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: NC

Complaint narrative:
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 Experian 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 2025-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX ** Subject : Dispute of Inaccurate Information Under 15 U.S.C . 1681i Dear XXXX, I am writing to formally dispute the accuracy of information associated with my credit report ( Report Number : [ Insert XXXX Report Number, if known ] ). Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I ask that you investigate and correct the following inaccurate, incomplete, or unverifiable items related to my account with Capital One : 1. **Account in Dispute : - Creditor Name : Capital One - Account Number : [ XXXX ] - Disputed Item ( s ) : Due to the data breach that occurred my credit file was compromised in 2017 and has since been reported inaccuracies, Late payments reported in my credit file as well as a inaccuracies of my credit score - Reason for Dispute : I am a victim of identity theft because of the circumstances that have accrued which has caused me financial hardship due to inaccuracies in my credit file and improper credit history which has led to creditors seeing a inaccurate credit score on my credit file.

Under 1681i, you are required to conduct a reasonable investigation within 30 days and provide written results. If the information can not be verified, it must be promptly deleted Enclosures Please send me an updated credit report and a summary of the investigations outcome. Failure to comply with FCRA obligations may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
After deposit robinhood from my bank they restricted my account so I can not withdraw my money all I want my money back already requested lift restriction but they still not working and change every due day what they said as you can see in the picture we will notify you by date change everyday and never contacted me even I try to but they not responding my RHS robinhood account No is XXXX my XXXX usd they lock in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Capital One XXXX  account. Not accruing the stated higher interest

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

Complaint narrative:
Experian has failed to fulfill it's legal obligation under the Fair Credit Act ( FCRA ) to conduct a reasonable investigation of the 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 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 2025-02-02 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: GA

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy 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 XXXX the account is accurate, without providing any evidence of a XXXX 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 that I have marked for removal. All 3 accounts dealing with XXXX XXXX XXXX and Department of EducationXXXX XXXX Equifax, Transunion, and Experian.

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 2025-02-02 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: GA

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy 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 XXXX the account is accurate, without providing any evidence of a XXXX 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 that I have marked for removal. All 3 accounts dealing with XXXX XXXX XXXX and Department of EducationXXXX XXXX Equifax, Transunion, and Experian.

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 2025-02-02 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:
To Whom It May Concern, I am filing this formal complaint to bring attention to the serious harm caused by the Equifax data breach and the severe impact it has had on my credit report. My personal information was compromised as a result of this breach, and I am now facing negative accounts on my credit report that have directly resulted from Equifaxs failure to safeguard my data.

Despite my attempts to rectify this issue directly with Equifax, I have been unable to have fraudulent or incorrect accounts removed from my credit report. These accounts and their continued presence on my report is causing me significant financial damage. 

I am demanding immediate action and am requesting that the CFPB intervene on my behalf to ensure that : All negative accounts listed below are immediately removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX account ending in XXXX Equifax takes full responsibility for the harm caused by their negligence in handling my personal data. 
Equifax provides clear and adequate support in addressing this issue and works to fully resolve the situation without further delay. 
It is unacceptable that consumers like myself continue to suffer the consequences of this breach, and I expect that the CFPB will hold Equifax accountable for its failure to protect my sensitive information and for not taking the necessary steps to correct these errors on my credit report. 

I trust the CFPB will take swift action to ensure that Equifax fulfills its obligations to correct this issue and prevent further damage to my credit standing. 

