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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$1100.00}

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: 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. 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 necessary proof of investigation. These are the accounts that I have marked as inaccurate ; 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

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
The law that governs credit reporting and disputes is the Fair Credit Reporting Act ( FCRA ), which is enforced by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Under the FCRA, when you file a dispute about an incorrect item on your credit report, the credit bureaus are required to : XXXX. Investigate the dispute : They must investigate your claim, typically within 30 days. 
XXXX. Provide a resolution : If they find the reported late payment is inaccurate or unverifiable, they must remove it. 
XXXX. Notify you of the results : Once the investigation is complete, they must provide you with the findings and update your credit report accordingly. 

The creditor ( or data furnisher ) is also obligated to ensure that the information they report to the credit bureaus is accurate. If they can not verify the late payment during the investigation, the credit bureaus must remove it. 

If the dispute isnt resolved in your favor, you can also ask for a statement of the dispute to be added to your credit report or appeal the decision with the credit bureau. 

The Account ( XXXX XXXX XXXX XXXXXXXX was opened an XX/XX/XXXX an reported a over drawn an immediately ask for the account to be removed XX/XX/XXXX multiple times an it was closed for me to make payments on it an reported late for last XXXX  months of it being closed thats reporting late payments violating my credit rights it should stop reporting after the account has been charged which was this a false information. An inaccurate information that violated. My rights several times an. I request more them XXXX  days. Nothing was removed an I continue to still have my rights violated by By XXXX XXXX XXXX as of today XX/XX/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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
The law that governs credit reporting and disputes is the Fair Credit Reporting Act ( FCRA ), which is enforced by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Under the FCRA, when you file a dispute about an incorrect item on your credit report, the credit bureaus are required to : XXXX. Investigate the dispute : They must investigate your claim, typically within 30 days. 
XXXX. Provide a resolution : If they find the reported late payment is inaccurate or unverifiable, they must remove it. 
XXXX. Notify you of the results : Once the investigation is complete, they must provide you with the findings and update your credit report accordingly. 

The creditor ( or data furnisher ) is also obligated to ensure that the information they report to the credit bureaus is accurate. If they can not verify the late payment during the investigation, the credit bureaus must remove it. 

If the dispute isnt resolved in your favor, you can also ask for a statement of the dispute to be added to your credit report or appeal the decision with the credit bureau. 

The Account ( XXXX XXXX XXXX XXXXXXXX was opened an XX/XX/XXXX an reported a over drawn an immediately ask for the account to be removed XX/XX/XXXX multiple times an it was closed for me to make payments on it an reported late for last XXXX  months of it being closed thats reporting late payments violating my credit rights it should stop reporting after the account has been charged which was this a false information. An inaccurate information that violated. My rights several times an. I request more them XXXX  days. Nothing was removed an I continue to still have my rights violated by By XXXX XXXX XXXX as of today XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX ( Bank ) XXXX I've only had wells fargo bank account also I've had state employee XXXX XXXX XXXX XXXX lived in North Carolina XXXX haven't had XXXX bank XXXX XXXX bank XXXX XXXX bank, XXXX XXXX XXXX XXXX IVE NEVER OPENED THESE ACCOUNTS ON MY OWN NOW I CANT GET A BANK ACCOUNT. Can we please resolve this asap.

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: WI

Complaint narrative:
( 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: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 — Old information reappears or never goes away
Company: EQUIFAX, 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 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: OH

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. 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.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Someone signed up for an Experian XXXX Checking account on XX/XX/XXXX with my name and e-mail address and there's no way to resolve the issue. I'm concerned the account was opened for fraudulent purposes. I tried several different phone numbers and online forms which only lead to automated systems incapable of resolving the issue.

