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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against Equifax for failing to properly investigate inaccuracies in my credit report. Despite my repeated disputes and submission of supporting documentation, Equifax consistently responds within 24 hours, stating that the disputed information is accuratewithout providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of consumer disputes. Additionally, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent enforcement action ( File No. 2025-CFPB-0002 ) against them for similar misconduct.

Furthermore, Equifaxs negligence in maintaining accurate consumer records and failing to properly investigate my disputes constitutes a violation of 15 U.S.C. 1681o, which holds them liable for civil damages due to their failure to comply with FCRA requirements. Their continued disregard for federal law has caused me undue harm, including potential denials of credit and exposure to fraudulent activity. 

Disputed Information : Incorrect Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Incorrect Addresses : 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

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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate information on my credit report regarding my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX. Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681o, I am entitled to dispute any information that is incomplete or inaccurate, and I request that you investigate the following disputed entries on my credit report. 

Account Name/Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX ) Disputed Item ( s ) : Incorrect late/missed payments reported for the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I believe that these late/missed payments were reported incorrectly for the dates listed above. The payments were made on time, and I have supporting documentation to verify this. I kindly request that you investigate these entries and correct or remove them from my credit report. 

Enclosed are the following supporting documents to substantiate my claim : [ Insert any supporting documents, such as bank statements or payment confirmations ] Please conduct the investigation as required by 15 U.S. Code 1681i, and correct or remove the inaccuracies from my credit report. I request that you notify me of your findings and the actions taken within the 30-day period mandated by law. 

Should you require further information to complete your investigation, please contact me at ( XXXX ) XXXX or via email at [ Insert email if applicable ]. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/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 2025-02-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 please remove all unathorized and fradulent accounts and inquires 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT 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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
My account was terminated without an explanation, which did not give me the opportunity to release my funds into my bank account. According to ** XXXX Treatment of credit balances ; account termination** and ** XXXX Billing error resolution** of the Consumer Financial Protection Bureau regulations , I request that my funds be immediately released. They informed me that I can not access my account to retrieve my funds until XXXX, but I can not wait that long. I need my money now.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a formal complaint against Experian for failing to properly investigate inaccuracies in my credit report. Despite my repeated disputes and submission of supporting documentation, Experian consistently responds within 24 hours, stating that the disputed information is accuratewithout providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of consumer disputes. Additionally, Experian 's actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent enforcement action ( File No. 2025-CFPB-0002 ) against them for similar misconduct. 

Furthermore, Experians negligence in maintaining accurate consumer records and failing to properly investigate my disputes constitutes a violation of 15 U.S.C. 1681o, which holds them liable for civil damages due to their failure to comply with FCRA requirements. Their continued disregard for federal law has caused me undue harm, including potential denials of credit and exposure to fraudulent activity. 

Disputed Information : Incorrect Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Incorrect XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 2025-02-02 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 disputing the following unauthorized hard inquiry on my credit report. As per the Fair Credit Reporting Act ( FCRA ), this inquiry violates my federally protected rights under 15 U.S.C. 1681, including : 15 U.S.C. 1681 Section 602A : Establishes my right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Requires written authorization before a consumer report can be accessed.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the reporting of adverse information older than seven years.

15 U.S.C. 1681s-2 ( a ) : Prohibits the furnishing of inaccurate information if the furnisher has reason to believe it is incorrect. 
The following hard inquiry was made without my express written consent, and I request its immediate removal : XXXX XXXX XX/XX/year> I request that this inquiry be permanently removed within 30 days of receiving this notice. Failure to comply will result in legal action for non-compliance with federal law. 

Please send me written confirmation once this inquiry has been deleted. If you need further information, feel free to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: GA

Complaint narrative:
i have disputed with transunion many times they are not checking anything just sending back verified onemain account total car progressive payed XXXX dollars did not report on account reporting account close then open then close changing charged off dates etc to kill my credit score XXXX XXXX  account charge XXXX dollars for tag and title on the original contract car stolen etc sham investigation mariner finance doing the same thing to kill credit score i need original contract sent to me with my signature by email 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Formal Complaint Regarding Excessive Fees on My Account Dear TD Bank Customer Service, I am writing to formally dispute the excessive fees that have been charged to my account since its opening. Despite maintaining my account in good standing, I have been subjected to multiple unwarranted charges, including but not limited to : 1. Monthly maintenance fees 2. Charges for paper statements 3. Unjustified savings account fees These fees were not clearly disclosed at the time of account opening, nor were they properly communicated in a transparent manner. As a customer, I expect fair and reasonable banking practices, and I find these charges to be excessive and unfair.

I have attempted to review and understand these charges through my account statements, but they remain unclear. As a result, I am formally requesting a full refund of the unauthorized fees applied to my account. If this matter is not resolved promptly, and considering legal action.

I request that you respond to this complaint within with a resolution. Please provide a written explanation of these charges and clarify how they align with your advertised banking policies. If I do not receive a satisfactory response, I will proceed with filing an official complaint with federal regulators

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my 5th time disputing incorrect information on my report thats from fraudulent use of my personal information. I did not give Experian permission to add this incorrect data to my report. Ive spoken to XXXX and they refuse to tell me when and how the account was opened. If I have to sue XXXX for allowing somebody without proper identification to use my information I will. I will also sue Experian for reporting incorrect information per the fair credit reporting act. 
I keep calling to let them know XXXX XXXX XXXX XXXX was an address I used to receive mail but I never lived there or received any utilities there. They refuse to take the address off my report because theyre saying XXXX reported it but XXXX allowed the account to be opened under identity theft. I have attached documents to prove my address and Experian still wont remove the false information.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's 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 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: FL

Complaint narrative:
I was scammed on a dating app and tried to contact customer support and was not able too using cash 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: Improper use of your report — Reporting company used your report improperly
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **Credence Resource ManagementXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX : Account Number XXXX To Whom It May Concern : This letter is a formal request for debt validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing the validity of the debt you are attempting to collect and requesting the following information : 1. **Proof of Chain of Title** : Provide documentation proving that Credence Resource Management is authorized to collect on this debt. This must include a complete and clear chain of title demonstrating how the debt was transferred to your company.

2. **Signed Contract** : Provide a copy of the signed contract or agreement between myself and the original creditor that grants you permission to collect this debt.

3. **Payment History** : Provide a detailed, itemized list of all payments made on this account, including dates, amounts, and the entity to which payments were made.

4. **Insurance Claims** : Disclose any insurance claims filed or payments received related to this debt.

5. **Violations and Damages** : If any violations of the FDCPA or other consumer protection laws have occurred during your collection efforts, I demand {$1000.00} per violation as provided under 15 U.S.C. 1692k.

Under the FDCPA, you are required to cease all collection activities until you provide the requested validation. Failure to comply with this request within 30 days of receipt of this letter will result in further legal action.

Additionally, I demand that all communication regarding this matter be in writing and sent to the address above. Do not contact me by phone or email. 

This letter serves as notice that I am disputing this debt and requesting validation. If you fail to provide the requested information within 30 days, I will consider this matter resolved and will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney General, and any other relevant regulatory agencies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
Real estate loan for new building. I had to put collateral of everything I own. Now 6 years later building is worth more than the loan and bank will not release liens on other property so I cant sell my home or any property I own. I cant refinance it because the interest is so high I would lose more money. When I signed collateral the XXXX  of PNC bank told me I could sell properties and would be no problem to release them. She and PNC are liars and I have tried for 2 years to resolve this and they will not talk to me. I have no competent person in there conglomerate to even contact.

Company response to consumer: Closed with explanation