I appreciate your immediate attention to this matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I have spent the last 4 years fixing my Consumer Report to only have two different debt collection Associates attempt to put on my Consumer Report a debt that is not mine and I have no knowledge of as soon as my credit report starts to become credit Worthy. This is the second of two attempts in the past 3 months to tarnish My Consumer Report by a company. This new account has just shown up and is stating XX/XX/year> I have incurred {$3800.00} of money owed to them. I attached a copy of the only place that I have been to in the past 5 years concerning any kind of body or health inquiries XXXX XXXX XXXX. I owe absolutely nothing to any XXXX XXXX or XXXX XXXXXXXX XXXX. This is another attempt to keep my credit score low and keep me from obtaining adequate financing or credit for my family. If I need to take litigation against these companies because they keep harassing me with falsified information applied to My Consumer Report that's what I will do because this is unjust unfair and completely prejudice. I am being harassed outright by companies who feel that they can place whatever they want on my Consumer Report and I've had about enough of it. This is XXXXXXXX XXXX I'm a woman and I'm an XXXXXXXX XXXX woman and I am stating that this is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 2025-02-02 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 filed a dispute on account number beginning in XXXX, XXXX XXXX XXXX XXXX, account number beginning in XXXX, XXXX XXXX XXXX XXXX, and account number beginning in XXXX, XXXX XXXX XXXX due to illegally reporting my information without my permission on my credit report due to the Fair Credit Reporting Act Section 605B. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I'm requesting these derogatory remarks be removed as it is affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on the 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: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Service Residential, Nevada, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, I received an email from my mortgage company with an attached letter from XXXX XXXX XXXX. This letter states that I am behind on my XXXX XXXX XXXX fees ( the company is called First Service XXXX  ) by {$2200.00} and they placed a lien on my home with an intent to foreclose to settle the debt on XX/XX/XXXX. I contacted XXXX XXXX the same day and was advised that I must pay {$4900.00} and somebody would call me on Thursday ( XX/XX/XXXX ) to discuss payment plans and a breakdown on why the amount is now {$4900.00}, which nobody ever did. The XXXX fee was {$45.00} a month, they're stating I owe {$2200.00}, which would mean I NEVER paid them, which is INCORRECT, and I have receipt's/bank statements to prove it. Yesterday, XX/XX/XXXX, I received a letter from XXXX XXXX XXXX with payment arrangements of {$940.00} for 6 months, totaling {$5600.00}. There was no itemized bill, nothing to explain what all these fees are. In 6 days ( XXXX weekend days ) it went up {$600.00}. This company is highly unethical and needs to be shut down IMMEDIATELY. I planned on speaking to a XXXX XXXX Representative and settling an appropriate amount and paying the debt in full. This company added over {$3000.00} in fees with no explanation of what they are. I also want a verification that once the loan is paid, they will remove the lien. This company needs to be looked into, as there are NUMEROUS complaints from other people detailing similar issues.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Dispute Resolution Team, I am writing to formally dispute the accuracy of credit report information regarding the account with XXXX XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, I request a thorough investigation into the disputed entries listed on my credit report. 

Account Details : Account Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$22000.00} Status : Charged off with {$4400.00} past due as of XX/XX/year> Disputed Entries and FCRA Compliance : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that the credit reporting agencies promptly investigate disputed information from consumers and correct or delete any inaccurate, incomplete, or unverifiable information.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) mandates that furnishers of information provide accurate and complete information to the credit reporting agencies.

Detailed Requests for Compliance : Investigation Method : Please describe the procedures used in your investigation, consistent with FCRA requirements. 
Documentation and Evidence : I request copies of all documents, records, and other evidence sourced from the furnisher during your investigation. 
Contact Information : Please provide contact details for the furnishers involved, allowing me to verify the information independently. 
Results of the Investigation : A detailed report of the investigation 's findings is requested, along with an explanation of the determination. 
Updated Credit Report : Should changes occur based on the investigation findings, a free copy of my updated credit report is requested post-correction.

Compliance Assurance : Confirm that all investigation procedures adhere strictly to the stipulated FCRA guidelines. 
Written Confirmation : Documentation of each phase of the investigation, including initiation, intermediary communications, and conclusion dates, is requested. 
Attached are relevant documents supporting my dispute. This matter requires urgent attention, and I expect a resolution within the 30-day timeframe specified by the FCRA. 

Thank you for your prompt attention to this important issue. I look forward to your detailed response and a resolution that accurately reflects my credit history. 

Sincerely, XXXX 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Dispute Resolution Team, I am writing to formally dispute the accuracy of credit report information regarding the account with XXXX XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, I request a thorough investigation into the disputed entries listed on my credit report. 

Account Details : Account Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$22000.00} Status : Charged off with {$4400.00} past due as of XX/XX/year> Disputed Entries and FCRA Compliance : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that the credit reporting agencies promptly investigate disputed information from consumers and correct or delete any inaccurate, incomplete, or unverifiable information.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) mandates that furnishers of information provide accurate and complete information to the credit reporting agencies.

Detailed Requests for Compliance : Investigation Method : Please describe the procedures used in your investigation, consistent with FCRA requirements. 
Documentation and Evidence : I request copies of all documents, records, and other evidence sourced from the furnisher during your investigation. 
Contact Information : Please provide contact details for the furnishers involved, allowing me to verify the information independently. 
Results of the Investigation : A detailed report of the investigation 's findings is requested, along with an explanation of the determination. 
Updated Credit Report : Should changes occur based on the investigation findings, a free copy of my updated credit report is requested post-correction.

Compliance Assurance : Confirm that all investigation procedures adhere strictly to the stipulated FCRA guidelines. 
Written Confirmation : Documentation of each phase of the investigation, including initiation, intermediary communications, and conclusion dates, is requested. 
Attached are relevant documents supporting my dispute. This matter requires urgent attention, and I expect a resolution within the 30-day timeframe specified by the FCRA. 

Thank you for your prompt attention to this important issue. I look forward to your detailed response and a resolution that accurately reflects my credit history. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief