vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: IN

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.

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 2025-01-26 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Texas, XXXX XX/XX/year> EQUIFAX CREDIT BUREAU Dispute Department XXXX XXXX XXXX, XXXX, GA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigation. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items, XXXX XXXX XXXX ( Flex Deposit TX ), XXXX, XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( XXXX  ), AD XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX TX ) 2.Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigations. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expected written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: SC

Complaint narrative:
Equifax and XXXX are ignorantly and fraudulently reporting a total of XXXX hard inquiries to my consumer report that I have no knowledge of. I requested for them to verify each inquiry and remove the ones that are not validated by me. I have also complained about my breach of information on behalf of Equifax and still no response since XX/XX/year>. I as a consumer trust that my information will be reported fair and correctly and I have been let down. According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
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 XXXX 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 administration 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Tried to update my personal information multiple times and they didn't proceed with my request

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 2025-01-26 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: Westlake Services, LLC
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i was a victim of identity theft and social security number with XXXX, equifax, XXXX  XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: IL

Complaint narrative:
Violation of Fair Credit Reporting Act ( FCRA ) by Experian and XXXX Improper Investigation of Credit Report Disputes To Whom It May Concern, I am submitting a complaint against Experian and XXXX regarding their failure to properly investigate and resolve disputes about inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
I have sent multiple dispute letters to both companies regarding the erroneous information listed on my credit reports. However, they have failed to conduct a reasonable investigation into my disputes ( 15 USC 1681i ). Correct or delete incorrect or outdated information ( 15 USC 1681c ). Reinvestigate the errors, even after they were flagged for removal ( 15 USC 1681s-2 ). Fail to respond to my dispute within the required timeframe. 
Furthermore, I was recently made aware of a CFPB lawsuit against both companies for similarly failing to conduct proper investigations into consumer disputes. The lawsuit alleges that these credit reporting agencies are improperly handling dispute investigations, potentially harming consumers ' access to credit, housing, and employment. Given this legal context, I believe my experience mirrors the issues the CFPB is investigating, and I am seeking, immediate correction of the inaccurate entries on my credit report. A proper investigation into the disputed items, in line with FCRA requirements. An explanation as to why the errors have not been rectified or investigated properly. Compensation or resolution for any harm caused by these incorrect reports, if applicable. The inaccurate accounts are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please confirm receipt of this complaint and provide me with updates on its status. I request a prompt resolution of this matter and ask for confirmation that the credit reporting agencies will comply with the FCRA moving forward. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: PA

Complaint narrative:
I am writing to bring to your immediate attention the concerning findings upon reviewing my credit report. After a thorough examination, I have discovered a significant amount of inappropriate, misleading, inaccurate, and incomplete information that has been reported. This distressing situation has resulted in potential employers denying my applications, thereby placing my family 's well-being at risk. It is disheartening to realize that the very company entrusted with ensuring accuracy and fairness, as mandated by the Fair Credit Reporting Act under 15 U.S.C. 1681e, has allowed such unacceptable information to be included in my credit report.

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 2025-01-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX .... Has violated my rights 15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Sections states : No consumer reporting agency may make any report containing any of the following items of information. Any other adverse item of information, other than records of convictions and crimes which antedates the reports by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Subsection ( B ) : A furnisher shall not furnish information about a consumer to any CRA if the consumer has notified the furnisher that the information is inaccurate, and the information is, in fact, inaccurate.

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 2025-01-25 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: FL

Complaint narrative:
I am writing to file a complaint regarding inaccurate credit report information. Specifically, I am concerned about collections and charged off accounts that appeared on my credit report. 

The information reported by : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These negative accounts don't appear to be mine and are inaccurate, as required by 15 U.S.C. 1681i, which mandates the reporting agencies to ensure the accuracy of information. I have also attempted to resolve this issue directly with Experian but have not received a satisfactory response. 

I request that the CFPB investigate these fraudulent accounts and facilitate their immediate removal from my credit report. These accounts do not belong to me, and under 15 U.S.C. 1681i, the credit bureaus are required to investigate and correct any inaccurate or fraudulent information on my credit report. 

I request that the CFPB investigate this matter and facilitate the removal of the inaccurate information from my credit report as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the XXXX. Specifically Cash App failed to take timely and effective 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 EFTA and Regulation E. These actions have caused significant inconvenience and financial loss and i seek redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX and XXXX Subject : Dispute of Civil Liability for Negligence and Inaccurate Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute an entry on my credit report related to the civil liability under section 1681O, specifically concerning negligence in reporting accurate information and its negative impact on my credit history. The information reported contains inaccuracies regarding late payments, inquiries, and the resulting credit score, which is significantly damaging to my financial standing. 

The erroneous reporting of these items has caused my credit score to be negatively affected, making it challenging to secure favorable terms on loans, credit cards, and other financial opportunities. I believe this inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must maintain accurate and complete information in consumer reports. 

Specifically, I dispute the following inaccuracies : 1. **Late Payments : ** The record of late payments reported is incorrect. [ Provide details of the specific accounts and dates where the late payment is noted but was either not late or should not be reported. ] 2. **Inquiries : ** There are several unauthorized or outdated credit inquiries on my report. These inquiries were either not initiated by me or are beyond the permissible time frame for reporting. 

3. **Credit Score Inaccuracies : ** The reported credit score is not reflective of my actual credit standing. The discrepancies in reporting late payments and inquiries have directly caused an inflated negative impact on my credit score. 

I request that these errors be thoroughly investigated and corrected as soon as possible. Please provide me with written confirmation of the results of your investigation and a revised copy of my credit report once the necessary amendments have been made. 

In accordance with Section 1681i of the Fair Credit Reporting Act, I expect that you will complete your investigation of this dispute within 30 days. If the inaccuracies are not corrected, I will consider pursuing legal action under section 1681O for civil liability related to the failure to report accurate information. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: LA

Complaint narrative:
XXXX and Experian Subject : Dispute of Civil Liability for Negligence and Inaccurate Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute an entry on my credit report related to the civil liability under section 1681O, specifically concerning negligence in reporting accurate information and its negative impact on my credit history. The information reported contains inaccuracies regarding late payments, inquiries, and the resulting credit score, which is significantly damaging to my financial standing.

The erroneous reporting of these items has caused my credit score to be negatively affected, making it challenging to secure favorable terms on loans, credit cards, and other financial opportunities. I believe this inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must maintain accurate and complete information in consumer reports. 

Specifically, I dispute the following inaccuracies : 1. **Late Payments : ** The record of late payments reported is incorrect. [ Provide details of the specific accounts and dates where the late payment is noted but was either not late or should not be reported. ] 2. **Inquiries : ** There are several unauthorized or outdated credit inquiries on my report. These inquiries were either not initiated by me or are beyond the permissible time frame for reporting.

3. **Credit Score Inaccuracies : ** The reported credit score is not reflective of my actual credit standing. The discrepancies in reporting late payments and inquiries have directly caused an inflated negative impact on my credit score. 

I request that these errors be thoroughly investigated and corrected as soon as possible. Please provide me with written confirmation of the results of your investigation and a revised copy of my credit report once the necessary amendments have been made. 

In accordance with Section 1681i of the Fair Credit Reporting Act, I expect that you will complete your investigation of this dispute within 30 days. If the inaccuracies are not corrected, I will consider pursuing legal action under section 1681O for civil liability related to the failure to report accurate information. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution. 

Sincerely, 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