vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I originally disputed multiple inaccurate accounts on my credit report with Experian around XX/XX/XXXX - XX/XX/XXXX and requested proper documentation verifying these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). Experian failed to conduct a reasonable investigation and did not provide any valid documentation proving the accuracy or ownership of these accounts. Instead, Experian continued reporting these unverifiable accounts, which is a violation of my rights under the FCRA. 

The disputed accounts include : XXXX XXXX Opened XX/XX/XXXX | {$1100.00} charged off | Status : Paid in settlement | Experian failed to provide proof of verification. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX | {$780.00} charged off | Status : Closed | I am unsure if this account is mine, and Experian did not provide verification. 
XXXX XXXX XXXX  XXXX XX/XX/XXXX | {$540.00} charged off | Experian failed to validate this account. 
XXXX XXXX XXXX  Opened XX/XX/XXXX | {$800.00} charged off | Status : Closed | Experian did not provide proof that this account is mine. 
XXXX XXXX  XXXX XX/XX/XXXX | {$740.00} charged off | No verification provided. 
XXXX XXXX Opened XX/XX/XXXX | Status : Repossession | Experian did not provide proof of notice or documentation that led to the repossession. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX | {$610.00} charged off | Experian failed to provide proof of verification. 
XXXX Opened XX/XX/XXXX | {$990.00} charged off | Incorrectly states Account closed at consumers request when I never closed this account. 
XXXX ( Sold to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | {$1500.00} charged off | Experian failed to verify ownership. 
XXXX XXXX XXXX ( XXXX XXXX XXXX Original Creditor ) Opened XX/XX/XXXX | {$2600.00} in collections | Experian did not verify proper ownership. 

I requested that Experian provide me with : Signed agreements proving I opened these accounts Full payment history and statements validating account balances Proof that the creditors legally own or have the right to report these debts Experian failed to provide any of the above within the legally required 30-day timeframe per 15 U.S. Code 1681i ( FCRA guidelines ). Since they could not verify these accounts, they must be deleted from my credit report immediately.

I am requesting : Immediate removal of all unverifiable accounts Correction of my credit report to reflect accurate and legally reportable information Written confirmation of these changes Experians failure to comply with the FCRA could result in legal action if this issue is not resolved promptly. Please investigate and correct these errors 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 2025-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
The company calls my relatives almost daily, as well as myself, using threatening language as well as threatening to garnish my wage and call my employer, etc. The amount is for {$2600.00} please refer to the law 15 U.S.C 1692c ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This is also keeping me from being able to rent an apartment or buy a house

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OH

Complaint narrative:
I dont have exact date but sometime between June 2024-August 2024 Cashapp had closed my account for some random reason happened to many other people all over the U.S. and when they closed down my cashapp I had over XXXX dollars in my savings. Chatting with there aibot I asked over and over for my funds or my account to be restored no answers even tried calling the number didnt get any help from them either so that why Im filing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S.Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 thatiter of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-02 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$990.00} XXXX  Date Opened XX/XX/XXXX Balance {$8000.00} XXXX  Date Opened XX/XX/XXXX Balance {$16000.00} XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/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 2025-02-02 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: FL

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account has been payed off and is being placed in my credit report as late payment. Company doesnt want to make the changes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account has been payed off and is being placed in my credit report as late payment. Company doesnt want to make the changes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This account has been payed off and is being placed in my credit report as late payment. Company doesnt want to make the changes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery was disputed back in XXXX of 2023 due to my information being shared falsely/unknowingly without my consent and I would like it removed from credit report because I'm not sure if it's accurate or not.

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

Complaint narrative:
I am writing to file a formal complaint regarding the failure of the credit reporting agencies Transunion, Equifax and Experian to properly investigate and remove an account from my credit report that does not belong to me. Despite multiple dispute attempts and my clear assertions that the account is fraudulent, the credit bureaus have failed to take appropriate action and have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Background Information : Account in question : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Current status of dispute : unresolved remains on my credit report FCRA Violations by Credit Bureaus XXXX Under the FCRA XXXX credit bureaus are legally required to conduct a thorough investigation within 30 days of receiving a consumers dispute. However, despite my clear and documented dispute efforts, the credit bureaus have repeatedly failed to : Conduct a proper investigation of the account, as required by Section 611 of the FCRA.

