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: 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 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 XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( 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. 

These are the accounts that I have marked inaccurate & I would like the reported accounts to be removed : XXXX  XXXX XXXX, XXXX, XXXX XXXX, and 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 2025-01-30 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: Experian Information Solutions Inc.
State: CA

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 XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( 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. 

These are the accounts that I have marked inaccurate & I would like the reported accounts to be removed : XXXX XXXX XXXX, XXXX, XXXX XXXX, and 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 2025-01-30 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:
CFPB COMPLAINT REGARDING SYSTEMATIC INVESTIGATION FAILURES RE : Failure to Properly Investigate TD Auto Finance Account Credit Bureaus : XXXX, Equifax, and XXXX RELEVANT CFPB ENFORCEMENT CONTEXT : The Consumer Financial Protection Bureau has recently taken enforcement action against XXXX for conducting " sham investigations '' of consumer disputes. The practices identified by CFPB in their action mirror the exact failures demonstrated in my case : XXXX. CFPB-Identified Industry Problems : Conducting inadequate " sham investigations '' Failing to address consumer disputes properly Reinserting disputed information without explanation Providing ineffective investigation results XXXX. Identical Violations in My Case : Generic " investigation complete '' responses No investigation of XXXXXXXX XXXX XXXX auto-pay setup failure Failure to address documented evidence of bank error Reinsertion of disputed information despite fee waiver evidence DOCUMENTED INVESTIGATION FAILURES : XXXX. Failure to Address Key Evidence : Ignored XXXX XXXX XXXX  fee waiver on XX/XX/year> indicating bank error Disregarded documented auto-pay setup issues Failed to investigate timing of delinquencies immediately after account opening Ignored evidence of bank 's XXXX in payment processing XXXX. Inadequate Investigation Response : No details of investigation methods No documentation of communication with XXXX XXXX XXXX No explanation of how bank errors were verified No response to specific dispute points about auto-pay setup XXXX. Pattern of Systematic Failures : Generic responses lacking specific findings No evidence of actual investigation into bank 's fee waiver Failure to address documented creditor errors in payment setup No verification of reported delinquency dates against bank records LEGAL REQUIREMENTS VIOLATED : Under FCRA ( XXXX U.S.C. XXXX ), credit bureaus must : XXXX. Conduct proper investigations of disputes XXXX Review and consider all relevant information XXXX. Provide detailed investigation results XXXX. Document investigation methods XXXX. Verify accuracy of reported information SPECIFIC VIOLATIONS : XXXX. Investigation Requirements : Failed to investigate XXXX XXXX XXXX fee waiver admission No evidence of review of payment setup documentation No verification of auto-pay enrollment attempts No explanation of investigation methods XXXX. Documentation Requirements : Failed to document investigation steps No record of XXXX XXXX XXXX communications No evidence of fee waiver review No explanation of conclusions XXXX. Notification Requirements : Generic responses lacking specific findings No explanation of verification methods Failed to address specific dispute points about bank error No documentation provided

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

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 violation

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: CORELOGIC INC
State: PA

Complaint narrative:
On XX/XX/2024 I noticed that XXXX had reinserted previously removed collection accounts and added unauthorized hard inquiries to my credit report without proper notification or verification. These actions violate the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to notify consumers before reinserting disputed accounts and to ensure the accuracy of the information being reported. 

I previously disputed and successfully had these collection accounts removed because they were either inaccurate, outdated, or did not belong to me. Despite this, XXXX unlawfully reinserted them on [ date of reinsertion ], damaging my credit score. Additionally, I discovered multiple hard inquiries on my report that I did not authorize, further impacting my creditworthiness. 

These reporting errors have caused financial harm, including [ mention any denied credit applications, higher interest rates, or other negative effects ]. Given the recent CFPB lawsuit against XXXX for similar violations, I believe this is part of a larger pattern of misconduct. 

I am requesting the following immediate actions : XXXX.Permanent removal of the reinserted collection accounts and unauthorized hard inquiries from my credit report. 

XXXXWritten confirmation that these accounts and inquiries have been removed and will not be reinserted without proper verification. 

XXXX.Correction of my credit score to reflect the removal of these inaccurate items. 

XXXXAssurance of compliance with federal laws, ensuring this issue does not occur again. 

