vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

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. 16

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PAID IN FULL, INC.
State: WI

Complaint narrative:
I got a medical bill unpaid notice from PIF debt collectors in Arizona that was dated for a service they claim was two years ago. I've never seen this bill. I responded and asked for all the information about this bill, date of service, service provided, dates the bill was filed and denied by my insurance. They immediatly reported me to the credit bureau. I had one letter from them only. It was dated in XXXX that I received in XX/XX/year>. I could lose my job over this. Why wasn't I billed from the provider? Why didn't PIF give me this information? The services they are talking about were almost two years ago. They waited to send me a notice to get cash so I couldn't submit a claim to my insurance? Is this a scam? Fraud? Illegal? Any bills I have had my insurance has paid. I sent PIF a copy of letter that said I was insured. They won't remove the credit report for this medical bill that they can't give me information on. I have all the emails and can send copies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Final Demand for Removal of Inaccurate Information CFPB Case Reference Dear Experian Dispute Department, I am formally disputing multiple inaccurate and unverifiable items on my credit report, which remain despite previous disputes. The CFPB lawsuit against XXXX found that XXXX failed to properly investigate disputes and allowed incorrect information to persist, violating the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ). Given this legal precedent, I demand immediate action on the following be remove from my credit report as follows charge offs, auto repossession, collection account, and unauthorized hard inquires : As a consumer this the final notice under 15 U.S. Code 1681i, XXXX has 30 days to correct or remove these errors. Failure to comply will result in formal complaints to the CFPB, FTC, and potential legal action. I expect a written response confirming the removal or correction of these items. Thank you for your prompt attention and I hope you understand my frustration was a consumer working very hard to repair what was took away from me due to IDENTITY THEFT VICTIM. 

Sincerely, XXXX XXXX ( Enclosures : Credit report with disputed items highlighted, supporting documents if available )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Final Demand for Removal of Inaccurate Information CFPB Case Reference Dear Experian Dispute Department, I am formally disputing multiple inaccurate and unverifiable items on my credit report, which remain despite previous disputes. The CFPB lawsuit against XXXX found that XXXX failed to properly investigate disputes and allowed incorrect information to persist, violating the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ). Given this legal precedent, I demand immediate action on the following be remove from my credit report as follows charge offs, auto repossession, collection account, and unauthorized hard inquires : As a consumer this the final notice under 15 U.S. Code 1681i, XXXX has 30 days to correct or remove these errors. Failure to comply will result in formal complaints to the CFPB, FTC, and potential legal action. I expect a written response confirming the removal or correction of these items. Thank you for your prompt attention and I hope you understand my frustration was a consumer working very hard to repair what was took away from me due to IDENTITY THEFT VICTIM. 

Sincerely, XXXX XXXX ( Enclosures : Credit report with disputed items highlighted, supporting documents if available )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. XXXX has issued conflicting and misleading dispute results, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

Discrepancies in Dispute Results I have filed the following disputes regarding this account : 1. Report XXXX. XXXX ( XX/XX/year> ) Marked as verified and updated, despite no evidence being provided to substantiate the accounts validity. 2. Report XXXX. XXXX ( XX/XX/year> ) Also Marked verified and updated, and disputed item not listed on credit report, despite the account being present on my credit report before and after this dispute. The reports for XXXX clearly state that the disputed item was not listed on credit report, which is demonstrably FALSE. This account has never been removed and continues to negatively affect my credit report, making Experians response both inaccurate, misleading and causing me ongoing distress. Misrepresentation in Dispute Results : Reporting that the disputed items were not listed while it remains on my credit report violates the CFPAs prohibition on unfair and deceptive practices. I request that the CFPB take action to ensure XXXX, Transunion, 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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

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 I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. XXXX has issued conflicting and misleading dispute results, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

Discrepancies in Dispute Results I have filed the following disputes regarding this account : 1. Report XXXX. XXXX ( XX/XX/year> ) Marked as verified and updated, despite no evidence being provided to substantiate the accounts validity. 2. Report XXXX. XXXX ( XX/XX/year> ) Also Marked verified and updated, and disputed item not listed on credit report, despite the account being present on my credit report before and after this dispute. The reports for XXXX clearly state that the disputed item was not listed on credit report, which is demonstrably FALSE. This account has never been removed and continues to negatively affect my credit report, making Experians response both inaccurate, misleading and causing me ongoing distress. Misrepresentation in Dispute Results : Reporting that the disputed items were not listed while it remains on my credit report violates the CFPAs prohibition on unfair and deceptive practices. I request that the CFPB take action to ensure XXXX, XXXX, Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

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 correct 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 2025-01-30 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 a

m 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 los
s, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX BALANCED {$3000.00} XXXX XXXX XXXX BALANCED {$8300.00} XXXX ( XXXX XXXX : XXXX XXXX XXXX  ) XXXX BALANCED {$3500.00} XXXX  XXXX BALANCED {$1000.00} XXXX XXXX BALANCED {$1500.00} XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX BANK XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
Had a issue was not able to speak with a live person. Sent email or chat with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX  XXXX XXXX. This account was discharged in bankruptcy but is reported as open with an outstanding balance. 

Navy Federal Credit Union. I paid this account off, but the pay status lists the account as charged off. Check the Activity Designator and Comments fields. These XXXX fields show the account as paid. 

XXXX. The balance on this account is inaccurate. This is an auto loan account, and the automobile was repossessed. I voluntarily turned this car in. XXXX sold the car but did not credit my account and update the balance. 

XXXX XXXX XXXX. I did not apply for a loan with this company. The credit inquiry is illegal and must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America. This account was discharged in bankruptcy but is reported as open with an outstanding balance. 

XXXX XXXX XXXX XXXX. I paid this account off, but the pay status lists the account as charged off. Check the Activity Designator and Comments fields. These XXXX fields show the account as paid. 

XXXX. The balance on this account is inaccurate. This is an auto loan account, and the automobile was repossessed. I voluntarily turned this car in. XXXX sold the car but did not credit my account and update the balance. 

XXXX XXXX XXXX. I did not apply for a loan with this company. The credit inquiry is illegal and must 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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Nothing was solved with accounts after dispute with collections for the following : XXXX XXXX XXXX - $ XXXX NO ACTION TAKEN BY COMPANY XXXXXXXX XXXX XXXX XXXX NO ACTION TAKEN BY COMPANY XXXX XXXX XXXX XXXX INSURANCE SENT AND COMPANY STILL DID NOT REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than four business days after the date of receipt. I have attached my FTC report to prevent further stall tactics from TransUnion Inquiry needs to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief