vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, Transunion XXXX XXXX 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, XXXX, Transunion & XXXX  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 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX, Transunion and XXXX  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 XXXX, Transunion XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation. Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-29 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, XXXX XXXX XXXX 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, XXXX & XXXX  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 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax, XXXX and XXXX  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, XXXX XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation. Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
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 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 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 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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. Specifically, Cash App failed to take timely and effective measures to prevent and access fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was very unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: AL

Complaint narrative:
I was in the military and had been sent to the hospital. During my active duty status and was never given a bill now in XXXX of XXXX  I have an outstanding debt of XXXX Which should not be up to me to pay for declaring I was in the military active status at the time of hospitalization

Company response to consumer: Untimely response
Consumer complaint received 2025-01-29 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: WI

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX - XXXX - {$5200.00} Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Early Warning 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 an Inquire from XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, And a collection account from XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with account number XXXX. 
These accounts have resulted in several fraudulent hard i nquiries 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 fraudulentitems.

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 2025-01-29 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: KY

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( XXXX XXXX, XXXX, Equifax ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: KY

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( XXXX XXXX, Experian, XXXX ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc.
State: WI

Complaint narrative:
Thank you for your response to complaint # XXXX on XX/XX/XXXX however your response was inappropriate to complaint not once in my original complaint did I request KIKOFF to delete a late payment in fact nothing about a late payment was ever mention how or why KIKIOFF chose to respond about a late payment being removed is a mystery so that we have a clear understanding of what's been requested I will ask for a second time I am requesting DETAIL INFORMATION about account XXXX KIKOFF reported charged off as stated in my original complaint KIKOFF LENDING LLC , reported to all three major credit agencies Account # XXXX had charged off on XX/XX/XXXX and {$320.00} written off ( profit and loss ) I never received any documentation ( 1099c ) regrading this charge off and I am requesting documentation today if for any reason account was charge off by any other methods please identify that method in detail and provide supporting documentation for my records. if for any reason XXXX XXXX XXXX did NOT actually charge off account on XX/XX/XXXX as it reported they are in violation of FCRA 623 ( 15 U.S.C. 1681s-2 ) RESPONSIBILITIES OF FURNISHERS OF INFORMATION. If actual charge off date is different from XX/XX/XXXX that was reported please provide the actual legal date the charge off occurred. furthermore was there any insurance filed for this account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: WI

Complaint narrative:
XXXX XXXX is reporting inaccurate reporting to all 3 credit bureaus and the credit bureaus and XXXX  XXXX is refusing to update information. XXXX XXXX  has been reporting inaccurate balances they will report statement balance and two weeks later report a difference reflecting as a statement for my savor one card. The balance is supposed to show {$30.00} as it did initially then change 2 weeks later to XXXX. All parties have refused to help this is the 3rd time this has happened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX is reporting inaccurate reporting to all 3 credit bureaus and the credit bureaus and XXXX  XXXX is refusing to update information. XXXX XXXX  has been reporting inaccurate balances they will report statement balance and two weeks later report a difference reflecting as a statement for my XXXX XXXX XXXX. The balance is supposed to show {$30.00} as it did initially then change 2 weeks later to XXXX. All parties have refused to help this is the 3rd time this has happened

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 2025-01-29 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: AL

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding Equifaxs mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Equifaxs handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Equifax 's credit report : XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX account number XXXX Despite submitting evidence to support my dispute, Equifax failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Equifax failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from Equifax vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

Potential Improper Reinsertion of Inaccurate Information : I am concern Equifax may have improperly reinserted information I previously disputed and believed to be corrected.

Equifaxs actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Equifax the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If Equifax can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA.

I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: AZ

Complaint narrative:
The debt collector and XXXX XXXX and Experian is reporting false and misleading inaccurate unfair information on my credit report ( FDCPA ) ( 807,15 U.S.C ) ( U.S.C1692e ) Upstart loan can not falsely report debt as delinquent and misrepresent the amount of debt owed when it's paid in full.

Unfair Practices ( 808,15 U.S.C 169f ) The debt collector is incorrectly reporting paid and disputed debt as delinquent and derogatory ; they are in violation of both FDCPA and FCRA

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 2025-01-29 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: GA

Complaint narrative:
I am submitting this complaint regarding Equifaxs failure to properly investigate and correct fraudulent and misrepresented accounts in my credit report. Despite multiple disputes and supporting documentation proving the inaccuracies, Equifax has refused to correct these errors, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : XXXX Accounts : These accounts were deemed fraudulent and misrepresented by the Department of Education and were discharged under the Borrower Defense program . Despite this, Equifax continues to report these accounts as active with outstanding balances, which is incorrect and misleading. These accounts do not exist on my XXXX profile, yet they remain on my credit report, negatively impacting my financial standing.

U.S. Department of Education Account : This account reflects an incorrect balance despite my full discharge under the Borrower Defense program. While I request that the payment history remain intact, the balance must be updated to {$0.00}, and the account status must reflect Satisfied to reflect the accurate status of my loans.

Legal Violations & Equifaxs Failure to Comply Under the FCRA, credit reporting agencies are required to accurately report consumer data and correct errors upon dispute.

I have submitted multiple disputes with official documentation proving my loans have been discharged, yet Equifax has failed to make the appropriate updates, constituting willful noncompliance. 
By continuing to report incorrect balances and fraudulent accounts, Equifax is actively harming my creditworthiness and violating my consumer rights. 

I have attached official documentation from the Department of Education and my credit reports reflecting these inaccuracies. Equifaxs failure to address these errors is unlawful, and I demand immediate action to ensure my credit report reflects the correct and verified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XXXX XXXXXXXX  I deposited {$840.00} in my cash app count from my chime account. I woke up a was asked to verify my cash app account. I verified the account and cash app snatched my money out and closed the account. I contacted cash app trying to see where my money was and why my account was closing. Cash app stated the amount violated there terms. And that they sent it back to my chime account. Today is XX/XX/ and no money has been sent to the account. One cash app rep said they have my money they just dont know where to send it to. He put me on hold on and hung up. The next rep said they only see {$55.00} in my account. The next rep said they didnt see anything. Right now my chime is working on a dispute with this. Cash app unlinked all my cards and email from my account but some how Im getting emails saying someone is doing disputes on my account. I just want my money I will never use cash app again they are scammers and I have video recordings of me calling them and all the different responses. They had me open an new cash app saying they would send my money to there. Then they closed the new account as well and didnt put anything in the account

Company response to consumer: Closed with explanation