vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: IL

Complaint narrative:
hello, someone has been using my personal information to obtain goods and services while i was a victim on XXXX XXXX violation 605c,

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate late payment reported on my Experian credit report related to my XXXX XXXX XXXX  account ( Account Number : XXXX ) in XX/XX/XXXX and XXXX XXXX  ( Account number XXXX ) in XX/XX/XXXX. According to my records, I have always made my payments on time, and this late payment notation is incorrect. For XXXX XXXX, my car was totaled and paid off by the insurance and I assume that there was a delay in insurance payment to pay off the car to the creditor ( XXXX XXXX  ). 

Additionally, I have attached copies of my drivers license and passport as proof of identity. 

I request that the Consumer Financial Protection Bureau investigate this matter and work with XXXX XXXX XXXX XXXX XXXXXXXX and Experian to remove this erroneous late payment from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly ask for a response within the legally required timeframe. 

Please confirm receipt of this dispute and keep me informed about the status of the investigation. If further information is required, feel free to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : Experian Credit Report XXXX XXXX report ( XXXX XXXX  ) Copy of Drivers License Copy of Passport

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 2025-01-20 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging system 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 action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Inaccurate Information on Credit Report Dear Equifax, I am writing to dispute inaccurate information in my credit report. I have been a victim of Equifax 's negligence in its credit reporting dispute process, as outlined in the Consumer Financial Protection Bureau ( CFPB ) consent order dated XX/XX/2025. 
As you know, the CFPB found that Equifax violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) in several ways, including : Failing to conduct reasonable reinvestigations of consumer disputes Failing to provide timely notice and all relevant information to furnishers regarding disputes Failing to review and consider all relevant information submitted by the consumer Unlawfully reinserting previously deleted information Failing to provide adequate notices of results of reinvestigations Failing to maintain reasonable procedures to assure maximum possible accuracy related to processing disputes Engaging in unfair acts and practices by using ineffective systems and flawed processes Failing to comply with identity theft block requirements Providing inaccurate consumer reports due to coding failures and other technology failures I have experienced the same issues with my disputes. I have submitted several disputes to Equifax, but inaccurate information remains on my credit report. I have included copies of my prior dispute letters and any supporting documentation. 
Due to Equifax 's negligence, I am requesting the following remedy : Removal of the following negative accounts from my credit report : 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 I believe this is a fair and reasonable request given Equifax 's repeated failures to comply with the FCRA. I hope that Equifax will take this request seriously and take immediate action to correct my credit report. 
I look forward to hearing from you soon. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Information on Credit Report Dear Equifax, I am writing to dispute inaccurate information in my credit report. I have been a victim of Equifax 's negligence in its credit reporting dispute process, as outlined in the Consumer Financial Protection Bureau ( CFPB ) consent order dated XX/XX/year>. 
As you know, the CFPB found that Equifax violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) in several ways, including : Failing to conduct reasonable reinvestigations of consumer disputes Failing to provide timely notice and all relevant information to furnishers regarding disputes Failing to review and consider all relevant information submitted by the consumer Unlawfully reinserting previously deleted information Failing to provide adequate notices of results of reinvestigations Failing to maintain reasonable procedures to assure maximum possible accuracy related to processing disputes Engaging in unfair acts and practices by using ineffective systems and flawed processes Failing to comply with identity theft block requirements Providing inaccurate consumer reports due to coding failures and other technology failures I have experienced the same issues with my disputes. I have submitted several disputes to Equifax, but inaccurate information remains on my credit report. I have included copies of my prior dispute letters and any supporting documentation. 
Due to Equifax 's negligence, I am requesting the following remedy : Removal of the following negative accounts from my credit report : 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 I believe this is a fair and reasonable request given Equifax 's repeated failures to comply with the FCRA. I hope that Equifax will take this request seriously and take immediate action to correct my credit report.

