vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX, Equifax, and XXXX have failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX alleging systemic issues such as failing to adequately notify consumers of disputed information outcomes. These failure align with my experience where these bereaus have 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 the inactions violate the federal law and my rights. Please remove the below accounts immediately : XXXX XXXX XXXX - {$470.00} XXXXXXXX XXXX XXXX {$480.00} XXXX XXXX XXXX  {$480.00} XXXXXXXX XXXX - {$530.00} XXXXXXXX XXXX  - {$600.00} XXXX XXXX XXXX {$650.00} XXXX XXXX  - {$690.00} XXXX XXXX XXXX - {$690.00} XXXX XXXX XXXX - {$1600.00} XXXX - {$4400.00} XXXX  - {$1200.00} XXXX XXXX - {$970.00} XXXX XXXX XXXX XXXX {$390.00} XXXXXXXX XXXX XXXX  {$1300.00} XXXX  - {$3700.00} XXXX XXXX {$7500.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$740.00} XXXX XXXX  - {$900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express National Bank informed me that my Traditional IRA account was being closed. It is no longer earning interest. I can rollover my account to another institution. However, 2 other institutions have informed me that I must have a Brokerage DTC number in order to rollover my IRA. American Express National Bank 's customer service chat agent, XXXX, was unable to comprehend what a DTC number even was. American Express National Bank 's customer service agent on their call on XX/XX/year> at approximately XXXXXXXX XXXX e.s.t. informed me that American Express National Bank does not have a DTC number. This requires me to take an IRA Distribution ( that I don't want to take ) and forces me to pay a penalty for an early withdrawal.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my 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 2025-01-25 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: SC

Complaint narrative:
I have 2 different social security numbers and many strange and inaccurate variations of my name reported on my credit report. I have tried numerous times to have this removed. I have even placed a freeze on my credit report, as I continue to receive notifications that my information has been found on the dark web. I have received several notifications from several companies regarding my information being leaked as a result of a security breach.

As I continue to attempt to have these inaccuracies removed I continue to receive notification that they are coming back as verified within hours. These names and socials are not mine. I have attached my most recent attempt in which I am being asked to upload additional information.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Dispute of Inaccurate Information and Request for Removal of Account Dear Consumer Financial protection Bureau I am writing to formally dispute inaccurate information being reported on my credit report. After reviewing my credit reports from both XXXX and TransUnion, I noticed a discrepancy regarding an account with XXXX XXXX. 


The account details differ between the reports : 1. XXXX states that the account was closed on XX/XX/XXXX, with a reported balance of {$9600.00}. 

2. TransUnion states that the account was closed on XX/XX/XXXX, with the same reported balance of {$9600.00}. 


This inconsistency is an error, as the dates and account statuses can not align. Additionally, given this discrepancy and the conflicting payment history, I am requesting that this account be fully removed from my credit report. The inaccurate information is negatively impacting my credit score and does not reflect the correct status of the account.

To support my claim, I have attached the following : Screenshots of the account details as reported by TransUnion and XXXX. 


Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate information. I respectfully request that your office investigate this matter, correct the error, and remove the account from my credit report. 


Please provide a written response confirming the results of your investigation. You can contact me at XXXX or your XXXX if further information or documentation is required. 


Thank you for your prompt attention to this 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian and XXXX are both reporting a car loan with a balance from XXXX XXXX as XXXX even there was an agreement with the company via email for a pay to delete. Both have been given a copy of the email and still do not remove the inquiry. 

The other issue is that XXXX has a balance on my report that was forgiven due to COVID. They continue to sell the debt even though it was forgiven, and the collections agency does not return mail requests asking for valid information regarding the debt. Both credit reporting companies have been notified and the investigations do not have proof of communication or a return letter requesting more information.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
to whom it may concern at the corporations known as XXXX XXXX XXXX and XXXXXXXX XXXX it has come to my attention that my consumer report has reports that i have an account with your agencies and that the alleged debt was closed or charged off please send me the 1099C that I did not receive that your agencies filed.

on my credit report is shows that you filed Under the FCRA I can seek statutory damages if a creditor furnishes inaccurate information about a " debt '' such as incorrectly reporting a charge off while still claiming I owe the debt. 
I lawfully demand that you cease and desist from reporting on my consumer report from this day forward XX/XX/year>

Company response to consumer: Untimely response
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Kikoff Inc.
State: FL

Complaint narrative:
to whom it may concern at the corporations known as Kickoff Lending LLC and XXXX XXXX  it has come to my attention that my consumer report has reports that i have an account with your agencies and that the alleged debt was closed or charged off please send me the 1099C that I did not receive that your agencies filed. 
on my credit report is shows that you filed Under the FCRA I can seek statutory damages if a creditor furnishes inaccurate information about a " debt '' such as incorrectly reporting a charge off while still claiming I owe the debt. 
I lawfully demand that you cease and desist from reporting on my consumer report from this day forward XXXX/XXXX/2025

