vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Dear CFPB and Equifax VIOLATION OF USC 1681 ( I ) FAILURE TO INVESTIGATE A VALID DISPUTE Charge off XXXX under the name of XXXX This is not a redundant complaint as this is repeated behavior by Equifax and each issue is on a separate complaint because Equifax is failing to read the valid complaints On XX/XX/XXXX, I requested that Equifax conduct a thorough investigation on my XXXX a medical debt charge off due to inaccuracies. It appeared that the investigation never took place because the inaccuracies were still there. I requested another investigation in XX/XX/XXXX but Equifax failed to investigate this as well. Additionally, in XXXX I request requested the removal account of the XXXX Bank based on its status of Medical Debt After an entire day was spent waiting on hold to get an appropriate agent and Equifax agent determined that no investigation has never been done on the XXXX XXXX and they were puzzled as to why the investigation team changed to name of the tradeline from XXXX to a bogus name of XXXX. They then asserted that they could not do an investigation because they didnt have the name of the account. This deceptive behavior prevented me from ever having an investigation. USC 1681 states that I am allowed an investigation within 30 days. Or it must be deleted. I have now made three request, and I am demanding that it be deleted Because my rights were violated under the Fair Credit Reporting Act.

A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
An honest agent with Equifax brought to my attention that no investigation had ever been done, and therefore my rights have been violated as it pertains to the XXXX XXXX medical debt account. This neglectful and deceptive behavior is getting very common with Equifax. 
Please notice that I have included my drivers license and Social Security number because Equifax constantly uses this as a bogus excuse to delay legitimate investigations Please see my screenshots for the correct spelling of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Early Warning Services, LLC
State: VA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of XXXX SSN : XXXX Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX  ( Open Date : Not provided ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX ( Open Date : Not provided ) Account # XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : Not provided ) Account # XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: TekCollect Inc.
State: FL

Complaint narrative:
I am writing to report a data breach that has compromised my personal credit information. I recently discovered unauthorized activity on my credit report, which suggests that my sensitive information, including my Social Security number, account details, or other personal data, may have been exposed or accessed without my consent. I am concerned about potential identity theft and financial harm resulting from this breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Friday XX/XX/XXXX, I tried to call Bank of America customer support to ask for an extension on my credit card payment. I clicked on a website that was a fraudulent BOA website and it gave me a fraudulent support number. I spoke to a person and wasnt aware it was fraudulent until I went on my BOA app and it said to authorize a transaction for {$14.00} for an XXXX XXXX XXXX. The person on the phone told me to authorize it & I immediately hung up and logged into my account. There ended being 3 charges, the one for {$14.00} & 2 others. One for {$260.00} and another for {$54.00} to the same XXXX XXXX XXXX. I immediately disputed it to fraud claims, but my claim was denied due to the purchase coming from an authorized device. However, I have never made any false fraudulent claim.

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 monetary relief
Consumer complaint received 2025-02-23 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 ( 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 2025-02-23 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: AZ

Complaint narrative:
This account is being reported inaccurately on my credit report by Equifax, Experian and Transunion. This is account is not in compliance with FCRA laws and IRS regulations.

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 2025-02-23 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: AZ

Complaint narrative:
This account is being reported inaccurately on my credit report by Equifax, Experian and Transunion. This is account is not in compliance with FCRA laws and IRS regulations.

