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: 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: FL

Complaint narrative:
FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ) Creditors and furnishers of information must report accurate and complete information. Reporting a charge-off while simultaneously attempting to collect as an active account is misleading and constitutes inaccurate reporting.

FDCPA 807 ( 2 ) ( A ) ( 15 U.S.C. 1692e ( 2 ) ( A ) ) It is unlawful for a creditor or collector to misrepresent the legal status of a debt. If the debt was charged off, it should not continue to be reported as active collection by the original creditor.

FCRA 605 ( a ) ( 4 ) ( 15 U.S.C. 1681c ) A charge-off remains on a credit report for seven years from the date of first delinquency. However, the creditor can not continue to update the status as if it is currently past due when it has been charged off. 

These are the accounts being illegally reported XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) A debt collector must validate a debt within 30 days of my request before continuing collection. If they fail to do so, they can not legally collect on it.

FDCPA 808 ( 15 U.S.C. 1692f ) Prohibits unfair practices, including attempting to collect a debt that is not legally owed due to incorrect assignment, lack of validation, or expiration under the statute of limitations.

FDCPA 813 ( 15 U.S.C. 1692k ) I have the right to seek damages if a collector is unlawfully attempting to collect on a debt they have no legal right to. 

Below are the accounts from XXXX agencies being illegally reported. 
XXXX XXXX XXXX XXXX XXXXXXXX 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have numerous unauthorized accounts on my credit reports that I didn't give consent Child support, inquiries that there is no accounts to verify connected to me trans union, Equifax, not reporting all accounts properly, Experian also aren't reporting properly improper 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 2025-02-02 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:
I submitted a dispute to Equifax regarding an inaccurate account reported on my credit file, specifically a XXXX XXXX account with discrepancies across the three major credit bureaus. Under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), Equifax is required to provide a detailed description of the investigation procedures conducted in response to a consumer dispute within 15 days of receipt.

Despite my formal request, Equifax has failed to provide a sufficient description of their investigative process, violating my rights under the FCRA. The account remains inaccurately reported with the following inconsistencies across Equifax, Experian, and TransUnion : Different account balances reported across bureaus. 
Conflicting last reported dates and date of last payment information. 
Varying past-due amounts and payment status. 
These discrepancies suggest that Equifax did not conduct a thorough investigation as required by the FCRA and failed to ensure maximum possible accuracy in my credit report under 15 U.S.C. 1681e ( b ). Furthermore, if Equifax can not properly verify this account, they are legally required to delete it under 15 U.S.C. 1681i ( a ) ( 5 ).

This lack of compliance has harmed my creditworthiness and financial standing.

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: Money was not available when promised — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app owes me money they kept saying they was sending it but never did

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: TX

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. XXXX ) 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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I sent Gulf Coast Collections a certified letter asking them to send me proof that I signed a contract with them and to show me where I owe them money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX sent me a letter stating that if I surrendered my car, they would remove the associated debt from my credit report. I followed their instructions, leaving the car and keys in the designated location. However, they did not retrieve the vehicle. 

By the end of XX/XX/XXXX, the city police department towed the car. I informed XXXX XXXX in XX/XX/XXXX, after being notified by the police. They then stated that I was responsible for paying the impound fees, despite the fact that I had surrendered the vehicle months earlier per our agreement. 

I have video evidence showing that I surrendered the car as instructed. However, every representative I spoke to has stated that they are unable to assist because the car was no longer in their possession. They had ample time to retrieve it but failed to do so. Now, the debt remains on my credit report in XXXX, which was not the original agreement. 

I request that XXXX XXXX honor the terms of the agreement by removing the debt from my credit report, as I complied with the surrender terms. Please investigate and resolve this matter I have the phone calls on recording I let them know it was recorded before it wont let me upload because its XXXX minutes.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have numerous unauthorized accounts on my credit reports that I didn't give consent Child support, inquiries that there is no accounts to verify connected to me trans union, Equifax, not reporting all accounts properly, Experian also aren't reporting properly improper investigation

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have numerous unauthorized accounts on my credit reports that I didn't give consent Child support, inquiries that there is no accounts to verify connected to me trans union, Equifax, not reporting all accounts properly, Experian also aren't reporting properly improper 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 2025-02-02 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: MD

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 removed the incorrect information and placed it back on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), if an account is removed due to a dispute ano later reinserted, I must receive a written notice within five business days explaining why it was added back. I have not received any such notice, which is a violation of my rights under the FCRA.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i recently pulled my consumer credit report and i found some items that i don't recognize and they appear to be inaccurate and the items are as follows XXXX & XXXX opened XXXX, XXXX XXXX XXXX XXXX opened XXXX, XXXX XXXX XXXX XXXX opened XXXX, XXXX XXXX XXXX XXXX. opened XXXX, XXXX These accounts that were obtained by you were not opened, made nor authorized by me. I have been a victim of identity theft which has resulted in hard inquires and collections being filed to my consumers report.i have also attached a copy of my FTC Identity Theft Report number # XXXX

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Equifax XXXX, GA Subject : Formal dispute regarding inaccurate information on my credit report. 
Dear Equifax I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. i am aware of my rights under the Fair Credit Reporting act and request a thorough investigation into these inaccuracies as required by federal law. 
Recently the consumer Financial Protection Bureau filed a lawsuit against Equifax for it's failure to properly investigate consumer disputes citing " sham investigations '' and other unlawful practices. These practices outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly, reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively, These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.