I look forward to hearing from you soon. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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 ( 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 2025-01-20 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: IL

Complaint narrative:
XXXX, Equifax and XXXX are allowing the listed companies to report fraudulent information on my Consumer report, I've contacted the Debt holders and ask to Validate the account information The companies continue to send me a bill Not verifying the account belonging to me. Per the FCRA section 609, 611 and the 605 this debt must be verified and if not validated it must be removed. I also Filed an Identity theft report with the Federal Trade Commission on XX/XX/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 Addresses attached to me, they should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the recent data breach with Equifax the validity of the case having been truly investigated. Please remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a formal complaint against Cash App ( Block , Inc. ) for violations of the Consumer Financial Protection Act ( CFPA ) and the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Specifically, Cash App failed to adequately protect my account from fraudulent activity and has engaged in unfair and deceptive dispute resolution practices. These failures have resulted in significant financial loss and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  those are the dates which ive been trying to get removed because these account besides XXXX  is mine. XXXX  I sent proof payments was made on time to the company and they still reported it late

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 2025-01-20 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

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 2025-01-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I came across the CFPB Experian Lawsuit.

I feel i was negatively impacted by Experian hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''.

But i don't see any details about your investigation.

A fine will be applied soon if proper investigation isn't applied too.

Please provide details to investigation or delete accounts.

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 2025-01-20 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:
XXXX XXXX credit account amount of XXXX is Im my report fraudulent and I have been forced to pay to keep my credit from being damaged Im asking that all three bureaus do proper investigation and remove these accounts from my report XXXX  XXXX XXXX from all three of my credit reports immediately and completely asap and all inquiries I have a ftc report and will be uploaded it as well

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: MS

Complaint narrative:
On multiple occasions money was taken from my account outside of the arrange schedule leading to money being paid for overdrafts etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was solicited for real estate leads where the fee for the service could be reimbursed upon closing sales. I signed up and the fee was paid of {$1700.00} XXXX of 2024. I began having a hard time reaching the company and upon research, could not find anything showing this was a legitimate company. On the website there are all dead ends. I believe the company operates overseas and once they collect your fee, they're gone. I filed a complaint with both XXXX who they wanted payment through, and Wells Fargo bank ( using my Visa Debit/Credit guaranteed card ) where my money came from to go through XXXX. Another red flag was they wanted their money going through XXXX because they know once it goes through XXXX, they'll get it whether they're a legitimate company or not. Then a representative from " XXXX XXXX '' ie the scammers, called and harassed me many times a day and said if I didn't release both fraud claims, my money would go into limbo for months between the bank and XXXX ( which it did ). So he scared and threatened me into cancelling both claims. I later contacted both Wells Fargo and XXXX and told them not to release the money because the company was fraudulent and that they were scammers. 
Wells Fargo released my {$1700.00} to XXXX on XX/XX/year>. On the XXXX site it says the company was paid the {$1700.00} on XX/XX/XXXX. 2024. I can't reach a human or even get an email back to my inquiries from either XXXX XXXX ( and their phone calls do not connect when called as provided on their website ) or XXXX. XXXX XXXX is based out of XXXX, TX, allegedly. I have filed fraud investigations in TX and Federal. They are clearly not legitimate, and my VISA guaranteed card did not protect me, even though there is fraud protection on the card either charge or debit. I am desperate for someone to help. I am a solo real estate agent and that's a LOT of money. I just keep getting the run-around from VISA, Wells Fargo and 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi I did not authorize these companies to run my credit or to try an open an account please remove this from my account from equifax XXXX and XXXX. On XX/XX/year> XXXX XXXX XXXXXXXX was not authorized to pull and report to my credit. XXXX XXXX on XX/XX/year> I also did not authorize. XXXX XXXX XXXX XX/XX/year>, I did not authorize. XXXXXXXX XXXX XXXXXX/XX/year> I did not authorize I tried disputing but it is still on my report please remove these from all three bureaus on my reports because this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: Kikoff Inc.
State: IN

Complaint narrative:
I have been dealing with hackers since XXXX. I have had problem after problem with identity thrift. First XXXXXXXX  that I just now found out about and XXXX in XXXX. After having to start over again. I pulled my credit and noticed XXXX collections first XXXX were medical that I wasnt worried about because XXXX XXXX veteran. With free healthcare the next was kickoff credit card with XXXX limit they said I owed XXXX on card. It didnt make any sense to top it off I was never notified of either of these collections prior to at anytime. That alone is grounds. Multiple violations of fair credit act. Kick off ignored several requests to see original contract along with changes totaling XXXX. I asked for valedation.that has been ignored. XXXX has not done there job doing a complete investigation my request have went through XXXX obviously know my request have been ignored but still will add verified. How. On top of all this XXXX data breech has also affected me financially and countless hours.

Company response to consumer: Closed with explanation