vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
I am writing to express my concern and dissatisfaction regarding the handling of my dispute and the failure to validate the accounts in question within the 30-day timeframe as required under the Fair Credit Reporting Act ( FCRA ). Additionally, the necessary corrections to my credit report have not been made, despite my efforts to resolve this matter. 

On XXXX, I submitted a dispute to Experian, Equifax, & TransUnion regarding inaccurate information on my credit report. Specifically, I requested validation of the accounts listed below : XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # xxxxxx To date, I have not received any validation of these accounts, nor have the inaccuracies been corrected on my credit report. This lack of action has caused significant harm to my financial well-being, including but not limited to : Denial of credit opportunities Higher interest rates on loans Emotional distress and frustration Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days and provide a response, including corrections or validation of the disputed information. The failure to do so is a violation of my rights as a consumer. 

I respectfully request that the CFPB investigate this matter and ensure that the credit bureau ( s ) involved comply with their legal obligations. Additionally, I urge the CFPB to take appropriate action to hold the credit bureau ( s ) accountable for their failure to act within the required timeframe and to ensure that my credit report is corrected promptly.

Please find attached copies of my dispute letters, correspondence with the credit bureau ( s ), and any other relevant documentation for your review. 

I appreciate your attention to this matter and look forward to a resolution. Please contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
I am writing to express my concern and dissatisfaction regarding the handling of my dispute and the failure to validate the accounts in question within the 30-day timeframe as required under the Fair Credit Reporting Act ( FCRA ). Additionally, the necessary corrections to my credit report have not been made, despite my efforts to resolve this matter. 

On XXXX, I submitted a dispute to Experian, Equifax, & TransUnion regarding inaccurate information on my credit report. Specifically, I requested validation of the accounts listed below : XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # xxxxxx To date, I have not received any validation of these accounts, nor have the inaccuracies been corrected on my credit report. This lack of action has caused significant harm to my financial well-being, including but not limited to : Denial of credit opportunities Higher interest rates on loans Emotional distress and frustration Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days and provide a response, including corrections or validation of the disputed information. The failure to do so is a violation of my rights as a consumer. 

I respectfully request that the CFPB investigate this matter and ensure that the credit bureau ( s ) involved comply with their legal obligations. Additionally, I urge the CFPB to take appropriate action to hold the credit bureau ( s ) accountable for their failure to act within the required timeframe and to ensure that my credit report is corrected promptly.

Please find attached copies of my dispute letters, correspondence with the credit bureau ( s ), and any other relevant documentation for your review. 

I appreciate your attention to this matter and look forward to a resolution. Please contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling a complaint against cashapp ( 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 Fraud 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 2025-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( file no. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-02-07 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
CONSUMER ADJUSTMENT CO XXXX XXXX, MO XXXX Date open : XX/XX/scrub>/2023 Original amount : {$280.00} Balance : {$390.00} This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX CARD Account number : 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
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXX/XX/XXXX Account number : XXXX Account name : XXXXXX/XX/XXXXXXXX Account number : XXXX Account name XX/XX/XXXXAccount number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XX/XX/XXXXAccount number : XXXX Account name : XXXXXX/XX/XXXX Account number : XXXX Account name : XXXX XX/XX/XXXX Account number : XXXX Account name : XXXXXX/XX/XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : U S DEPT OF EDXXXX Account number : XXXX Account name : U S DEPT OF EDXXXX Account number : XXXX Account name : XXXXXX/XX/XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XX/XX/XXXXXX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX/XXXX/2024 XXXX XX/XX/scrub>/2024 XXXX XX/XX/XXXX XXXX/XXXX/2024 XX/XX/XXXXXX/XX/scrub>/2024 XXXX XXXX XXXX XX/XX/scrub>/2024 XX/XX/XXXXXXXX/XXXX/2024 XX/XX/XXXX XX/XX/XXXX4/2024 XX/XX/XXXXXXXX/202 XX/XX/XXXXXX/XX/XXXX/2024 XX/XX/XXXXXX/XX/XXXX/2024 XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XX/XX/scrub>/2024XX/XX/XXXXXX/XX/scrub>/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: AL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
Post Lake Lending has not been giving me the accurate information that I need. Its really frustrating. Their agents are giving me misinformation and I want this to stop. Please help CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX GA, XXXX XXXX XXXX XXXX/XXXX/2025 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX File # XXXX Equifax XXXX XXXX XXXX XXXX GA, XXXX Report # XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Investigation and Removal of Inaccurate Charge-Off Accounts To Whom It May Concern, I am writing to formally dispute the accuracy of certain charge-off accounts that have been reported on my credit file. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be complete, accurate, and verifiable. The following accounts do not meet these legal standards and should be removed immediately : XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXAccount # XXXXXX/XX/XXXXAccount # XXXX These accounts contain incorrect and/or unverifiable information, which violates the provisions set forth by the FCRA. Under Section 609 and 611 of the FCRA, I request a detailed investigation into these accounts, including full documentation proving their validity. If these records can not be verified as 100 % accurate, I demand that they be removed from my credit report immediately.

Additionally, I request that you provide me with all records associated with these charge-off accounts, including signed agreements, payment history, and validation of the reporting. If you can not provide such documentation, you are required by law to remove these inaccurate records from my credit file.

I have attached copies of my identification and supporting documentation to assist with this investigation. Please provide me with a written response within 30 days confirming the deletion of these inaccurate accounts or evidence proving their accuracy.

Failure to comply with this request may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of Government-Issued ID Copy of Credit Report Highlighting Disputed Accounts

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 2025-02-07 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC XXXX, SC XXXX Date open : XXXX/XXXX/2022 Original amount : {$610.00} This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX  BALANCED {$800.00} XXXX XXXX XXXX XXXX BALANCED {$2400.00} XXXX XXXX XXXX BALANCED {$540.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$3100.00} XXXX XXXXXXXX BALANCED {$2100.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$220.00} This account has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: CT

Complaint narrative:
After reviewing my credit report I found that XXXX XXXX XXXX is inaccurately reporting to my credit report I have not done any business with XXXX. Nor have I signed a legal contract with XXXX. These student loans are causing me hardship and I am unable to get the funding I need to close on my home. Experian has failed to investigate and furnish the requested contract that proves this debt belong to me. I am asking to delete this account immediately form my credit report. This ia aggrivated Identity theft.

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 2025-02-07 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:
Credit Reporting from Experian failed to fulfill its legal obligation under the Fiat Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has 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 disputed outcomes. These failures align with my experience where Experian has neither corrected nor removed the disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
Credit Reporting from Experian failed to fulfill its legal obligation under the Fiat Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has 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 disputed outcomes. These failures align with my experience where Experian has neither corrected nor removed the disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: PA

Complaint narrative:
Please see attachment. In addition I am not able to access my report for their websites.

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