vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: NJ

Complaint narrative:
My current address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, so please remove the old address reported on my credit file, " XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX. '' Additionally, update my employer 's information to " XXXX XXXX XXXX. '' Please ensure that all my information is accurate and up-to-date on my credit file. This incorrect information violates the FCRA 's maximum possible accuracy requirement, and if it is not corrected after this dispute, you will be held liable for damages of at least {$1000.00} for willful noncompliance. I'm sure you understand the importance of maintaining accurate information on a consumer 's credit report.

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 2025-01-23 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XX/XX/XXXX) XXXX XXXX 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 2025-01-23 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 filing complaint against XXXX for failing to properly 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, Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MA

Complaint narrative:
XXXX 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 XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-23 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: IL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$960.00} XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$14000.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$730.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$860.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$550.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$940.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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
Consumer complaint received 2025-01-23 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: LA

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 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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against American Express ( Amex ) for failing to resolve a dispute concerning a {$20000.00} charge on my account. I was scammed by a fraudulent XXXX mentorship course and have provided Amex with substantial evidence to support my case, but they have denied my refund request. 

*Details of the Situation : * - *Date of Transaction : * XX/XX/year> - *Merchant Name : * XXXX XXXX - XXXX XXXX Dispute : * {$20000.00} - *Nature of Dispute : * Fraudulent transaction for a supposed Airbnb mentorship course, which turned out to be a scam. 
- *Evidence Provided to Amex : * I submitted a claim with Amex and they did not even ask me for any documentation in regards to this claim. I have documentation that shows that the merchant is not responding and not providing the service that I paid for. 

Despite this, Amex has closed down my claim. They did not even approach me or the merchant to ask for any information or even actually investigate the claim. 

I initially contacted Amex in good faith, providing all requested documentation to support my claim that the transaction was fraudulent. Despite offering clear proof of the scam and the deceptive practices of the merchant, Amex informed me that they would not refund the charge. They stated that I would have to contact the merchant to request a refund. This decision seems unjust given the nature of the situation and the evidence I submitted. 

I am extremely disappointed by Amexs lack of action, as I believe they have not adequately investigated or reviewed my case. I trusted Amex to provide protections against fraud and I now feel that they are not holding up their end of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Marcus stated they do not accept applications over the phone and they have no branches to apply in person. Requires internet access to use their financial services. I don't believe that is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I am writing to you about account ( XXXX XXXX XXXX XX/XX/year> ) because of the significant number of inaccuracies in this account, I believe it can not be properly corrected within the reasonable parameters of the Fair Credit Reporting Act. As a result, I am requesting that this account be deleted from my credit report entirely, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates the removal of disputed information that can not be verified or that contains multiple inaccuracies.

The continued reporting of this account, with its numerous errors, is a violation of my rights under the FCRA, and I request that it be removed in accordance with the law. The missing dates make the account incomplete or inaccurate, violating the FCRAs requirements for accuracy and completeness.

Under 15 U.S.C. 1681i ( a ), credit bureaus are obligated to conduct a reasonable investigation of disputed items, and if the information is found to be inaccurate or unverifiable, it must be corrected or deleted. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit bureaus ensure they report accurate and complete information. Given the volume of discrepancies within this account, I assert that the only appropriate remedy is the deletion of the account from my credit file. 

Due to the missing dates and the resulting incomplete information, I am requesting that this account be deleted from my credit report, as this violates the accuracy requirements of the Fair Credit Reporting Act ( FCRA ). If the missing data can not be provided or verified, the account should be removed in accordance with 15 U.S.C. 1681i ( a ). 

Account XXXX XXXX opened XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I came across the CFPB Experian lawsuit. 

I feel I was negatively impacted by XXXX and XXXX, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified but I dont see any details on this investigation. 

Do you want to be fined too? 

Come with the receipts, or be quick to delete.

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 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was notified about this debt by a law firm that rapidly filed a lawsuit against me and threatened to take everything I've worked for. After going to court XX/XX/year> both parties agreed & signed on a payment resolution. Now I've received a letter requesting fact information about my assets and finance. I requested information about this debt, has a profit loss been filed on this debt, payment history, and why is it showing in my credit report as a charge off before the lawsuit/settlement judgement was reached. I've gotten no response to those questions. I only was told either sign repayment agreement saying I won't come back to sue them & pay monthly installments of {$410.00} or no agreement and they take me back to court for more judgements against 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 explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block, Inc. 19 ) e to equa T ) ustomer 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 a was unfair XXXX deceptive, as they ca non '' k 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 2025-01-23 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: LA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion 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, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in theCFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  account XXXX XXXX XXXX Bank account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-23 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:
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 Experians 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
The reporting of this account is incorrect, as I still see a balance after it was charged off this situation may constitute a violation of the FDCPA.

I have not received a Form 1099 related to this account, which is a standard requirement for reporting debt cancellations or charge-offs. The absence of this form supports my assertion that the reporting on my credit report is erroneous and does not comply with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681 ( e ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the information in section 1637b was mailed to the consumer no later than 21 days. 

XXXX XXXX Credit Card - XXXX, XXXX, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XX/XX/year>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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to file a complaint against Midland Credit Management ( MCM ) for their failure to validate a debt as required by federal law and for continuing collection efforts in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint Alleged Debt Information : On XX/XX/year> I received a collection notice from Midland Credit Management, claiming I owed [ amount ]. 
On [ date ], I sent a written request to MCM for validation of the alleged debt under FDCPA Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ). I requested proof of the following : That the debt is valid. 
That I owe the alleged amount. 
Midland Credit Management is authorized to collect the debt. 
Midland Credit Management has failed to provide the requested validation or any supporting documentation. 
Unlawful Actions by Midland Credit Management : Failure to Validate Debt : MCM did not provide the legally required documentation to substantiate the debt. 
Continued XXXX Efforts : MCM continued collection activities, including contacting me and reporting the debt to credit bureaus, in violation of FDCPA Section 809 ( b ).

Potential FCRA Violations : Reporting an unvalidated and potentially inaccurate debt to credit bureaus violates FCRA Sections 623 ( a ) ( 1 ) ( furnishing accurate information ) and 623 ( a ) ( 5 ) ( handling of disputed information ).

Legal Basis for Complaint FDCPA Section 809 ( b ) : Debt collectors must cease collection activities until the debt is validated after a consumer disputes it in writing.

FCRA Sections 623 ( a ) ( 1 ) and 623 ( a ) ( 5 ) : Credit furnishers must ensure the accuracy of information they report to credit bureaus and must investigate disputes promptly and thoroughly. 
Impact on XXXX Midland Credit Managements actions have caused undue stress, harmed my credit score, and violated my rights as a consumer. Their refusal to validate the debt while continuing collection efforts has been both distressing and unlawful.

Company response to consumer: Closed with non-monetary relief
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 submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Cash App, operated by Block Inc., due to inadequate customer service and practices I believe to be unfair and potentially in violation of federal laws and regulations, including the Electronic Fund Transfer Act ( EFTA ) and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions under the Dodd-Frank Act. My experiences highlight serious concerns about the companys treatment of consumers, its handling of disputes, and its lack of transparency. these actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations

Company response to consumer: Closed with explanation