vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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:
I am writing to formally dispute the reporting of my Acima account ( # XXXX ) on my credit report due to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX and its founder, XXXX XXXX, for illegal lending practices. Given these allegations, I believe my account was subject to deceptive and unfair business practices, and I am requesting that it be removed from my credit report immediately. 

XXXX engaged in misleading and predatory financial practices, including a lack of transparency regarding fees, payment structures, and total financial obligations. These practices not only violated consumer protection laws but also directly impacted my financial standing. Because this account was established under these unlawful conditions, it should not be allowed to negatively impact my credit. 

I am formally requesting the following actions : A full investigation into this account to determine whether it was reported in compliance with federal lending laws. 
Written confirmation that my account has been removed or a detailed explanation if my request is denied.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I investigated my credit report and found several items there to be inaccurate.

Under 15 U.S. Code 1681e ( b ), " Accuracy of the report, '' whenever a consumer reporting agency prepares a consumer report, it shall follow responsible procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates.

15 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please immediately remove the following items from my credit report, as these accounts have never been late. 

Experian : XXXX BANK XXXX XXXX Acct Number : XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX : XXXX BANK XXXX XXXX Acct Number : XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX  Acct Number : XXXX Bal XXXX {$0.00} Date Opened : XX/XX/XXXX TD XXXX XXXX XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX : XXXX BANK XXXX XXXX Acct Number XXXX XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct Number : XXXX Bal : {$0.00} Date XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : 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 explanation
Consumer complaint received 2025-01-27 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 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 administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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

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 2025-01-27 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-27 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: TN

Complaint narrative:
Data Breach of personal information and also identity theft of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MS

Complaint narrative:
ssue Summary : I am a victim of human XXXX, and adverse information listed on my credit report has resulted from this XXXX Under Section 605C of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to remove adverse information if the consumer provides XXXX documentation. Despite my submission of the required documentation, the credit bureaus have failed to remove the following inaccurate items from my credit report : Inaccurate Information on My Credit Report Bankruptcy Records Court : US XXXX XXXX XXXX  XXXX Filing Date : XX/XX/XXXX Status : XXXX XXXX XXXXXXXX Reference Number : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Filing Date : XX/XX/XXXX Status : XXXX XXXX Dismissed Reference Number : XXXXXXXX XXXX XXXX Accounts Account Number : XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) XXXX  Accounts Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) XXXX XXXX Account Account Number : XXXX Applicable Law : Section 605C of the FCRA Section 605C of the FCRA provides that no consumer reporting agency may furnish a consumer report containing adverse information resulting from XXXX My XXXX documentation has been submitted to the credit reporting agencies in compliance with this provision. 

Billing Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXXXXXX XXXX XXXX XXXX : Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ).

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 2025-01-27 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: United Revenue Corporation
State: TX

Complaint narrative:
UNITED REVENUE Account number XXXX UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I'm submitting this complaint again in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Complaint to CFPB Regarding Equifax 's Inaccurate Reporting Subject : Complaint Against Equifax for Reporting Inaccurate Information on Credit Report Date : XX/XX/XXXX Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Complaint Details : Credit Bureau Involved : Equifax Account XXXX : Creditor Name : Upstart Loan Operations Account Number : XXXX XXXX I am filing this complaint to request the immediate removal of inaccurate and unverifiable information reported by Equifax on my credit file, specifically concerning the XXXX XXXX XXXX account. 

Equifax is reporting " Charge-Offs ( CO ) '' for the months of XXXX and XX/XX/XXXX, which are inconsistent with the factual history of this account. Furthermore, Equifax has inaccurately reported delinquency statuses, including ( e.g. 60, 90, 120, and 150 days past due ), without proper validation or verification.

These reporting inaccuracies are violations of 15 U.S. Code 1681 ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days. Additionally, under 15 U.S. Code 1681e ( b ), Equifax is required to maintain maximum possible accuracy in the information reported. Failing to verify this information violates my rights under federal law.

These violations, along with Equifax 's history of compliance issueshighlighted by the CFPB 's recent enforcement action that resulted in a {$15.00} million fine for failures in investigating credit reporting errorsnecessitate immediate action.

Request : I respectfully request that the CFPB : 1. Direct Equifax to remove the inaccurate charge-offs and delinquency statuses from my credit report for the XXXX XXXX XXXX account due to their unverifiable and inconsistent nature.

2. Ensure Equifax complies with its obligations under 15 U.S. Code 1681 ( i ) and 1681e ( b ).

3. Hold Equifax accountable for its failure to follow proper procedures, causing harm to consumers like myself.

Attachments : 1. Screenshot of the Equifax credit report highlighting discrepancies. 
XXXX. Payment history for XXXX XXXX XXXX from Equifax. 
XXXX. Copy of the CFPB press release on the {$15.00} XXXX fine. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
My phone was stolen and XXXX dollars was sent from my cash app to someone else that i have sent money to before, they will not do anything to get my money because ive sent XXXX dollar payments to them before. This happened XX/XX/XXXX. Ive given enough time to get my money back and they wont do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 proce 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 48. financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-01-27 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: GA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting and Notice of Statutory Damages Dear [ XXXX ] XXXX am writing to formally request that my address be updated in your records to : XXXX XXXX XXXX XXXX, XXXX Additionally , I request that all other addresses currently associated with my credit file that are not accurate or current be removed. These addresses are outdated and no longer relevant to my financial profile. Also I am writing to formally dispute inaccurate information on my credit report that has caused significant harm to my creditworthiness. The CFPB lawsuits against XXXX and XXXX highlight the requirement for credit reporting agencies to ensure the highest level of accuracy in the data they report. As per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), you are required to maintain complete, accurate, and verifiable information on consumer credit files.

I have identified several errors and inaccuracies on my credit report that have not been properly investigated despite previous disputes. These errors include ( but are not limited to ) : Charged-off accounts * inquiries that are unverifiable or inaccurate. 
Items reported that do not reflect the most accurate information available. 
Specific items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your failure to investigate and correct these inaccuracies is a direct violation of the FCRA and has caused financial harm, including lower credit scores and denial of credit opportunities. According to Section 1681n of the FCRA, I am entitled to statutory damages for your willful noncompliance with the 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 2025-01-27 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: GA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting and Notice of Statutory Damages Dear [ ExperianXXXX ] XXXX am writing to formally request that my address be updated in your records to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I request that all other addresses currently associated with my credit file that are not accurate or current be removed. These addresses are outdated and no longer relevant to my financial profile. Also I am writing to formally dispute inaccurate information on my credit report that has caused significant harm to my creditworthiness. The CFPB lawsuits against Experian and XXXX highlight the requirement for credit reporting agencies to ensure the highest level of accuracy in the data they report. As per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), you are required to maintain complete, accurate, and verifiable information on consumer credit files. 

I have identified several errors and inaccuracies on my credit report that have not been properly investigated despite previous disputes. These errors include ( but are not limited to ) : Charged-off accounts * inquiries that are unverifiable or inaccurate. 
Items reported that do not reflect the most accurate information available. 
Specific items : Experian : 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your failure to investigate and correct these inaccuracies is a direct violation of the FCRA and has caused financial harm, including lower credit scores and denial of credit opportunities. According to Section 1681n of the FCRA, I am entitled to statutory damages for your willful noncompliance with the 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 explanation