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: Block, Inc.
State: MO

Complaint narrative:
Cash App ( Block, Inc. ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Complaint and Demand for Compensation Due to Lost Funds To Whom It May Concern, I am writing to formally dispute the loss of my funds in the amount of {$1900.00}, which was sent via Cash App on XX/XX/XXXX, [ XXXX  ], as evidenced by the attached transaction records. Despite multiple attempts to resolve this issue through Cash Apps customer support, I have received no adequate resolution or refund. 

Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), Cash App is legally obligated to investigate and resolve disputes regarding unauthorized or erroneous transactions. Your failure to provide a timely resolution constitutes a violation of federal consumer protection laws. 

Furthermore, Cash App has faced multiple lawsuits for failing to properly investigate fraudulent transactions and unauthorized withdrawals, demonstrating a pattern of negligence and unfair business practices. If this matter is not resolved immediately, I will be forced to escalate my complaint by filing reports with the CFPB, the Federal Trade Commission ( FTC ), and state regulatory authorities, as well as exploring legal action. 

To resolve this issue, I demand the following actions : A full refund of {$1900.00} to my Cash App account or linked bank account. 
Compensation for financial harm, including any overdraft fees, penalties, or missed payments resulting from this issue. 
A written confirmation detailing the corrective actions taken to ensure such issues do not occur again. 
If I do not receive a resolution within 14 days, I will proceed with : Filing a formal complaint with the CFPB at www.consumerfinance.gov/complaint.

Reporting this issue to the FTC at www.reportfraud.ftc.gov. 
Consulting legal counsel to pursue compensation through a lawsuit based on violations of consumer protection laws. 
I expect an immediate and fair resolution to this matter. Please respond by [ XXXX 14 days from today ] to avoid further legal consequences. 

Sincerely, [ 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to notify you of Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 violations on my credit report and to request the immediate correction of these errors. 
XXXX. XXXXXXXX XXXX XXXX  Account number ; XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX  XXXX. 
account number : XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX. XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX The FCRA mandates that all information reported on my credit file must be accurate, verifiable and in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have previously requested verification of the debt in writing, yet the agency continues collection efforts and negative credit reporting without proper substantiation. Specifically, my complaints are as follows : 1. Failure to provide adequate validation of the debt upon my request.

2. Continued attempts to collect a potentially inaccurate or unverified debt.

3. Reporting inaccurate or unverifiable information to credit bureaus, harming my credit profile.

4. Engaging in harassing or misleading communication regarding the debt.

These actions violate my rights under federal consumer protection laws.

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: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> my card was stolen and used by someone I did not authorized. I submitted supporting documents and police report to Venmo. Venmo declined my claim for {$130.00} and {$160.00} from target but approved my transaction for {$40.00} which was part of this claim. If this was made by me then why would they approve the {$40.00} and not decline it. The person who stoled my card tried to use it multiple times. I am not sure why Venmo did not realize that when doing there investigations. This is not acceptable and needs to be reviewed by the consumer affairs as us Venmo customers have been declined and investigations have been conducted poorly.

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: NY

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 tak timely and effective measures to prevent a. address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am reporting identity theft regarding a fraudulent mobile account opened in my name without my consent. I was on my partners plan but transferred my number to a different provider when I left the relationship. My ex-partner fraudulently created a new account in my name, which was sent to collections by XXXX XXXX XXXX. I have never lived at the address XXXX sent on the attached XXXX bill as validation. This is a XXXX Account. 

I never authorized this account and request immediate removal from my credit reports. This is identity theft, and I am not responsible for this debt. XXXX XXXX XXXX must cease all collection activities, and the account should be permanently blocked from being re-reported. Please confirm the removal and necessary corrective actions. 

This statement is made under penalty of perjury, and I request urgent action. Contact me if further documentation is needed.

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: IL

Complaint narrative:
My name is XXXX XXXX, and I am reporting identity theft regarding a fraudulent mobile account opened in my name without my consent. I was on my partners plan but transferred my number to a different provider when I left the relationship. My ex-partner fraudulently created a new account in my name, which was sent to collections by XXXX XXXX XXXX. I have never lived at the address XXXX sent on the attached XXXX bill as validation. This is a XXXX Account. 

I never authorized this account and request immediate removal from my credit reports. This is identity theft, and I am not responsible for this debt. XXXX XXXX XXXX must cease all collection activities, and the account should be permanently blocked from being re-reported. Please confirm the removal and necessary corrective actions. 

This statement is made under penalty of perjury, and I request urgent action. Contact me if further documentation is needed.

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