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: CA

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 proceedingthe account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

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

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 proceedingthe account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The account was with 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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
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 under FCRA and Consumer Law To Whom It May Concern,

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: AR

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 Regulations 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc
State: NY

Complaint narrative:
I signed up for Bright Money. They asked me to enter my bank information, which I did and few days later, they took money out of my account for yearly subscription. 

When I tried to cancel the subscription which I didnt sign up for, they referred me back to the app and had me take out my bank account information. I asked the customer service and getting a possible refund and they sent me this link to get refund. 

XXXX XXXX XXXXXXXX This link does not work!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint against Bank of America XXXX BofA ) regarding an unresolved fraud charge on my credit card. 

On XX/XX/XXXX, a fraudulent transaction of {$68.00} occurred at XXXX XXXX, which I reported within five minutes. I disabled my card immediately. The store employee confirmed the transaction was made using the tap-to-pay feature, which I was told is immune to fraud. My card was never lost, stolen, or given to anyone else. I suspect BofA activated an additional card with the same number as the card I had when I activated my own. Regardless, I can not be held liable for a transaction I did not authorize.

However, my credit card statement shows three entries related to this incident : - XX/XX/XXXX : Fraudulent transaction : + {$68.00} ( posted on XX/XX/XXXX ) - XX/XX/XXXX : " FRAUD DISPUTE '' : + {$68.00} ( posted on XX/XX/XXXX ) - XX/XX/XXXX : " FRAUD DISPUTE '' : {$68.00} ( posted on XX/XX/XXXX ) I was charged twice for the same fraudulent transaction, and when I called BofA on XX/XX/XXXX, the representative had no explanation. Furthermore : - I was never notified of the second charge. 
- There's no option to dispute this transaction on the app or website. 
- I was never informed about the resolution of my fraud dispute or the outcome of the investigation. 
- The fraud dispute letter was never mailed to me nor made available online. 

This lack of communication and transparency has caused confusion and inconvenience. I am concerned these charges may impact my credit standing.

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 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX ) In XX/XX/XXXX I visited XXXX XXXX on a business trip. During that trip my identity and credit card information appears to have been used without my knowledge or participation. 
XXXX ) American Express and XXXX XXXX XXXX were informed that my credit cards had been used without my authorization. Prior to this incident, there had been no prior instances of delinquency or fraud on any of my accounts. 
XXXX ) American Express account number : XXXX XXXX ) XXXX XXXX XXXX account number : XXXX XXXX ) XXXX XXXX XXXX account number : XXXX XXXX ) I made several complaints about the fraudulent charges on my accounts and in my name, filed grievances, sought verification for the source of these charges, and asked the company and credit bureau to validate this debt. 
7 ) Currently, more than six years have passed since this incident occurred and my credit score and consumer report reflect a debt that is blatantly fraudulent, and nothing is being done to resolve the issue.

8 ) Under 26 USC 165, and 26 USC 6050P and IRS regulations 1.6050P-1 these actors admit that they took a deduction for Loss Income while having never issued a 1099 ( c ), which is legally mandated.

9 ) These entries on my credit report have a direct correlation to several lost employment opportunities, denials of funding for business projects past and currently active, and reputational harm that can not be easily calculated into a dollar amount.

10 ) I have sent numerous certified mail letters and neither XXXX, XXXX, or XXXX have conducted a validation of debt despite my asking several times, and having documentary proof that I am not involved responsible for the debt. 
XXXX ) The debt is scheduled to be removed in XX/XX/XXXX, however, I am unable to have a security clearance issued, which affects job prospects and income, as a result of their inaction. 
12 ) The Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), makes it illegal to report inaccurate consumer information, and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that inaccurate information be removed immediately upon notice following an investigation. As this is an issue of identity theft, which began with international travel and personally identifiable information being compromised, under Section 605B ( 15 U.S.C. 1681c-2 ), this Information must be blocked within 4 business days and the credit reporting agency must cease reporting the information.

My personal life, and professional aspirations, are being curtailed due to a lack of compliance by the parties named above. This avenue is my only realistic means of having the appropriate agency intervene to end this flagrant violation of Federal and States laws for protection of consumer reporting.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Charge-Off Accounts on Credit Report Due to Identity Theft Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally dispute several inaccurate charge-off accounts listed on my credit report due to suspected identity theft. I believe that these accounts do not belong to me and violate my consumer rights under the XXXX XXXX, specifically 15 U.S. Code 6801, which mandates the protection of personal financial information and the prevention of identity theft. 