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: CL Holdings LLC
State: OH

Complaint narrative:
15 USC 1681i ( a ) 1 challenges the 30 day response time 15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol 15 USC 1681i ( a ) ( 5 ) B challenges reinsertion protocols

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$990.00} XXXX Date Opened XX/XX/XXXX Balance {$8000.00} XXXX Date Opened XX/XX/XXXX Balance {$16000.00} XXXX CPS ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX CARS LLC ( Auto ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX 2024

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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$870.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$210.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} -Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} -Collection XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$870.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$210.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} -Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} -Collection XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: CA

Complaint narrative:
I am filing a formal complaint against Equifax and Transunion for their failure to properly investigate and remove fraudulent accounts from my credit report despite multiple disputes. I have been a victim of identity theft in both XXXX and XXXX, and my personal information was exposed in a data breach. These accounts were fraudulently opened in my name and do not belong to me. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally required to conduct a reasonable investigation and remove inaccurate or fraudulent information within 30 days. Despite providing all required documentation, Equifax and TransUnion have failed to remove these fraudulent accounts, harming my credit standing and financial stability. 

Fraudulent Accounts That Should Be Removed from Equifax : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX Fraudulent Accounts That Should Be Removed from Transunion : XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX Equifax and Transunion have failed to comply with the FCRA 's dispute resolution process, leaving fraudulent accounts on my report despite clear evidence of identity theft. I request that the CFPB take immediate action to : Thank you for your attention to this serious 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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: TX

Complaint narrative:
I could order card app wouldn't let me cash app tried notifying them on line their was a problem i needed to purchase use money but without card working no one on live to help it was hell i went thru a lot just to get the issues resolved what im complaining about is why their no one live to help why why did i have struggle moving money just pay or purchase when they should have someone their to help

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report, as my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 entitle me to accurate reporting. Upon reviewing my credit file, I found several discrepancies that must be corrected immediately. 

Disputed Information : XXXX. Personal Information Errors : Incorrect names : My report lists multiple variations ( XXXX XXXX XXXX and XXXX XXXX ). Only [ XXXX XXXX ] is accurate. 

Incorrect birthdate : My correct date of birth is [ XXXX ], but my report lists XXXX must be fixed. 

Incorrect addresses : Remove : XXXX XXXX XXXX, XXXX, TN XXXX XXXX, TN XXXX XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX Cross XXXX XXXX XXXX XXXX, XXXX, TN XXXX as I have not resided at these locations. 



XXXX. Inaccurate Account XXXX : XXXX Bank ( Account # XXXX ) ** XXXX balance inconsistencies ( {$6400.00} vs. {$6300.00} ). 

The credit limit is missing in XXXX report. 

The status says " XXXX, '' but I never received notice under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ). 


XXXX Bank ( Account # XXXX ) ** XXXX last payment dateone report states XX/XX/XXXX, another XX/XX/XXXX. 

Credit limit missing in XXXX report. 


XXXX XXXX Account # XXXX ) ** The account is inconsistently listed as XXXX and XXXX. 

The balance is reported as {$4300.00} in XXXX report and {$3500.00} in another. 


XXXX XXXX Bank ( Account # XXXX ) ** Remarks state Account disputed, yet no verification was provided under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ). 


XXXX XXXX XXXX ( Account # XXXX ) ** Possible duplicate collection. The FCRA prohibits listing the same debt multiple times. 




XXXX. Inquiries Not Authorized : Duplicate hard inquiry from XXXX ( Dates : XX/XX/XXXX & XX/XX/XXXX ). 

Hard Inquiries to Be Removed ( Unauthorized or Duplicate ) KTVAECU-PQ ( Duplicate Inquiry ) XX/XX/XXXX XX/XX/XXXX First XXXX Bank XX/XX/XXXX ( unauthorized ) WebBank/OneMain XX/XX/XXXX ( unauthorized ) TBOM/Milestone XX/XX/XXXX ( unauthorized ) Cap XXXX NA XX/XX/XXXX ( unauthorized ) Legal Basis for Dispute : Under 15 U.S.C. 1681i ( a ), I request that you investigate and correct these inaccuracies within 30 days or provide written evidence that verifies their accuracy. If these errors are not corrected, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for non-compliance.

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