Please resolve this matter promptly, as these errors are unfairly affecting my financial standing.

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 information incorrect
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
On XX/XX/year> I noticed that XXXX had reinserted previously removed collection accounts and added unauthorized hard inquiries to my credit report without proper notification or verification. These actions violate the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to notify consumers before reinserting disputed accounts and to ensure the accuracy of the information being reported. 

I previously disputed and successfully had these collection accounts removed because they were either inaccurate, outdated, or did not belong to me. Despite this, XXXX unlawfully reinserted them on [ date of reinsertion ], damaging my credit score. Additionally, I discovered multiple hard inquiries on my report that I did not authorize, further impacting my creditworthiness. 

These reporting errors have caused financial harm, including [ mention any denied credit applications, higher interest rates, or other negative effects ]. Given the recent CFPB lawsuit against XXXX for similar violations, I believe this is part of a larger pattern of misconduct. 

I am requesting the following immediate actions : XXXXPermanent removal of the reinserted collection accounts and unauthorized hard inquiries from my credit report. 

XXXXWritten confirmation that these accounts and inquiries have been removed and will not be reinserted without proper verification. 

XXXXCorrection of my credit score to reflect the removal of these inaccurate items. 

4.Assurance of compliance with federal laws, ensuring this issue does not occur again. 

Please resolve this matter promptly, as these errors are unfairly affecting my financial standing.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXX ( a ) ( XXXX ). 
According to XXXX XXXX XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXX ( a ) ( XXXX ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXX ( a ) ( XXXX ), no person shall 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. Additionally, according to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I have applied for income-based repayment ( in XX/XX/year> ), Mohela has been processing the request for months. They keep taking me out of forbearance and trying to make me repay based on the XXXX repayment, when I should remain in forbearance until they process my application for income-based repayment. I have completed all paperwork to qualify as a XXXX XXXX. Mohela is unfairly billing me for their slowness in processing my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX et seq., I demand an immediate investigation and removal of this erroneous account within XXXX ( XXXX ) days, or I will pursue legal damages under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance. 
Inaccuracies and Violations : Settled Account Still Showing a Write-Off The account is reported as " Paid in settlement. '' Once settled, the balance should reflect as XXXX without any negative designation. This violates XXXX XXXX. XXXX ( b ), which mandates accurate reporting. 
Incorrect Payment History The payment history incorrectly lists " XXXX, XXXX, XXXX late payments '' in XXXX despite the account being settled and closed. This misrepresentation negatively impacts my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm JPMCBs right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under XXXX XXXX. XXXX ( a ), I demand the immediate deletion of this erroneous account. 
Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within XXXX ( XXXX ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within XXXX ( XXXX ) days from the receipt of this letter. 
Sincerely, 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( 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. 

These are the accounts I've marked as inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX BANK 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Unauthorized Hard Inquiry Dear Sir/Madam, I am writing to formally dispute a hard inquiry listed on my credit report that I believe to be unauthorized. The inquiry was made by XXXX XXXX XXXX XXXX on XX/XX/XXXX and I did not give my consent for this inquiry. According to the Fair Credit Reporting Act ( FCRA ), only creditors with whom I have applied for credit, insurance, or a loan may perform a hard inquiry on my credit report. I do not recognize this inquiry and believe it may have been made in error, or possibly due to fraud. I request that you investigate this matter, remove the hard inquiry from my credit report, and provide written confirmation of the removal. Please also inform me of the results of your investigation within XXXX  days, as required by law. Enclosed are any documents or information I have that may assist in resolving this issue. If you need further information, please feel free to contact me at the number or email listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XX/XX/XXXX

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1971, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Starmark Financial LLC
State: MO

Complaint narrative:
XXXX XXXX 's XXXX XXXX contacted my place of employment after being unable to contact me sometime this morning, XX/XX/year>. She did not identify herself as a debt collector. She kept attempting to discover my work schedule from my boss by asking questions that would have indirectly given it away. When my boss refused to cooperate, XXXX asked " Is the schedule you gave me for him correct? '' To which my boss replied, " I never gave you his schedule. '' XXXX replied " oh, okay. '' The call ended after this. My boss described her tactics as " incredibly suspicious '' and " unprofessional. ''

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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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