The following charge-off accounts appear on my credit report from TransUnion and are detailed below : XXXX XXXX XXXX Status : CLOSED_CHARGE_OFF Date : XX/XX/XXXX Balance : {$10000.00} Account # : XXXXXXXX XXXX  Status : CLOSED_CHARGE_OFF Date : XX/XX/XXXX Balance : {$750.00} Account # : [ Account Number ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$10000.00} Account # : [ Account Number ] XXXX Bank Status : XXXX XXXX : XX/XX/XXXX Balance : {$750.00} Account # : XXXX First XXXX Bank Status : CLOSED_CHARGE_OFF Date : XX/XX/XXXX Balance : {$1000.00} Account # : XXXX First XXXX Bank Status : CLOSED_CHARGE_OFF Date : XX/XX/XXXX Balance : {$960.00} Account # : XXXX First XXXX Bank The inaccuracies present in my credit report are damaging to my financial reputation and run counter to my rights as stipulated in both the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which guarantees individuals the right to dispute inaccurate information. Furthermore, identity fraud is a violation of my consumer rights, as per the identity theft protections under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
hey so Ive been using the service cashapp for as long as I can remember & at first it was very convenient & useful but over the past few years Ive had numerous unexplainable fraudulent transactions on my account ( s ) that resulted in my accounts being closed without any reasonable explanation. I then reached out to customer service & had no resolution to why they closed my account ( s ). I had about 4 cashapp accounts & every single one of them was closed & was overly withdrawn.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have i quirked from equifax, TransUnion and Experian that do not match any open accounts. 
I tried multiple times to have the companies remove the inquires from my report but they have not done so. Even after telling me they would. 

TRANSUion ( only XXXX ) Equifax I should not have inquires from you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: SC

Complaint narrative:
I requested that the information on my credit report be thoroughly investigated by XXXX.Also to send a copy of my credit report and the proof of findings when completed. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My attorney filed a chapter 13 bankruptcy and experian and credit karma keeps allowing the same collections agency 's to keep reporting collections on my account even though there is an automatic stay. In addition they keep allowing companies to report incorrect balances and refuse to remove them off my account. For example it even shows on my report that I have an active chapter 13 and they allowing the same collection companies to report debt that's included in my chapter 13 and refuse to remove it and it's caused my score go down over 150 Points

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: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
My attorney filed a XXXX XXXX bankruptcy and experian and XXXX XXXX keeps allowing the same collections agency 's to keep reporting collections on my account even though there is an automatic stay. In addition they keep allowing companies to report incorrect balances and refuse to remove them off my account. For example it even shows on my report that I have an active XXXX XXXX and they allowing the same collection companies to report debt that's included in my XXXX XXXX and refuse to remove it and it's caused my score go down over 150 Points

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im so fed up with this process! Please remove these accounts that are not mine. Not in 30 days, 45 day, or 60 days! 15 USC 1681 starters that any account that can not be verified or propelry investigated should be removed. The accounts numbers dont match and I can not get any information sent to me from aidvantage or retrieve results if these agencies investigations. They have been slow to move there feet on removing these items and honestly lying in my reports by saying that Ive even made payments on these loans and I have not done so. They are saying I made a payment in XX/XX/year> on XXXX and I did not and have been fighting to get these removed not only through aidvantage but also trom the XXXX agencies that are refusing to listen to federal law in this matter .it looks like XXXX XXXX them but the others have continued to not only leave them in place but lie to make it seem like I am making payments and I am not doing so.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im so fed up with this process! Please remove these accounts that are not mine. Not in 30 days, 45 day, or 60 days! 15 USC 1681 starters that any account that can not be verified or propelry investigated should be removed. The accounts numbers dont match and I can not get any information sent to me from aidvantage or retrieve results if these agencies investigations. They have been slow to move there feet on removing these items and honestly lying in my reports by saying that Ive even made payments on these loans and I have not done so. They are saying I made a payment in XX/XX/year> on one and I did not and have been fighting to get these removed not only through aidvantage but also trom the 3 agencies that are refusing to listen to federal law in this matter .it looks like XXXX XXXX them but the others have continued to not only leave them in place but lie to make it seem like I am making payments and I am not doing so.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im so fed up with this process! Please remove these accounts that are not mine. Not in 30 days, 45 day, or 60 days! 15 USC 1681 starters that any account that can not be verified or propelry investigated should be removed. The accounts numbers dont match and I can not get any information sent to me from aidvantage or retrieve results if these agencies investigations. They have been slow to move there feet on removing these items and honestly lying in my reports by saying that Ive even made payments on these loans and I have not done so. They are saying I made a payment in XX/XX/year> on one and I did not and have been fighting to get these removed not only through aidvantage but also trom the XXXX agencies that are refusing to listen to federal law in this matter XXXX looks like Experian removed them but the others have continued to not only leave them in place but lie to make it seem like I am making payments and I am not doing so.

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