Remove the account from my credit report, despite the fact that I have provided sufficient evidence that the account does not belong to me. 
Provide a written explanation or proper documentation regarding their findings or any evidence they used to substantiate their conclusions. 
Additionally, I have received either incomplete responses or no responses at all from the credit bureaus, which is a clear violation of my rights under Section 609 of the FCRA to receive an accurate investigation and the results thereof.

My Rights Under the FCRA : Section 607 ( a ) of the FCRA mandates that the credit bureaus ensure the accuracy and completeness of the information reported. The presence of an account that does not belong to me is a clear violation of this requirement.

Section 611 ( a ) requires credit bureaus to investigate disputes thoroughly and within 30 days. Their failure to act properly within this timeframe is unlawful.

Section 609 ( a ) guarantees my right to receive the results of any investigation, including documentation of evidence used in their determination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
My cash app account has been closed for non descriptive reasons.the only answer I have received from them was I violated some terms of the app however they did not specify what those terms were.i filed my taxes through the app in XXXX XXXX never received my tax return and after my cash app was shutdown I could no longer have access to see what happened to my tax return.i can still log onto the app however it does not provide me with the information I am looking for as far as my tax return information.cash app does not provide the information to let you know what terms was violated.its very frustrating when you need your tax information from a place that has no customer service provider or number other than chatbots of the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission of proof, Equifax responds stating that 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-002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and providers consumers with necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX failure to XXXX proper investigations. Specifically, in a lawsuit filed against XXXX XXXX XXXX CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian/Equifax : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, l expect XXXX XXXX XXXX this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX XXXX XXXX comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: CA

Complaint narrative:
I am filling this complain regarding an inaccurate item 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 this item as it is incorrect and does not reflect my true credit history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I initially disputed an inaccurate charge-off from XXXX XXXX XXXX XXXX XXXX ) on my Equifax credit report. After Equifax failed to provide proper verification within the required 30-45 day FCRA dispute timeline, I filed a CFPB complaint to escalate the issue. 

Timeline of Events : XXXX. XX/XX/XXXX : I first disputed the charge-off with Equifax, requesting verification. 
XXXX. XXXX - XX/XX/XXXX : Equifax failed to verify the debt or remove the charge-off. 
XXXX. XX/XX/XXXX : I filed a CFPB complaint due to Equifaxs failure to respond within the legal timeframe required by the Fair Credit Reporting Act ( FCRA ). 
XXXX. XX/XX/XXXX : Equifax responded through the CFPB, stating : THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. 
This was a direct acknowledgment that the charge-off should no longer be on my credit report. 
XXXX. XX/XX/XXXX : Despite Equifaxs CFPB response, I pulled my most recent Equifax credit report and the charge-off was still listed. 
XXXX. XX/XX/XXXX : I contacted Equifax customer service and spoke with a supervisor, her name is ( XXXX XXXX ID # XXXX XXXX of consumer affairs at XXXX on XX/XX/XXXX ). She confirmed that the charge-off was still reporting and refused to escalate the issue. She told me to file another CFPB complaint, which brings me to this submission. 

Equifaxs Violations of the FCRA 1. Failure to Verify Debt in a Timely Manner : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to complete an investigation within 30-45 days. They did not provide proper verification before my first CFPB complaint.

2. Providing Conflicting Information : Equifax told the CFPB that the charge-off is not currently reporting, yet I have proof that it is still on my credit report.

3. Failure to Correct Inaccurate Information : Even after confirming that the charge-off should be removed, Equifax has not corrected my credit report, violating 15 U.S.C. 1681e ( b ) ( the requirement to ensure maximum accuracy in credit reporting ).

Company response to consumer: Closed with explanation