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 2025-02-23 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: MO

Complaint narrative:
Dear CFPB and Equifax VIOLATION OF 15 USC 1681 ( I ) 4 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

This is not a duplicate complaint. Each issue is on a separate complaint because Equifax is failing to read.complaints especially if they are lengthy In XX/XX/scrub> 2025, it was finalized by Congress that the credit reporting agencies such as Equifax are not allowed to report medical debt on a consumer account. I notified Equifax through a CFPB complaint of the medical debt status of the XXXX Medical Debt charge off Instead of Equifax, considering the relevant information and discussing that relevant information to delete the account, they went to a totally separate account under another name and submitted a dispute to their credit reporting agency about an entirely different issue. It was clear that they never even bothered to read my clear Assertion that the account is related to a XXXX and therefore should be remove. Equifax is not reading complaints at all and doing ham investigations. My rights are violated under the medical debt law as the account remains on my credit report. Also I have been violated under 15 USC 1681 ( I ) 4 that says Equifax shall review and consider the relevant information. Instead, they didnt even bother to read the clear complaint and left the XXXX XXXX Debt on my account without action. They failed to eat and read the complaint and did a sham investigation. 
This behavior is an ongoing issue in the CFPB has received more than 85,000 complaints about Equifax, but the issue remains and consumers are exhausted I have again included my drivers license and SSN card I am demanding that the XXXX XXXX medical debt charge off be removed from my report for the violation of 15 USC 1681 ( I ) 4

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
A friend of a friend sent me two {$30.00} transactions via Zelle around XX/XX/XXXX. I never questioned the transaction, believing it to be just another casual exchange. Little did I know that this would trigger a chain reaction that would upend my financial stability. 
One day, I logged into my XXXX XXXX account, only to be greeted with a chilling message : " Your account has been closed. '' Panic set in as I scrambled to understand why. XXXX XXXX provided no clear explanation, leaving me in the dark. Desperate for answers, I contacted their customer service, only to be met with vague responses and outright denial of any previous correspondence regarding the closure. i was told that Zelle did an audit on my account and found that the {$30.00} sent to me was sent through a fraudulent account and they've decided to close my account so XXXX XXXX Closed my accounts Determined to uncover the truth, I turned to Zelle on XX/XX/XXXX, the platform through which the fateful transaction occurred. I could reach no one It felt like a punch to the gut. How could a small amount of money lead to such drastic consequences? Moreover, why was I being punished for something beyond my control?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: OH

Complaint narrative:
Earlier this year I tried to get my cr3dit report corrected .now my score has dropped so far down .I 've disputed 13 credit inquiries, 3 collections 2 delinquent pays

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX, Account name : XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
ACCORDING TO '15 U.S.C 1692 C ', YOU HAVE VIOLATED MY RIGHTS BY IN LAWFUL COMMUNICATIONS. PLEASE REMOVE THESE COLLECTION FROM MY CEDIT REPORT ASAP. THANK YOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ACCORDING TO '15 U.S.C 1692 C ', YOU HAVE VIOLATED MY RIGHTS BY IN LAWFUL COMMUNICATIONS. PLEASE REMOVE THESE COLLECTION FROM MY CEDIT REPORT ASAP. THANK YOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-23 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: CA

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 of unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violated 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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a dispute to experian on XX/XX/XXXX, it is now XX/XX/XXXX and I have not received any investigation results. Below I attached a copy of the dispute ( in which i detailed out everything that's inaccurate, incomplete and/or unverifiable ), 2 forms of ID, the supporting documentation and a copy of the credit report. I demand that this agency complies with the FCRA

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 2025-02-23 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: AR

Complaint narrative:
They allowed XXXX XXXX to see my credit report and leak my information out. Where now my information has popped up on the dark web and there are items in my report that doesn't belong to me

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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX Bank of America Attn : Billing Inquiries Re : Notice of disputed charge to Account No. 
XXXX Account - XXXX XXXX XX/XX/XXXX. - XXXX I am writing to dispute XXXX XXXX {$350.00} charge to my credit card account on XX/XX/XXXX. I did not receive the goods I paid for. It should have arrived XXXX/XXXX/XXXX. Please reverse the transaction. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
I contacted XXXX XXXX which is the original people over the account, but they gave it to Debit Recovery Solutions but this account does not belong to me. Ive been trying to to get this dept off my credit for 3 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
XXXX. 
XXXX XXXX. 
XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief