vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I sent several certified dispute letters. XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX  {$1500.00} this was removed under another name and came back under XXXX XXXX XXXX I also received emails saying I was part of a Data Breach for XXXX and Experian I been going back and forth I believe since XX/XX/year> all the way up til XX/XX/year> and still nothing how could you remove something and then bring it under another collection agency or should I say sell. Sent me no validation. I sent out certified letters the first and second letter in regards to the Fair Credit Reporting Act.

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 2025-01-23 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:
Taking more money out my account then they should have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: SC

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 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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am a victim of identity theft, and I have filed an Identity Theft Report with the Federal Trade Commission. I demand that the aforementioned fraudulent items be removed from my ChexSystems report and that all collection activity cease and be blocked within four days.

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 2025-01-23 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: MI

Complaint narrative:
According to the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item and restore my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: MI

Complaint narrative:
The lender claims there isnt any evidence that the school participated in misconduct I am attaching an email from the US Department of Education confirming my XXXX XXXX XXXX for XXXX XXXX XXXX have been forgiven due to the school being found guilty for misconduct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
I am writing to file a complaint against Experian, one of the largest consumer reporting agencies, for failing to conduct a thorough investigation of disputed information on my credit report.

On several attempts I have submitted a dispute to Experian regarding an alleged vehicle repossession and late payments, and XXXX Violations which I claim are inaccurate. Despite my dispute, Experian failed to conduct a reasonable investigation and remove the disputed information from my credit report. Account Information below. 

ACCOUNT ACCOUNT-NUMBER DATE OPEN XXXX XXXX XXXX  XXXX XX/XX/year> Specifically, I have possession of my vehicle, and the alleged repossession is entirely inaccurate. Furthermore, the loan in question is an installment loan, and the creditor 's acceptance of a down payment constitutes a violation of the terms of the loan. 

Experian 's failure to thoroughly investigate my dispute and remove the inaccurate information from my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA requires consumer reporting agencies to conduct reasonable investigations of disputed information and to remove inaccurate information from consumer reports. 

I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that Experian complies with the FCRA. I also request that Experian be directed to remove the disputed information from my credit report and to provide me with a corrected copy of 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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I dont know what happened I need that balance off my credit immediately thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am writing to file a formal complaint against Synchrony Care Credit regarding an unauthorized charge, deceptive marketing practices, and unfair debt collection tactics on my credit report for the amount of {$410.00}. I have attempted to contact the company by way of phone calls and letters. But my concerns were ignored/ unsuccessfully addressed. 
SIncerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: AL

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 and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected and/or removed disputed items despite the evidence I provided ; causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove and/or amend the disputed accounts, as Experians 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 2025-01-23 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: PA

Complaint narrative:
I am writing to explain the circumstances surrounding the delinquency on my XXXXXXXX XXXX XXXX account. This issue arose due to unauthorized charges made on my account, which I promptly identified and disputed. Despite following the proper procedures to report these fraudulent transactions, my disputes were neither adequately addressed nor investigated by XXXX XXXX XXXX and XXXX XXXX. 

It is particularly concerning given the recent findings by the Consumer Financial Protection Bureau ( CFPB ), which ordered XXXX and XXXX XXXX to pay over {$89.00} XXXX for failures related to their handling of XXXX XXXX accounts, including issues with dispute resolution. These systemic failures directly reflect the lack of action taken in my case and have contributed to the negative impact on my account status. 

I request that this delinquency be reconsidered in light of these factors, as it is a result of circumstances beyond my control and mishandling on the part of the card issuer. 

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. 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 2025-01-23 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: PA

Complaint narrative:
I am writing to explain the circumstances surrounding the delinquency on my XXXXXXXX XXXX XXXX  account. This issue arose due to unauthorized charges made on my account, which I promptly identified and disputed. Despite following the proper procedures to report these fraudulent transactions, my disputes were neither adequately addressed nor investigated by XXXXXXXX XXXX XXXX and XXXX XXXX. 

It is particularly concerning given the recent findings by the Consumer Financial Protection Bureau ( CFPB ), which ordered XXXX and XXXX XXXX to pay over {$89.00} XXXX for failures related to their handling of XXXX XXXX accounts, including issues with dispute resolution. These systemic failures directly reflect the lack of action taken in my case and have contributed to the negative impact on my account status. 

I request that this delinquency be reconsidered in light of these factors, as it is a result of circumstances beyond my control and mishandling on the part of the card issuer. 

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. 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2025-01-23 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 for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
I am submitting a complaint regarding 7 credit inquiries listed on my Experian credit report that I do not recognize and did not authorize. these inquiries are either due to errors or potentially fraudulent activity. The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX on XX/XX/year> I have no recollection of initiating or authorizing these inquiries, nor have I received any correspondence from these institutions regarding any application or account activity. As such, I believe these inquiries may be the result of mistaken identity, unauthorized activity, or a reporting error by Experian.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to dispute inaccurate or incomplete information on my credit report, and I request that Experian promptly investigate and remove these unrecognized inquiries if they can not be substantiated. The FCRA also mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and I believe these inquiries are in violation of that provision. 
Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c ), I am requesting the removal of these inquiries if they are found to be unauthorized or fraudulent, as I have not given consent for these inquiries. 
I request that Experian conduct a thorough investigation into these inquiries and remove them from my credit report if they can not be verified as legitimate. I would also appreciate being notified of the progress and outcome of the investigation, as required by the FCRA. 

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 explanation
Consumer complaint received 2025-01-23 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As XXXX '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 2025-01-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
The Company Im Disputing is XXXX, Transunion and XXXX! 

On XXXX XXXX I disputed all of my negative items along with Hard inquiries. these inquiries and negative items should've been removed because of the identity theft that was claimed via FTC Report that was filed in XX/XX/XXXX. 
as a result here we are in XXXX and still no response

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 2025-01-23 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: IL

Complaint narrative:
The Company Im Disputing is XXXX, XXXX and Equifax! 

On XXXX XXXX I disputed all of my negative items along with Hard inquiries. these inquiries and negative items should've been removed because of the identity theft that was claimed via FTC Report that was filed in XX/XX/XXXX. 
as a result here we are in XXXX and still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
Goldman Sachs and XXXX. 
XX/XX/year> Approximately XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX added many times. Sold acct from old XXXX avct that was hacked. I've had removed multiple times from others. Still re appears. 

XXXX XXXX XXXX XX/XX/year>. Contract been taken care of.

Company response to consumer: Closed with non-monetary relief