vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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 2025-01-24 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:
Dear TransUnion Dispute Department, I am submitting this letter to formally dispute several fraudulent accounts that have been reported under my credit profile. I have been a victim of identity theft, and I request an immediate investigation and removal of the following accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX The unauthorized reporting of these accounts violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681 Section 602 ( a ) Ensuring fair and accurate reporting of my credit information.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Protecting against unauthorized use of my credit information.

Please find attached documentation supporting my dispute, including a personal statement regarding my identity theft.

I request that you investigate and remove these accounts from my credit report promptly. If additional information is required, please reach out to 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 2025-01-24 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: CA

Complaint narrative:
My name is incorrect and should be under the initials XXXX and XXXX anything outside of that is incorrect. 

Also there are addresses relating to the state of XX/XX/XXXX that my information was used and identity was stolen. 

Also the city of XXXX, XX/XX/XXXX which ive never lived. 

Also a XX/XX/XXXX address, and a XXXX address in XX/XX/XXXXive never resided. Ive asked to have them removed and the bureaus will not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is incorrect and should be under the initials XXXX and XXXX anything outside of that is incorrect. 

Also there are addresses relating to the state of XX/XX/XXXX that my information was used and identity was stolen. 

Also the city of XXXX, XX/XX/XXXX which ive never lived. 

Also a rXX/XX/XXXX address, and a XXXX address in XX/XX/XXXX ive never resided. Ive asked to have them removed and the bureaus will not

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-24 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: MN

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: MA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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 ( FRCA ), 15 U.S.C S 1681i which mandates a reasonable investigation of dispute. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C SS 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are marked inaccurate XX/XX/XXXXAccount # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXXAccount # XXXX XXXX XXXX Account # XXXX XX/XX/XXXXXXXX Account # XXXX XXXXXX/XX/XXXXXXXX XXXX Account XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Account XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Account # 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 2025-01-24 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX when I paid my loan payment, Santander Consumer sent me a notice that I owed extra money after my contract would expire in XXXX of XXXX. I was reminded of this on XX/XX/XXXX. When I reached out to the company on XX/XX/XXXX I never heard back from the company. I was reminded on XX/XX/XXXX and reached out by phone and spoke with a customer service representative named XXXX on XX/XX/XXXX. I was told that I owe the extra money due to a natural disaster in XXXX. I stated that I believed this was incorrect and stated I would like an accurate amount. I was told this request would take 3 to 4 business days. I was also told that my payment was late although I paid it on XX/XX/XXXX which was 3 days before it was due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: OK

Complaint narrative:
I request your help in reviewing accounts from companies that have inaccurately reported late payments. Upon checking my credit report, I found some accounts with late payment remarks that should not be there. These accounts should reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX / BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX, NC XXXX Account # XXXX and Account # XXXX and Account # XXXX for failing to respond to my credit dispute within the legally mandated 30-day timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX they responded on XX/XX/XXXX, Bank of America and XXXX has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting.

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful.

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office.

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 

Thank you for your time and attention to this matter. 

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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Information : XXXX for failing to respond to my credit dispute within the legally mandated 30-day timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX and responded on XX/XX/XXXX, XXXX XXXX and Equifax has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting.

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful.

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office.

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
I am a consumer that routinely remits monthly payments by check to a financial institution that collects and processes consumer payments for thier corporate client using remote lockbox remittance processing facilities. It has been observed that latency exists between the Bank providing lockbox remittance processing and the eventual date that a debit posts to my consumer checking account and is eventually posted on my monthly statement from the corporate client. In attempting to investigage the latency it was observed that theXX/XX/XXXXXX/XX/XXXX is not endorsing or dating remittance payments for payments by check recieved and processed at thier XXXX XXXX, Nevada lockbox operations, making it difficult for the consumer to detect the chronolgical start of the banking audit trail when the check is first captured for payment by the XXXX XXXX XXXX XXXX. The lack of any clear, visible dated endorsement identifying the processing XXXX XXXX XXXX XXXX makes it difficult to understand the financial institutions involved ang analyze payment processing latency. The involved XX/XX/XXXXmay be : - Western Alliance Bank, or - XX/XX/XXXX - or other undetermined financial institution See attached supporting documentation for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Several emails stating that I owe for services I did not order

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I filed with your bureau a case for Equifax of unauthorized inquires in my credit profile. After that they sent me a letter asking for copies of my drivers license and social security card to verify mi ID and adress. 
On XX/XX/XXXX I've sent a certified letter with copies of the 2 pieces they asked me but instead of resolving the problem, they sent me another letter telling me " If you need a copy of your credit history you sould submit copies of your driver license and your social security " It looks like they are playing games with tha consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MN

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 2025-01-24 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Credit report shows inaccurate information as it has been on my credit report past 7 years. Is that not a violation of consumer credi

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Issues with fees being applied via zelle and delays in transferring money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: OK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-24 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: OK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-24 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: MS

Complaint narrative:
THERE ARE 3 ACCOUNTS REPORTING ON MY CONSUMER REPORT THAT ARE UNVERIFIED, INACCURATE AND ARE A VIOLATION OF THE FCRA. THESE ACCOUNTS ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND DIFFERENT & INACCRATE PAYMENT HISTORY IN THE MONTHS ON EACH ACCOUNT THAT IS REPORTING. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY FOR VILATION THE FCRA. ( XXXX XXXX XXXX ) ( XX/XX/XXXX XXXX ) ( 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 non-monetary relief