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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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  As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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: NJ

Complaint narrative:
I am submitting a formal complaint against XXXX for their failure to conduct a proper investigation into my disputes regarding inaccuracies in my credit report. Despite my repeated submissions, XXXX consistently responds within 24 hours, asserting that the account is accurate without providing any evidence of a thorough investigation. 

This practice is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes raised by consumers. Additionally, XXXX 's actions may also infringe upon the Consumer Financial Protection Act ( CFPA ), as outlined in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This concern has been emphasized in the recent administrative proceedings by the Consumer Financial Protection Bureau ( CFPB ) .I urge the CFPB to publish this complaint so that others may learn from my experience and understand their rights regarding credit report disputes.

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: 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: NJ

Complaint narrative:
I am submitting a formal complaint against XXXX for their failure to conduct a proper investigation into my disputes regarding inaccuracies in my credit report. Despite my repeated submissions, XXXX consistently responds within 24 hours, asserting that the account is accurate without providing any evidence of a thorough investigation. 

This practice is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes raised by consumers. Additionally, XXXX 's actions may also infringe upon the Consumer Financial Protection Act ( CFPA ), as outlined in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This concern has been emphasized in the recent administrative proceedings by the Consumer Financial Protection Bureau ( CFPB ) .I urge the CFPB to publish this complaint so that others may learn from my experience and understand their rights regarding credit report disputes.

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

Complaint narrative:
I am filing a complaint against Cash App XXXX 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: EQUIFAX, INC.
State: IN

Complaint narrative:
These are the accounts I have marked inaccurate : 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

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully request the prompt removal of these unapproved inquiries from my credit report, as they are adversely affecting my eligibility for loans and access to credit. Furthermore, I would appreciate any documentation or confirmation once this issue has been addressed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding an accuracy in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025 CFPB 0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide provides consumers with the necessary proof of investigation. These are the following accounts that I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: NJ

Complaint narrative:
I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Ive made several attempts to dispute debts on my credit due to inconsistencies with the collectors. Specifically, 3 debts were suppose to be discharged or removed as they were previously settled.

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: CA

Complaint narrative:
I have tried correcting information on my credit report with no success. The agency has failed to provide any information regarding my disputes and do not fully investigate and does not provide method of verification for the 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 2025-01-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 


In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not been able to obtain a copy of my credit report and score as my right annually from transunion, XXXXXXXX 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: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Theres a few inaccuracies on my report and this is one. This account has been closed since XX/XX/year> and has been reporting missed payments on my credit. This particular account is negatively impacting my credit and I would like it removed to insure a more positive outcome in obtaining credit. Here is the account I would like for you to verify as accurate : Credit Acceptance corporation

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Closed my card out of the blue. XXXX card shows locked, inquired and was told routine security check I will be getting an email tomorrow and spending can resume as normal. Clearly started I have no problems or issues I unknowingly ran into. Account manage clearly stated account is good willl receive email tomorrow investigation complete. 

Next day my card fully closed. I call in first two lines of people cant tell me anything because they cant see all the information but Im not able to ask for a review on my account. Get to highest level manager you can in accounts, states theres no reason she can see this account was even paused. Theres zero reason why in the notes. Theres no violations of yhe customer agreement. My disputes have evidence with them and have already been decided in my favor Im just waiti g on money to return. Manager submits account notes and a special sheet or report to the back office to reconsider my account. Thats Friday I will recieve a call on Tuesday for sure. Its not Friday I havent heard anything and again I went to the highest management possible in card same exact thing can not see any violations does not make sense to the manager. She receives the report filed and filed a second one. 


I now owe them ontop of closing my account XXXXXXXX XXXX because my disputes magically arent adding to my balance either and I need to pay off outstanding amount even though Ive been there 6 years never a single missed or late payment not one! My account is also still approving charges how is that possible like Im getting email of receipts

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: IL

Complaint narrative:
I am filing this complaint regarding the inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve these directly, they remain unresolved, I request immediate investigation and removal of all negative items, as they are incorrect and do not reflect my true credit history.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax for failing to accurately update and investigate my credit report despite multiple attempts to rectify errors from the years XXXXXXXX XXXX XXXX 
The following accounts are reporting as charge off. 
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 Consistent Misreporting : Equifax has consistently reported my account as `` CO '' ( Charge-Off ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, without updating the payment history accurately. 
Incorrect Monthly Charge-Off Reporting : Equifax has incorrectly reported the account as a charge-off ( CO ) each month. A charge-off is a one-time event, and continuously reporting it each month is inaccurate and violates standard credit reporting practices. 
Lack of Resolution : Despite reaching out to Equifax multiple times, I have not received a satisfactory resolution or correction to these inaccuracies. 
Latest Violations : Despite the CFPB 's recent order requiring Equifax to pay a XXXX XXXX XXXX for failing to conduct proper investigations of consumer disputes, Equifax has still not complied with the necessary corrections to my credit report. 
Request : I kindly request the CFPB to investigate Equifaxs handling of my credit report, enforce necessary corrections, and ensure that such discrepancies do not recur. These errors have significantly impacted my creditworthiness and have caused undue stress and financial hardship. 
Thank you for your attention to this matter.

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: EQUIFAX, INC.
State: CT

Complaint narrative:
My " myEquifax '' online STILL has absolutely no information on my Equifax credit report even though I have 6 credit card accounts that are valid and current. XXXX XXXXXXXX XXXX XXXX are reporting my information correctly and religiously yet Equifax has refused to do so. It should be noted, XXXX and XXXX does not force me to continuously verify information that was already verified! The last time Equifax reported my 6 credit card accounts was on XX/XX/year> that reflected a credit score of XXXX. This is not the first time I am dealing with this negligent anomaly from Equifax thru out the past 5 years. Furthermore, this anomaly ironically seemed to surface when I stopped paying for the site. 
Please be advised, I have already verified my identity and address with Equifax since up until XX/XX/scrub>XXXX  I could access my credit score and see my 6 credit card accounts on the myEquifax site. Therefore, to CONTINUALLY request the SAME information over and over to process is egregiously negligent. Equifax is purposely being defiant and extorting people by purposely withholding their credit information. I know of others who are having the same issue with myEquifax, yet once they subscribed, no additional verification was needed. What a coincident! Equifax is forcing people to subscribe by withholding their credit information!

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the inaccurate information regarding the XXXX XXXX account that appears on my credit report. Despite disputing this information on XX/XX/year>, the inaccurate details remain on my report. 

The account in question is : XXXX XXXX XXXX XXXX XXXX The information being reported is incorrect. I kindly request that this account be fully investigated and removed from my credit report entirely, as it is inaccurate and unfairly impacting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information reported and to investigate disputes within 30 days.

Company response to consumer: Closed with non-monetary relief