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: 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 writing to file a formal complaint regarding XXXX handling of credit inquiries on my credit report. Specifically, I have noticed that a single inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my report. This repeated listing has negatively impacted my XXXX XXXX and does not accurately reflect my credit activity. 

I have contacted XXXX to dispute these duplicate inquiries, but I have not received a satisfactory resolution. Given that XXXX is currently involved in legal proceedings regarding similar issues, I am concerned that this matter is part of a broader pattern of inaccuracies and consumer rights violations. 

I am requesting that the CFPB investigate this issue and take the necessary steps to ensure XXXX corrects my credit report by removing the duplicate XXXX XXXX inquiries. Accurate reporting is essential to maintaining the integrity of credit files and ensuring fair treatment for consumers like myself.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to request that Experian take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), to block fraudulent information from my Experian consumer credit report within 4 business days. The accounts, collections, hard inquiries and address in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within 4 business days of receipt of this complaint, as stipulated under the FCRA. The fraudulent information that needs to be removed includes the following : XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$60.00} XXXX Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXXXXXX Opened XX/XX/XXXX with a balance of {$590.00} XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX  Opened XX/XX/XXXX XXXX a balance of {$0.00} XXXX & XXXX Opened XX/XX/XXXX XXXX a balance of {$490.00} XXXX XXXX  XXXX Opened XX/XX/XXXX with a balance of {$170.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX with a balance of {$2600.00} Along with a fraudulent car loan with : XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$23000.00} My only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX. None of these accounts, collections, hard inquiries and addresses were initiated by me, and they are a direct result of identity theft. As evidence of the fraudulent activity, I am including a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) & ( # XXXX ). I expect that Experian will act swiftly to resolve this matter and block the fraudulent information from my credit report as required by law.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please remove address off my report XXXX XXXX XXXX XXXX nc Its a lot address on my credit report and different names I will like for all that to be remove thank u

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: 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 2025-01-25 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: MI

Complaint narrative:
I 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 ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MS

Complaint narrative:
YOU ARE REPORTING A DEBT ON MY CONSUMER REPORT THAT IS UNVERIFIED, INACCURATE AND A VIOLATION OF THE FCRA AND FDCPA. THE ACCOUNT IS REPORTING NEGATIVE INFORMATION ON MY REPORT. I WILL IMMEDIATELY STAR T THE PROCESS TO SEEK REMEDY FOR DAMAGES UNDER THE FCRA AND FDCPA FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY SONSUMER REPROT AND OTHER DAMAGES UNDER THE FDCPA UP TO {$1000.00} PER VIOLATION FOR EACH MONTH AND VIOLATION. DELETE THIS ACCOUNT AS SOON AS THIS CFPB COMPLAINT REACHES YOU. IT IS XX/XX/year>. PLEASE DELETE THIS ACCOUNT BY XXXX TO AVOID ACTION AGAIST YOUR COMPANY 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: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.

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 fraud alerts or security freezes — 
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 

The account below I previously disputed the following information on my Experian credit report Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Issue : Unverifiable account, Incorrect Account number, Past due amount, account Status Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

3. Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.

Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I have been a long time user of Zelle. Seeing this lawsuit against the company Zelle. Does not suprise me. I have been using this service for the past couple of years, to transfer my fund from my bank account to pay for daily things and sending money to friends and family when needed. There has been countless times where I have gotten notifications through my phone that certain amounts like {$1.00} or {$5.00} had been taken out of my bank account and it was always XXXX as ZELLE but I was not sending any money to anyone at the times I would get the notification. I believe I am eligible for this lawsuit cause I have gotten money taken from me in the past.

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: GA

Complaint narrative:
I 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 '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I 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 '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to propery 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 '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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: 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 am filing a complaint against Equifax for failing to propery 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 ( 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.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Re : DEMAND FOR DELETION OF BANKRUPTCY REPORTING To Whom It May Concern : I am writing to formally demand the immediate deletion of a bankruptcy reporting from my credit report, as your agency has no legal or factual basis to continue reporting this information. Courts do not report bankruptcy information directly to credit reporting agencies, and inquiries with XXXX and XXXX confirm that they do not furnish such data to you. 

Your continued reporting of this information is both erroneous and a violation of consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all data reported must be accurate, verifiable, and not misleading.

This inaccuracy has caused me significant harm, including emotional distress, denial of credit, and the inability to secure essential resources necessary for daily life. The FCRA entitles me to demand that you verify the accuracy of the information in question. As you can not validate its accuracy through permissible sources, you are legally required to delete this erroneous data under 15 U.S.C. 1681i.

Furthermore, your continued negligence in maintaining the accuracy of your reporting demonstrates a reckless disregard for your obligations under the FCRA. This is especially egregious as you have been notified that no valid source, including the courts, directly furnishes the data to you.

I must remind you of your liability for both compensatory and punitive damages for willful non-compliance under 15 U.S.C. 1681n. If this matter is not resolved within [ 15 ] days of your receipt of this letter, I will have no alternative but to seek judicial relief, including filing a lawsuit for emotional distress and other damages caused by your unlawful practices.

This letter also serves as notice of my intent to pursue all remedies available under the law, including a jury trial, if necessary, to enforce my rights.

I demand written confirmation of the deletion of the bankruptcy reporting from my credit file within the specified time frame. Failure to comply will result in immediate legal action.

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: FL

Complaint narrative:
I am filing a formal complaint against Equifax for failing to properly investigate disputes I submitted regarding inaccurate information on my credit report. Despite providing sufficient evidence to support my disputes, both companies failed to conduct a thorough investigation, as required under the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, credit reporting agencies are obligated to investigate disputes in a timely and reasonable manner when consumers challenge the accuracy of the information on their credit reports. However, the handling of my disputes appears to have been cursory, with no meaningful review of the evidence I provided. Furthermore, inaccurate information continues to remain on my credit report, negatively impacting my creditworthiness. 
This practice violates Section 611 of the FCRA, which mandates that credit reporting agencies verify disputed information with furnishers or remove unverifiable information promptly. The failure to investigate properly not only undermines the accuracy of credit reporting but also places an undue burden on me as a consumer.

I request that the Consumer Financial Protection Bureau ( CFPB ) intervenes to ensure that Equifax comply with FCRA guidelines by conducting a proper investigation into my disputes and correcting the inaccuracies on my credit report. I also ask for any remedies deemed appropriate to address the inconvenience and harm caused by their noncompliance.

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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Inc. Customer Data Security Breach Litigation ; Case XXXX Violations Include : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681 ( b ) ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ).

As a victim of identity theft linked to the widely publicized Equifax Data Breach ( XXXX XXXX. XXXX ), I am formally invoking my rights under federal law, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. These laws are explicitly designed to protect consumers from the unauthorized use of their personal information and ensure the accuracy and integrity of credit reporting practices. Equifax negligence and continued retention of credit, finances, and personal well-being. I have demanded the removal of fraudulent items appearing on my personal credit report. For months, I have communicated to XXXX XXXX, Equifax, and XXXX, and informed each, that the accounts listed do not belong to me. 
Equifax received materials, the accounts were deleted and proof of the deletion was confirmed. However, the accounts were reinserted back on my credit files and yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and still sending stall letters, which is frivolous. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed FTC report numerous times. The fraudulent accounts are now inaccurately reported as being in collections and/or reflecting late payments, which undermines my financial credibility. I have been disputing these particular unauthorized accounts for months, and your refusal to delete or block these fraudulent entries constitutes a blatant violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ( a ) ), which requires Equifax to block and delete any fraudulent information upon receipt of a valid identity theft report.

Company response to consumer: Closed with non-monetary relief