vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
This is 2nd attempt to resolve issue. This is new information and complaint. I am cosigner of daughters XXXX XXXX student loan which was inadvertently sent to collections in XX/XX/XXXX. At that the loan was in good standing with.no missed payments for 3 years The loan was on lower payment program beginning jan. XXXX due to my daughters loss of employment in XX/XX/XXXX. XXXX XXXX states loan sent to collections due to nonpayment for XX/XX/XXXX payment. Payment due date was XX/XX/XXXX by autopay which rejected due to bank error. XXXX XXXX refused phone calls and payment on XX/XX/XXXX and XX/XX/XXXX. The loan charged off on XX/XX/XXXX with no notification. XXXX XXXX states loan charged off because XX/XX/XXXX payment was not made BUT XXXX XXXX refused to take that payment. I now have a payment missed on my credit reports and want it removed. Im also sending this to attorney general

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 2025-01-30 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: AR

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 XXXX 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 XXXX XXXX XXXXXXXX ) 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 following accounts XXXX XXXX XXXX ENDING in XXXX, XXXX XXXX ending in XXXX, XXXX ending XXXX XXXX, XXXX ending in XXXX and BANKRUPTCY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
This account on my credit is in collections. It says that the original creditor Is XXXX XXXX apartments. I was sent a lease that I am not aware of and dont know how my information was given to this collection company. My information was giving without my knowledge/permission. Collection address XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX. XXXX and XXXX has a different contact information from XXXX on my credit report. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I ordered something using cash app. I later discovered that the item was a scam and I never received it. I let cash app know about it and I requested a refund and they let me know that an investigation would be opened. about a week later, cash app notified me that there wasn't anything they could do for me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MI

Complaint narrative:
Michigan XXXX XXXX XXXX has on my credit report that its a charge off of {$350.00}. I havent received any XXXX or any other forms about this charge off also I payed the {$350.00}. Please investigate this account. Its hurting my credit years later after I paid it off and the company lied by writing this off.

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 2025-01-30 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: MI

Complaint narrative:
Michigan XXXX XXXX XXXX has on my credit report that its a charge off of {$350.00}. I havent received any 1099 or any other forms about this charge off also I payed the {$350.00}. Please investigate this account. Its hurting my credit years later after I paid it off and the company lied by writing this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MI

Complaint narrative:
Michigan XXXX XXXX XXXX has on my credit report that its a charge off of {$350.00}. I havent received any 1099 or any other forms about this charge off also I payed the {$350.00}. Please investigate this account. Its hurting my credit years later after I paid it off and the company lied by writing this off.

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 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

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/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 2025-01-30 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

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/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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against Equifax for failing to properly investigate and correct inaccurate information on my credit report regarding my mortgage with XXXX. I closed on my property on XX/XX/year> ; however, Equifax is reporting that this account was 90 days late before I even had ownership. It is impossible for me to have missed payments on an account that did not exist at the time. Despite my disputes and the clear evidence I have provided, Equifax has failed to conduct a thorough and accurate investigation, allowing this false reporting to remain on my credit file. 

Equifaxs lack of proper investigation is damaging and unacceptable. Their failure to correct this clear inaccuracy suggests negligence in their dispute resolution process. I am requesting that Equifax update the account status to Paid As Agreed, Never Late ( PANL ), as I have provided proof that the reported late payments are incorrect. I urge the Consumer Protection Bureau to take immediate action to ensure Equifax upholds its legal responsibility to conduct fair and accurate investigations as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX General Counsel, XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Subject : Formal Dispute regarding inaccurate information on my credit report. 

Dear XXXX, I am writing to formally dispute in accurate 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 the lawsuit against XXXX, for it failure to properly investigate, consumers, disputes, citing Sham investigations and other unlawful practices. 
These practices, as outlined by the CFPB, include : Conducting in adequate investigations that fail to address consumer disputes properly. 
Reinstating previously disputed and in accurate information without explanation. 
Fail 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 handled in a similar manner. 
Please review the inaccurate information being reported.

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 2025-01-30 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX General Counsel, XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Subject : Formal Dispute regarding inaccurate information on my credit report. 

