vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: AZ

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 ( XXXX submitted XX/XX/year> ), Equifax consistently responds within 24 hours stating that 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. 

Confirmation numbers of accounts reported inaccurate : 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 2025-02-11 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: NJ

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 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 2025-02-11 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: IN

Complaint narrative:
I am formally disputing these inaccurate accounts and inquiries that are currently listed on my consumer report. This information is harming chances of a healthy financial well-being. I am well aware of my rights under the Fair Credit Reporting Act. I request an investigation to cure these inaccuracies as required by federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-11 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: NJ

Complaint narrative:
Erroneous activity has been reported multiple times. It is imperative that any unauthorized item is removed within four business days. This process includes verifying my identity, submitting an identity theft report, identifying the relevant information, and confirming that the activity is unrelated to any of my transactions. 
XXXX XXXX XXXXXXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am filing a formal complaint against EverBank for their failure to properly address a XXXX transaction issue that has severely impacted my financial situation and well-being. 

On XX/XX/year>, my sister, who banks with EverBank, sent me money through XXXX. However, a week later, my banking institution, XXXX XXXX XXXX XXXX ( XXXX ), flagged the transaction as suspicious. XXXX initially claimed it was a general fraud concern, but later stated that my sister had placed a not authorized hold on the transaction. This claim is entirely false. 

My sister has repeatedly contacted EverBank, seeking clarification and proof that she did not initiate a reversal or fraud claim against the XXXX payment. Despite multiple attempts to resolve this issue, EverBank has failed to provide any written confirmation or manager intervention to correct the matter. 

As a direct result of EverBanks failure to provide this information, XXXX has restricted my account, leaving me unable to access my funds or conduct essential financial transactions. This has caused me extreme stress and physical hardship. 

XXXX has informed me that they require a formal correspondence from EverBank confirming whether the transaction was mistakenly flagged due to an internal error or if there was an actual dispute reported on my sisters behalf. Without this documentation, I am left in financial limbo, unable to regain control of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft XXXX XXXX XXXX XXXX Balance : {$4300.00} date open : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} date open : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft XXXX XXXX XXXX XXXX Balance : {$4300.00} date open : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} date open : XX/XX/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 2025-02-11 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: FL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have spoken with the same lady twice about this so called debt. She has insulted my intelligence stating I know nothing about the law and about how collections work. She stated she can call me whenever she wants and say whatever she has to in order to get me to pay the debt. I've asked her why is she so rude and condescending when that will never work to make someone pay anything she is saying is owed. I've asked several times for her to stop calling me and it appears she is the XXXX to always contact me. Late at night around XXXX whilst just being rude. It makes my XXXX XXXX rise and for me that is super dangerous for me. Please help me with this super rude company. Portfolio services is the company name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: AR

Complaint narrative:
I have found inaccurate collections entry 's on my Equifax credit report. This entry is in violation of the Fair Credit Reporting Act and the Consumer Financial Protection Act for the following reasons : Inaccurate Reporting ( 15 U.S.C. 1681i ) : The collection entry reported by Equifax is incorrect. Under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is incorrect, and Equifax is required to investigate the dispute and remove any inaccurate information. Failure to Validate Debt ( 12 U.S.C. 5536 ) : I requested debt validation from the collection agency, but I have not received the required documentation confirming that the debt is valid. According to 12 U.S.C. 5536, the Consumer Financial Protection Bureau ( CFPB ) has the authority to enforce fair practices in consumer credit reporting and ensure that companies adhere to proper debt validation procedures under the Fair Debt Collection Practices Act ( FDCPA ). This failure to validate the debt further supports my request for removal. Failure to Ensure Accuracy ( 15 U.S.C. 1681e & 1681c ) : Equifax has failed to ensure the accuracy and completeness of the information reported, as mandated by 15 U.S.C. 1681e and 15 U.S.C. 1681c. The Fair Credit Reporting Act requires consumer reporting agencies to maintain accurate and up-to-date information, which has not been done in my case.

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 2025-02-11 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
I have found inaccurate collections entry 's on my XXXX credit report. This entry is in violation of the Fair Credit Reporting Act and the Consumer Financial Protection Act for the following reasons : Inaccurate Reporting ( 15 U.S.C. 1681i ) : The collection entry reported by XXXX is incorrect. Under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is incorrect, and XXXX is required to investigate the dispute and remove any inaccurate information. Failure to Validate Debt ( 12 U.S.C. 5536 ) : I requested debt validation from the collection agency, but I have not received the required documentation confirming that the debt is valid. According to 12 U.S.C. 5536, the Consumer Financial Protection Bureau ( CFPB ) has the authority to enforce fair practices in consumer credit reporting and ensure that companies adhere to proper debt validation procedures under the Fair Debt Collection Practices Act ( FDCPA ). This failure to validate the debt further supports my request for removal. Failure to Ensure Accuracy ( 15 U.S.C. 1681e & 1681c ) : XXXX has failed to ensure the accuracy and completeness of the information reported, as mandated by 15 U.S.C. 1681e and 15 U.S.C. 1681c. The Fair Credit Reporting Act requires consumer reporting agencies to maintain accurate and up-to-date information, which has not been done in my case.

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 2025-02-11 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm. 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 under 15 U.S. Code 1681o. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in 15 U.S. Code 1681n and 1681o, if this matter is not resolved promptly and accurately. The following items to be removed are as follows : XXXX. XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Data Breach. Sometimes missing money and when I contact customer service, they refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I really feel like I have been discriminated and I have been trying to talk to him about the matter but he hasn't responded since XX/XX/scrub>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 2025-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Recently, I got an alert that there had been an inquiry on my credit report. On the credit report, it showed that a hard inquiry had been made to Capital One. I called Capital One and they said no accounts had been opened. I have filed for disputes with XXXX online. I called XXXX and they directed me to FTC for an identity report. The inquiry information on the credit report has an old address and an incorrect phone number on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Money was transferred to other parties Unknowingly from XXXX XXXXXXXX now XX/XX/year>XXXX  Different parties on different days but not all are showing up on the summary

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Clayton Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX Date of Inquiry XXXX XXXX XXXX, and XXXX XXXX Date of Inquiry XXXX XXXX XXXX To my acknowledge I have not signed any documents authorizing your organization to review my credit report history, therefore your inquiry into my credit report violates The Fair Credit Reporting Act Section 1681b ( c ) : Transaction not initiated by costumer.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-11 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: Continental Finance Company, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear Credit Bureau Representative I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit profile. Per my rights under 16 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), I am requesting an immediate investigation and removal of the erroneous information.

The specific inaccurate information is as follows : 1. US DEPARTMENT OF EDUCATION XX/XX/year> {$4000.00} 2. US DEPARTMENT OF EDUCATION XX/XX/year> {$7300.00} Under 16 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ), upon being notified of a dispute, the credit bureau must investigate the accuracy of the reported information and correct any inaccuracies in a timely manner. 

I have attached copies of relevant documents ( e.g., statements, proof of payment, identity verification documents ) to support my claim. Please remove or correct the inaccurate information immediately and provide written confirmation of the corrections. If the disputed information can not be verified, I expect it to be deleted in accordance with the FCRA. 

Please respond to my request within the legally required timeframe. If this matter is not resolved promptly, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate 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