vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Complaint ( XXXX ) Equifax did not even care to do the proper investigation even after the cfpb sued them. They are willfully viloating the privacy act of 1974 and the fair debt collection practices act. They boldy said that they went to the furnsisher to verify the information but that is not an INDEPENDENT INVESTIGATION. PURSUANT 15 USC 6809 ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. They have not disclose the information and solely rely on the furnisher verification when they are also part of the fraud. Equifax is a business that makes money off on selling consumer information and it's not a BUREAU! ONLY THE CFPB. THEY HAVE NO REGARD OF THE LAW. THERE IS NO CONSEQUENCES FOR THEM EITHER. THEY DID NOT EVEN ACKNOWLEDGE MY COMPLAINT AND MY SETTLEMENT MONEY. IT WAS JUST A GENERIC RESPONSE. THEY DONT CARE ABOUT THE HARM THEY ARE DOING TO THE PUBLIC AND CONSUMER WHILE PROFITING. EQUIFAX IS PUTTING MY LIFE IN DNAGER AND MY LIVING HOOD. THEY ARE ENAGAGING IN IDENTITY THEFT AND CONSIPIRING WITH CREDIT CARD COMPANIES. MY PEROSNOAL INFORMATION IS SENSITIVE LIKE MY SOCIAL SECURITY NUMBER, MY NAME AND MY FINACIAL TRANSACTION AND ADDRESS. ANYONE CAN HAVE ACCESS TO MY INFORMATION WITHOUT MY CONSENT. RESPONDING WITH A RIDICULOUS RESPONSE SHOULD NOT BE ALLOWED. THEY DIDN'T PROVIDE ANY PROOF AND VALIDATION OF THE DEBT. WAHT LAW ALLOWS THEM TO DO THIS? I STATED THE LAW IN MY COMPLAINT WITH PLAIN ENGLISH AND THEY HAVE YET TO BACK UP THEIR REPOSNE WITH LAWS JUST BECAUSE THEY SAY SO OR SOME OTHER COMPANY SAID SO. RIDICULOUS! PLEASE HELP ME CFPB MY LIVELY HOOD IN DANGER. THEY HAVE TOO MUCH POWER OVER A STRANGER INFORMATION. THEY HAVE NO FIRSTHAND KNOWLEDGE BECAUSE THEY WHERE NOT THERE. IT'S ALL HEARSAY! THEY NEED TO BE BANISHED!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: SC

Complaint narrative:
Sure, heres a template you can use : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute the following information in my credit report. This item is inaccurate and I am requesting that it be removed or corrected. 

Law USC 1692C -Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt f a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Please investigate this matter and delete or correct the disputed item ( s ) as soon as possible. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Per the clerk of court they do not report public information to the consumer credit agencies as you can see in this letter attached they make it clear that this is not done per my credit profile the bankruptcy are both being reported illegally which violates my rights as a consumer this needs to be investigated and deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Per the clerk of court they do not report public information to the consumer credit agencies as you can see in this letter attached they make it clear that this is not done per my credit profile the bankruptcy are both being reported illegally which violates my rights as a consumer this needs to be investigated and deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

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 mandate 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 proceedings ( 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 on investigation XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed highly inaccurate information on my Equifax credit report that is reporting information provided by XXXX. This information was serious discrepancies with monthly payments, monthly payment amounts, balances and other pertinent information. 

According to 15 U.S. Code 1681e, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Equifax is reporting balances that are different than what has been provided on my statements, payment amounts that are different than what has been provided on my statements and other errors.

Attached to this complaint is the information regarding such MAJOR inaccuracies. My rights have been violated according to 15 US Code 1681e and 15 US Code 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Filing a Complaint Regarding Unresolved Dispute with XXXX XXXX and Experian Regarding Civil Liability for Negligence Dear Sir/Madam , I am writing to file a formal complaint regarding unresolved issues with XXXX  XXXX and Experian related to charges stemming from a civil liability issue due to negligence. Below are the details of my complaint : Account Information : XXXX XXXX Account Name : XXXX  XXXX XXXX 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX 
XXXX XXXX Account Number : XXXX Dispute History : On XX/XX/XXXX, I initiated a dispute with Experian regarding inaccurate charges to my accounts. The charges stemmed from XXXX XXXX due to mistakes in billing. Despite filing the dispute with Experian, the issue has yet to be fully resolved, and I have received no satisfactory updates or corrections. 