Dear XXXX, I am writing to formally dispute in accurate 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 the lawsuit against XXXX, for it failure to properly investigate, consumers, disputes, citing Sham investigations and other unlawful practices. 
These practices, as outlined by the CFPB, include : Conducting in adequate investigations that fail to address consumer disputes properly. 
Reinstating previously disputed and in accurate information without explanation. 
Fail 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 handled in a similar manner. 
Please review the inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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. 2025-CFPB-0002 ) 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 inaccurate & I would like the reported accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
I was impacted by this data breach from Equifax. I was denied credit and my credit score was deeply impacted because of the errors on my credit report. I have been compensated financially for this negligence. I have written a formal dispute letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
I asked them to delete information off my credit report that cant be verified and had the wrong information on it

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 2025-01-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Duplicate Accounts on Credit Report Dear Transunion, I am writing to formally dispute duplicate accounts that appear on my credit report. Upon reviewing my credit file, I noticed that the following account is listed more than once, which may negatively impact my credit score and misrepresent my financial history. 

Duplicate Account Details : Original Creditor Name XXXX XXXX XXXX BANK Account Number : XXXX Duplicate Entries : XXXX XXXX XXXX XXXX Account XXXX : XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report only accurate and verifiable information. Since this account is listed more than once, I request that the duplicate entry be removed immediately to ensure the accuracy of my credit report. 

To assist with your investigation, I have enclosed a copy of my credit report with the duplicate accounts highlighted. Please correct this issue and provide me with a written confirmation of the update within 30 days of receiving this request. 

Thank you for your prompt attention to this matter. If you need any further information, please contact me at the details provided above. 

Sincerely, 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
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX AND TRANSUNION are report inaccurate information on my credit report about my XXXX XXXX loan with XXXX # XXXX. I proof that XXXX XXXX agreed to update my credit file however XXXX AND TRANSUION are refusing to make the changes, they keep saying that they spoke to chase regarding this account and that they agreed that is accurate which i don't believe because is on the XXXX auto system when i called and they pulled the information they had send me and is exactly the same. I think they not taking the time to investigate and just sending me random answers. am going to attach a copy of both letter from chase auto as proof.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN AND XXXX are report inaccurate information on my credit report about my XXXX XXXX loan with XXXX # XXXX. I proof that XXXX XXXX agreed to update my credit file however EXPERIAN AND TRANSUION are refusing to make the changes, they keep saying that they spoke to chase regarding this account and that they agreed that is accurate which i don't believe because is on the XXXXXXXX XXXX system when i called and they pulled the information they had send me and is exactly the same. I think they not taking the time to investigate and just sending me random answers. am going to attach a copy of both letter from chase auto as proof.

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 2025-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Toyota financing is report inaccurate information, the vehicle was stolen and was cover by gap and vehicle was a lease and was pay in full. it was never supposed to be reported as a charge off. please update and removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a car loan with Capital One. Payment on the loan is {$330.00} per month due on the 4th day of each month. Prior to XX/XX/year>, I paid via automatic deposit from my XXXX XXXX XXXX account, but starting XXXX I deleted this automatic payment and created a new one on their online portal so that the funds would be deducted from another account at XXXX XXXX. I received confirmation via email of both these actions. Also, on their portal I can see the new information correctly reflected. 

However, on XX/XX/XXXX, the funds were deducted from both accounts, causing me to pay twice, and causing my account at XXXX XXXX XXXXXXXX to be overdrawn with all the attendant penalties. I called Capital One on XX/XX/XXXX when I noticed the error. The customer service representative insisted that there was no error, and that it was not their fault that I did not make the change correctly. He denied receiving the payment twice, claiming that only the XXXX XXXX XXXXXXXX payment came through. When I asked to speak to a manager, I was told that could not be arranged. 

Because there was no action from Capital One to refund the payment deducted from my XXXX XXXX XXXX account, I called XXXX XXXX XXXX to dispute the transaction which was swiftly restored to my account. They have since blocked any additional deductions from Capital One. 

Since then, Capital One has continued to deduct XXXX and XXXX payments from my XXXX XXXX account which I intended for them to do. However, they claim that I have not been making the payments and that my account is in arrears. It is impossible to speak to a manager. I continue interacting with customer service agents who seem unaffiliated in any direct way with the organization. Today, I see that these alleged arrears were reported to credit reporting agencies thereby negatively affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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