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XX/XX/XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a credit card account opened atXX/XX/XXXXon XX/XX/XXXX under the account number XXXX, a credit card account opened at XX/XX/XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
All three credit bureau have several collection reporting they were once removed now added back on XXXX XXXX XXXX XXXX funding collection credit bureau is update report stating verified with no proof of validation sent to that I requested its been more than 30 days I been asking for validation I been a victim of three data breach recently from XXXX XXXX, XXXX XXXX, and XXXX I want proof my identity was stolen and I have no sign agreement with these collection agency

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I never authorized the inquiries your company has placed on 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 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: TX

Complaint narrative:
Basically me and some co workers of mine were noticing some charges being made or already approved transactions on cash app from XXXX to XXXX. Purchased was coming in as me using my card but the timing and event didnt add up. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MO

Complaint narrative:
Asked credit bureau to remove late payment due to balance is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
Dear CFPB, XXXX XXXX XXXX has crossed the line into intentionality and recklessness, they are making false credit reports damaging my credit reputation and causing lenders to deny me for their errors on my credit report. 

I have disputed these errors for over a year and a half on many occasions and XXXX continues to fail to correct the glaring errors that I have pointed out to them that exist at XXXX and TransUnion. 

Please dear XXXX, have the professionalism and ethical ability to fix the errors you mentioned and listed below, I have the right to a 100 % accurate report, ( THE LAW REQUIRES IT ), it is very important to me and I would not accept anything less than that, 99 % is not 100 %, the law says that every account reported to the ( CRAs ) must be 100 % accurate and verified. 


Account name : XXXX XXXX XXXX Account number : XXXX Date Opened XX/XX/year> Status Paid, Closed. 

Errors : 1-You report in XXXX and TransUnion the opening date was XX/XX/year>, but in the PAYMENT HISTORY, the first report is from XX/XX/year>. This is contradictory, the payment history does not report anything for XX/XX/year>. Is the opening date incorrect? Is the payment history incorrect? Which one is correct? Please correct this or delete the entire account. 

2-why did you block or DELETE BALANCE HISTORIE?

Why don't you report the balance paid month by month from when the account was opened until it was closed? 

Why don't you report the scheduled payment every month from when the account was opened until it was closed? 

Why don't you report how much I paid each month from when the account was opened until it was closed? 

Please provide all these details mentioned in the Balance History or delete the entire account XXXXIn the payment history, you have ND ( which I understand means No data ) for the months of XXXX, XXXX and XXXX XXXXWhy do you not have any data for these months? Why is the data missing? Please correct all the data or delete the entire account. 


Please CFPB and XXXX, so that my account is one hundred percent accurate and verified, these accounts have been paid in full and have errors that directly affect my financial health, so be 100 percent accurate or delete the entire account. 

I am attaching evidence directly from the XXXX report where I demonstrate the errors mentioned. It is worth mentioning that this account has already been removed from XXXX for not complying with the FCRA. 

Sincerely 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 2025-01-24 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: FL

Complaint narrative:
Dear CFPB, XXXX XXXX XXXX has crossed the line into intentionality and recklessness, they are making false credit reports damaging my credit reputation and causing lenders to deny me for their errors on my credit report. 

I have disputed these errors for over a year and a half on many occasions and XXXX continues to fail to correct the glaring errors that I have pointed out to them that exist at Experian and XXXX. 

Please dear XXXX, have the professionalism and ethical ability to fix the errors you mentioned and listed below, I have the right to a 100 % accurate report, ( THE LAW REQUIRES IT ), it is very important to me and I would not accept anything less than that, 99 % is not 100 %, the law says that every account reported to the ( CRAs ) must be 100 % accurate and verified. 


Account name : XXXX XXXX XXXX Account number : XXXX Date Opened XX/XX/year> Status Paid, Closed. 

Errors : 1-You report in Experian and XXXX the opening date was XX/XX/year>, but in the PAYMENT HISTORY, the first report is from XX/XX/year>. This is contradictory, the payment history does not report anything for XX/XX/year>. Is the opening date incorrect? Is the payment history incorrect? Which one is correct? Please correct this or delete the entire account. 

2-why did you block or DELETE BALANCE HISTORIE? 

Why don't you report the balance paid month by month from when the account was opened until it was closed? 

Why don't you report the scheduled payment every month from when the account was opened until it was closed? 

Why don't you report how much I paid each month from when the account was opened until it was closed? 

Please provide all these details mentioned in the Balance History or delete the entire account 3-In the payment history, you have ND ( which I understand means No data ) for the months of XXXX, XXXX and XXXX XXXX do you not have any data for these months? Why is the data missing? Please correct all the data or delete the entire account. 


Please CFPB and XXXX, so that my account is one hundred percent accurate and verified, these accounts have been paid in full and have errors that directly affect my financial health, so be 100 percent accurate or delete the entire account.

I am attaching evidence directly from the Experian report where I demonstrate the errors mentioned. It is worth mentioning that this account has already been removed from XXXX for not complying with the FCRA. 

Sincerely 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a dispute 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 ), the 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