Description of Issue : The charges applied to my XXXX XXXX accounts appear to be the result of negligence on their part. Despite my efforts to resolve this directly with XXXX XXXX and the dispute filed with Experian, the issue remains unresolved. I believe the negligence leading to these charges has not been addressed properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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 my mortgage payments set up on auto pay. I have never been late and my checking account shows that my payments have been made on a timely basis. I have called XXXX time starting in XXXX to have the issue resolved and they say each time that issue has been resolved on XXXX XXXX end. This issue first happened on XX/XX/XXXX when I received an alert that my credit score has went down from XXXX to XXXX due to a past due payment to XXXX XXXX for my XX/XX/XXXX payment. I called XXXX XXXX the next business day and they said I did make my payment but that it was applied to the incorrect account. The agent on the phone also confirmed that it was resolved and would not happen going forward. I also asked if they were going to fix my credit report and the XXXX XXXX agent stated that it would be corrected in the next 30 days. On XX/XX/XXXX I noticed that my credit report was not updated showing my payments were not past due and called an agent to ask why my credit report was not updated. The agent state that i need to submit a request in writing and then it would be updated. I also asked to confirm that no future payment issues would arise like with my XX/XX/XXXX payment. The agent said that yes it has been corrected. XXXX XXXX did update my the XX/XX/XXXX payment on my credit report but has now reported that id did not make my XX/XX/XXXX payment. I have attached my bank statement showing all of my past XXXX XXXX payment going back to XX/XX/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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a dispute to Equifax regarding the accuracy and verification of an account listed on my credit report : XXXX XXXX - XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a detailed description of the investigation process they conduct when a consumer disputes an account. However, Equifax has failed to provide such a description within the required XXXX period. 

Additionally, I identified discrepancies between Equifax 's report and those from other credit bureaus, raising concerns about the accuracy and completeness of the information being reported. Despite my request, Equifax has not provided documentation proving that the original creditor manually verified the account, as required under FCRA 15 U.S.C. 1681g and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Furthermore, since Equifax has been unable to properly verify this account, per 15 U.S.C. 1681i ( 5 ), the account should be deleted. Equifaxs continued reporting of unverifiable information constitutes a violation of the FCRA and damages my credit profile unjustly. 

Equifax 's failure to comply with its obligations has caused me financial and reputational harm, as inaccurate information remains on my report despite clear legal mandates requiring its removal if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Experian and TransUnion unlawfully reinserted previously deleted items on my credit report without proper notification, violating **15 U.S.C. 1681 ( a ) ( 5 ) ( B ) & 1681 ( a ) ( 6 ) ( B ) ( iii ) **. They failed to notify me in writing or by phone as required. I demand immediate removal and compliance with federal law. If not resolved, I will pursue legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reviewed my credit report, and I do not recall giving consent for this inquiry. According to the Fair Credit Reporting Act ( FCRA ), any credit inquiry made without my authorization is a violation of my rights, and I request that it be removed immediately. 
Please investigate this matter and provide confirmation of the removal of the inquiry from my credit report. If you need any further documentation or information contact me. 

Please see attachments for dates and name of companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reviewed my credit report, and I do not recall giving consent for this inquiry. According to the Fair Credit Reporting Act ( FCRA ), any credit inquiry made without my authorization is a violation of my rights, and I request that it be removed immediately. 
Please investigate this matter and provide confirmation of the removal of the inquiry from my credit report. If you need any further documentation or information contact me. 

Please see attachments for dates and name of companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I was scammed by a this guy offering a job. He was going to send me money to get cleaning supplies. He asked who I banked with and he already knew my name and everything. He send me XXXX checks I dont remember the amount but as soon as I deposited the checks on the app of golden XXXX I was logged out I couldnt get back into it I havent had my account for about 4 months now. The checks he told me to deposit were in my name. Golden XXXX said my account is being looked over and I have never heard from them since. I just want this all too be sorted out I dont know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I disputed an unauthorized collection account reported by PORTFOLIO XXXX ( Account Number : XXXX ) with TransUnion. The credit bureau responded stating that the account was verified or updated, but failed to provide sufficient documentation proving its validity. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable and thorough investigation when a dispute is submitted ( 15 U.S.C. 1681i ). However, TransUnion failed to provide : A copy of any signed contract that legally binds me to this debt. 
Payment records or transactional history verifying the accuracy of the account. 
Detailed communication with the creditor or collection agency confirming the reported information. 
Additionally, TransUnion has not conducted a manual verification, as required under XXXX XXXX Trans Union XXXX, and appears to have relied solely on an automated system like XXXX, which does not meet the standard of a reasonable investigation. 

Furthermore, I have requested documentation proving that the account was reported with a permissible purpose under XXXX XXXX. XXXX, but no such proof has been provided. 

Since TransUnion can not substantiate this account with proper documentation, retaining this information on my credit report is a violation of my rights under the FCRA and could constitute an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
Cashapp didn't have a live person to talk to when I had an issue with a money transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and under practices, which violate the consumer Financial Protection Bureau ( CFPB ). 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 theses violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX accounts that are more then 7 years old are still on credit report. These accounts are also paid and closed. 
Dept Of EducationXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
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 ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure Equifax 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