vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: PA

Complaint narrative:
I am filing a complaint against EXPERIAN for failing to correct inaccurate information regarding late payments reported on my credit report for account Account Number : XXXX Creditor : XXXX Creditor Address : XXXX  XXXX, NY XXXX Despite multiple requests for correction XXXX XX/XX/XXXX, [ Date of First Letter XX/XX/XXXX ] and [ Date of Second Letter XX/XX/XXXX ] ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

1. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

2. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 


Account Number : XXXX Creditor : XXXX Creditor Address : XXXX XXXX, NY 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 2025-02-07 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: NY

Complaint narrative:
This complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Equifax credit report agency , block this information appearing on my credit report that is a result of identity theft within 4 business days of receiving this complaint. The following accounts i do not have knowledge of : Dept of EdXXXX : XX/XX/XXXX - {$2200.00} Dept of EdXXXX XXXX XX/XX/XXXX XXXX {$3400.00} Dept of EdXXXX : XX/XX/XXXX XXXX {$1300.00} Dept of Ed XXXX : XX/XX/XXXX XXXX {$3700.00} Dept of EdXXXX : XX/XX/XXXX - {$7000.00} Dept of Ed/XXXX : XX/XX/XXXX - {$4900.00} Dept of EdXXXX XXXX XX/XX/XXXX - {$7000.00} Dept of EdXXXX XXXX XX/XX/XXXX XXXX {$2400.00} Dept of EdXXXX : XX/XX/XXXX XXXX {$1100.00} Dept of EdXXXX : XX/XX/XXXX - {$2400.00} these accounts have resulted in several hard inquiries and collection accounts and were not authorized by me. I have attached a copy of my FTC complaint as proof that these accounts are a result of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
What happened? 
On XX/XX/scrub> 2025, I was a victim of a phishing scam that led to an unauthorized XXXX transaction on my Bank of America ( BOA ) account. The scammers impersonated BOAs fraud department and tricked me into making a XXXX transfer under false pretenses. 

Here is a detailed account of what happened : Fraudulent XXXX  Message I received a text message from what appeared to be Bank of America Fraud Prevention, stating that a XXXX transfer of {$810.00} had been attempted on my account. 
The message prompted me to confirm the transaction by replying YES if valid, or NO if fraudulent. 
Believing this was a legitimate security check, I immediately replied NO to indicate that I did not authorize the transaction. 
Fraudulent Phone Call from Impersonated BOA Agent Shortly after replying, I received a phone call from someone claiming to be from BOAs fraud department. 
The caller sounded professional and knew my full name, address, email, and partial account details, making them seem legitimate. 
The person reassured me that BOA was investigating fraudulent activity on my account and that immediate action was required to reverse the unauthorized XXXX transaction. 
Fraudulent XXXX XXXXransaction The scammer instructed me to " reverse '' the unauthorized XXXX transaction by sending the same amount ( {$810.00} ) via XXXX to a secure BOA recovery account. 
They claimed this step was necessary to block the scammers access to my funds and secure my account. 
Trusting their instructions, I followed their guidance and unknowingly sent the money to a fraudulent recipient. 
Discovery of the Fraud & Immediate Reporting A few hours later, I became suspicious and researched similar scams online. 
I immediately called BOAs official customer service and was informed that this was a well-known social engineering scam. 
I filed a fraud claim with BOA, but they denied my dispute, stating that XXXX transactions are final, even though I was a victim of 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ok i have been able to get into my equifax since XX/XX/year>2024 i have varfide and sent docs of my drivers linacne and ss and still cant get in they say everthing is ok but i still cant get my credit report online

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-07 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: Early Warning Services, LLC
State: NC

Complaint narrative:
DEMAND FOR CERTIFICATION OF ACCURACY & LEGAL COMPLIANCE I am demanding the immediate certification of accuracy regarding any and all information reported about me by Early Warning Services. I have never granted consent or authorizationeither explicitly or implicitly, for my personal, financial, or consumer data to be reported, shared, or disseminated in any manner. Any transmission of my information without my direct, documented consent constitutes a blatant violation of federal law. The information below is frivolous and needs to be removed, I have never authorized these alleged accounts. 
1.Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX 2.Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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 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 ( 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 2025-02-07 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-02-07 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: AL

Complaint narrative:
XX/XX/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 explanation
Consumer complaint received 2025-02-07 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:
the following accounts were open fraudulently while i was in federal prison XX/XX/XXXXXXXX XXXX AMOUNT XXXX XX/XX/XXXXL amount XXXX XXXX XXXX AMOUNT XXXX XXXX AMOUNT XXXX XXXX XX/XX/XXXX AMOUNT XXXX XXXX XXXX Amount XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX AMOUNT XXXX XXXX XX/XX/XXXX AMOUNT XXXX XXXXXX/XX/XXXXAMOUNT XXXX XXXX XXXX AMOUNT XXXX I WAS XX/XX/XXXX FOR THE LAST 17 years in the XX/XX/XXXXTHERE WAS NO WAY I CAN IOPEN ACCOUNTS WHILE IN FEDERAL CUSTODY!

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 2025-02-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-02-06 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with the necessary proof of investigation. 

XXXX XXXX Missed Payment ( was never late ) - XXXX XXXX Missed Payment ( was never late )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
please check the information concerning the equifax data breach below in attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: PA

Complaint narrative:
I split up the total monthly payment to be paid in 2 -1/2 payments before the due date ( so that I can afford the monthly payment ) they accepted the payments and then showed on my account that I had a past due payment that ended up bringing my credit down ( Im currently trying to buy a house ) For XX/XX/year>2025, total amount {$560.00} was due XX/XX/year>2025 2 payments that were processed : ( 1 ) XX/XX/year>2025 : {$280.00} ( 2 ) XX/XX/scrub>/2025 : {$280.00} Amount showing over due : {$260.00} I called today XX/XX/year>2025 and was on hold for 3 1/2 hours to talk to someone, her name was XXXX and when she finally let me explain the situation, she said oh, somethings not right. I am going to transfer you to someone that will look into it then I was on hold for 7 HOURS! No one answered! This has shown on my credit score and Im panicking because I told her I have no problem paying the amount, its just impossible to do so!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/scrub>/2021 -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>/2021 -- {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MI

Complaint narrative:
I am a victim of Identity theft and After Several failed attempts to rectify and conduct a proper investigation to Experian, Experian failed to properly address my disputes : Experian used faulty intake procedures and does not accurately convey all relevant information about my disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sent me notices that failed to inform me of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.

Improperly reinserting inaccurate information on consumer reports : Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into my report because it fails to match newly reported information with records of previously deleted information from my report even after notifying them of the identity theft police report as well as substantial evidence of fraud. when i have disputed the accuracy of an account and thought that my consumer report had been corrected, instead i see the same inaccurate information reappear on my consumer report without explanation under the name of a new furnisher.

In addition to my complaint and disputes they have violated my rights as a consumer. which is violations of the FCRAs requirements, the CFPB has also learned that Experians faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices. I have contacted Experian repeatedly regarding this identity theft, I have also filed and submitted complaints disputes, dispute letters, shown proof of my identity has been fraudulently used, Experian has on multiple occasions ignored my request to block, fix, delete these items from my report and has not adjusted either my report or credit score.

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