accounts in question were fraudulently opened under my identity which put me as a consumer and my credit report at great jeopardy. Failing to investigate this matter was a violation and how they are not to be reporting such information especially if I have made them aware that I didn't apply for any lines of credit nor product, as a data Furnisher, their job is to make sure accuracy reflects on a consumer report and I have showed them where they have violated with them not complying with my request to have these inquiries and accounts deleted is a violation of my consumer rights and that they are being non compliant with Federal, State and FCRAS guidelines. I have pointed out the Laws to these Data Furnishers and how they are in clear violations of what they have been furnishing, Credit Reporting Agencies from what they have allowed these institutions to Knowingly Report the inaccurate information. This is a clear violation of 15 U.S. Code 16815-2 and my Consumer Rights, this has affected my ability to obtain Credit and have damaged my Reputation as a Consumer. I Demand these Inquiries and accounts be Deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding deceptive practices against XXXX XXXX XXXX XXXX. I WAS APPROVED BY CAPITAL ONE AUTO FINACE. On XXXX XXXX I went back to the dealer after they told me I didnt have to put a down payment for the car I was already approved for. When I get done with the salesman he took me to a back room where the manager said my trade in wasnt enough and how much cash could I put with my vehicle. I ended up putting XXXX cash down with my current vehicle which was valued @ XXXX they only gave me XXXX . Then I come to find out they ran my credit with multiple companies without my consent. * Inflating the total purchase price above the invoice or sticker price, such as by concealing options the consumer did not request, or by including other unapproved and undisclosed fees; * Falsely stating that optional features are required ; * Advertising a vehicle for a certain price and then telling consumers that the advertised deal is no longer available and attempting to sell them the same vehicle at a higher price, often known as a bait and switch scheme ; * Undervaluing or underpaying for a consumers trade-in vehicle ; * Falsely representing a used vehicle, including XXXX originally purchased from the dealership and then returned, as new ; * Representing that a new or used vehicle has features or options that it does not have ; * Claiming that a warranty offers protections that it does not offer, or falsely representing an extended service contract as an extended warranty. 
Under federal an consumer law 15USC1605 15USC1662b 15USC6803 18USC911 15USC600808 This issue appears consistent with recent findings by the CFPB which identified similar practices by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
TransUnion has multiple inquires and NON-MAILABLE ADDRESSES AND NAMES on my consumer report that I do not recognize. Transunion has violated my rights due to reporting inaccurate information on my consumer report. 15 usc1681states that it is a grave responsibility to report fair and accurate credit reporting. Inaccurate 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 TransUnion did not exercise their grave responsibilities with fairness, impartiality, or respect for my consumer right to privacy. TransUnion did not adopt a reasonable procedure for meeting the needs of commerce for consumer credit. TransUnion also violated my rights according to the Privacy Act of 1974.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
When sending money there was no disclosure or warning of possible fraud or scam provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

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

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts Ive disputed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX called company and wasnt resolved. 

XXXX XXXX XXXX XXXXXXXX XXXX Called debt collector and it wasnt resolved. 

XXXXXXXX XXXX XXXX Called creditor about account never being opened and was told nothing can be done. 

Hard inquiries with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not created by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was with navient for my student loan, and navient had to sell or give peoples student loans to other Servicing companies because of something they did. Now, XXXX has my student loan. They've had it since XX/XX/XXXX and they have failed to report to the credit bureaus. It looks as though I am late on my navient student loan payments when I'm not. XXXX has been taking my payments out of my XXXX XXXX account. On my credit report it looks as though I'm not paying navient and I'm getting alerts saying you are late on your student loan payments when I'm not. I am paying XXXX but navient is still showing open instead of closed or sold account. My credit score is going down because it appears that I am late on my student loans with navient, when navient does not have my student loans anymore, XXXX does and they have failed to report it. They've had it since XX/XX/XXXX and this is XX/XX/XXXX. When will they report my student loan so I can get credit for paying? This is ridiculous! I have petitioned XXXX to investigate and they keep saying navient has certified that this information is true and accurate and it's not navient needs to go ahead and close out my account because I've been paying XXXX since XXXX. XXXX needs to go ahead and start reporting my student loan so I can get credit for my payments. XXXX said they would send me a statement of payment that I could give to experian. Why do I have to send a statement of payment to XXXX shouldn't that be XXXX 's job? Shouldn't they be reporting my information to the credit bureaus? Can they actually look at the attachments that I send them in this complaint? I have sent numerous complaints thru the CFPB to XXXX and thru XX/XX/XXXX own website dispute portal. 
All they say is, this is true and accurate. No!!!! it's not!!! They never look at the attachments that I send because if they did, they would fix what I'm talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was with XXXX  for my student loan, and XXXX  had to sell or give peoples student loans to other Servicing companies because of something they did. Now, XXXX has my student loan. They've had it since XX/XX/XXXX and they have failed to report to the credit bureaus. It looks as though I am late on my XXXX  student loan payments when I'm not. XXXX has been taking my payments out of my XXXX XXXX account. On my credit report it looks as though I'm not paying XXXX  and I'm getting alerts saying you are late on your student loan payments when I'm not. I am paying XXXX but XXXX is still showing open instead of closed or sold account. My credit score is going down because it appears that I am late on my student loans with XXXX, when XXXX  does not have my student loans anymore, XXXX does and they have failed to report it. They've had it since XX/XX/XXXXXXXX  and this is XX/XX/XXXX. When will they report my student loan so I can get credit for paying? This is ridiculous! I have petitioned Experian to investigate and they keep saying XXXX  has certified that this information is true and accurate and it's not XXXX  needs to go ahead and close out my account because I've been paying XXXX since XXXX. XXXX needs to go ahead and start reporting my student loan so I can get credit for my payments. XXXX said they would send me a statement of payment that I could give to experian. Why do I have to send a statement of payment to Experian shouldn't that be XXXX 's job? Shouldn't they be reporting my information to the credit bureaus? Can they actually look at the attachments that I send them in this complaint? I have sent numerous complaints thru the CFPB to experian and thru experian own website dispute portal. 
All they say is, this is true and accurate. No!!!! it's not!!! They never look at the attachments that I send because if they did, they would fix what I'm talking about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXXXXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXXXXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2025-01-24 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to dispute inaccurate information on my credit report formally. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires less I am writing to dispute inaccurate information on my credit report formally. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to reinvestigate disputed items reasonably. 



Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX  failure to conduct proper investigations. 

Specifically, in a lawsuit against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 



As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 



I hereby request that XXXX : Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as law mandates. 


Given the recent CFPB findings, l expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. 


Suppose XXXX fails to comply with its obligations under the FCRA. In that case, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

Company response to consumer: Closed with explanation