vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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:
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, Equifaxs 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

I have disputed the following on XXXX on XX/XX/XXXX and they sent be back a " Resolved '' dispute the same day XXXX XXXX Dispute number:XXXX  Company " XXXX XXXX XXXX '', however, now, per my credit report, it says XXXXXXXX XXXX XXXX XXXX The amount of collections at the moment is XXXX, and it continues to increase. I reported Identify theft on XX/XX/XXXX, reference number is XXXX, after noticing someone was using my social and ID. 

I Disputed yet again on XX/XX/XXXX and they sent me the denial on XX/XX/XXXX at that time the company was called " XXXX XXXXXXXX XXXX '' Theirs also a collection of " XXXX XXXX  '' sold to XXXX XXXX XXXX, XXXX for the amount of {$780.00}. However, I have an active account with XXXX XXXXXXXX and have always had an active, up-to-date account with XXXX XXXXXXXX, when I contacted XXXX about this debt XXXX they stated they did not have any knowledge of this account. 

The collections from " XXXX XXXX '' of XXXX. This car was returned to the dealership on XX/XX/XXXX. The company has failed to contact me within 30 days per the Fair Debt Collections Practices Act ; they are supposed to contact me within 30 days to collect payment, which they did not. They also closed my online account without even telling me there was a balance. 

Collections from " XXXX XXXX XXXX '' company was XXXX. I have disputed this account so many times. I have NEVER had a XXXX account. My phone company has always been XXXX until recently, 3 years ago I switched to XXXX XXXX XXXX due to better deals.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian or its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly affect and undermine consumer protections. It also perpetuates the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar way.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
The card I had attached to my Zelle account was not active anymore. Yet they SAY the money was deposited onto the card on file. Impossible, that card was deactivated. And the bank account closed. They now say its the company who sent the transfer. But they accepted it. I cant even find a transfer history for the card. Its gone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Hello XXXX, Thanks for your mail. The {$62.00} debt I owed from Winning Smiles is not aligned with the statment I recievd from the winning smile dental group on the date I visited. Initailly, they said the system went worng so there was a partial payment for me. But after they updated my dental insurance plan, the printed out a new statement and confirmed with me that the balance for that appointment on XX/XX/XXXX is {$0.00}. And we had an agreement on the balance at that day. After that appointment, I canceled the next appointment XXXX days before the next appointment, which is not obeyed thier policy. However, they still complian about the late cancelllation, and then after that time, my statement from the first appoinment became {$62.00}, instead of {$0.00} that we first agreed on. They kept maling me the bill and calling non-stop to force to pay the statement since last XXXX. In the XXXX reviews, I saw a lot of people have same problems with them. They tried to charge customers non-sense fee. I would like to dispute the charge and also attach the proof of statement from the first-time and only-time appointment with the XXXX XXXX. 

Thank you very much for your kind consideration and help! 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I currently reviewed a copy of my credit report and noticed that they are fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I purchased a car from XXXX XXXX XX/XX/2024. The owner, XXXX XXXX has completely disappeared. The tags on the vehicle has been expired since XX/XX/2024. Ive reached out to the Attorney General via email and was told to retrieve a title bond. However, the tag office is saying that is not possible. The lien holder, Credit Acceptance stopped taking payments on the vehicle due to the car not having a title. Ive been back and forth with the issue for months!! They are in contact with XXXX XXXX but we are left stranded. Today, I decided to check my credit report and Credit Acceptance has a balance of {$3200.00} reporting on my credit report which is inaccurate. I reached out to Credit acceptance and was informed by XXXX ( XXXX XXXX ) that i must have it removed. I asked her why was it placed on my credit report because they stopped payments on the vehicle due to the car has no Title or whatever the issue is regarding the title. I am not the only victim in this situation. Monday Im going to speak to my local sheriff about it. Also, XXXX XXXX ran my credit without my knowledge prior to me buying the car. I asked him why did he ran my credit knowing we didnt came to any agreement yet. I hope my complaint reaches the right hands because this has been a nightmare!! Not only do I have a unregistered vehicle without tags, they are also reporting fraud on behalf of my credit. Please help!!!!

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 monetary relief
Consumer complaint received 2025-02-09 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: DE

Complaint narrative:
My personal information was exposed in a data breach. Giving someone access and opportunity for identity theft. Per the FRCA 606b 15 USC 1681c2 the following accounts need to be blocked and deleted. This is fraudulent, inaccurate and false information listed on my Equifax profile consist of the following accounts. 
XXXX {$650.00} ; XXXX XXXX {$5500.00} ; XXXX XXXX {$1400.00} XXXX XXXX {$780.00} I do not recognize the aforementioned accounts or collections and were not opened by me. These are a result of identity theft from a data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I am writing to file a formal complaint against Lendmark Financial for the unlawful reporting of my personal information to credit reporting agencies. I am requesting immediate action to stop the sharing of my personal data, including any payment history, and to remove any associated account information from my credit reports. 

As per the Fair Credit Reporting Act ( FCRA ), I understand that credit reporting agencies and companies must ensure that any information provided about me is accurate, verified, and does not violate my privacy rights. Under the FCRA, no entity has the right to report or disclose my personal information without my explicit consent or without ensuring that it is accurate. I assert that Lendmark Financial has failed to comply with these requirements. 

Additionally, under the Privacy Act of 1974, personal information, including credit data, can not be disclosed or shared by any company or agency without my consent, unless there is a legal basis for doing so. I assert that Lendmark Financial has failed to provide sufficient, legal justification for the continued reporting of this data to credit bureaus, especially in light of my rights under both federal and state law. 

As a result, I request that Lendmark Financial immediately cease all reporting of my personal information and remove any associated data from my credit files. I demand that they cease sharing this information with all credit reporting agencies. 

Please investigate this matter under the full extent of the laws governing privacy, the sharing of credit information, and consumer protections. I request that you take all appropriate action to ensure that my personal data is no longer reported or shared and that Lendmark Financial complies with applicable laws regarding the protection of my privacy. 

If Lendmark Financial does not remove the inaccurate and unauthorized information, I am prepared to pursue additional actions with your office and any other relevant authorities to ensure my rights are fully protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: AZ

Complaint narrative:
In XX/XX/XXXX, the CFPB sued Experian for failing to properly investigate consumer disputes. Experian has been accused of not investing correctly and inserting inaccurate information on credit reports. Including mine. 


Equifax was a subject of a data breach in XXXX. 

Transition has stolen millions of identities, including mine.

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 2025-02-08 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: GA

Complaint narrative:
My account with XXXX XXXX is wrongfully reflecting delinquent payments, despite my unwavering record of timely payments. Dates XX/XX/XXXX, XXXX XXXX, and XXXX XX/XX/XXXX. It is your legal responsibility, as mandated by the Fair Credit Reporting Act FCRA, to ensure all information on consumer reports is both accurate and complete. 
I demand an immediate and exhaustive investigation into these grave discrepancies. Furthermore, I insist on being provided with irrefutable documentation, such as account statements, substantiating any claimed late payment. Should you fail to produce such evidence within the regulatory time limits outlined by FCRA, I expect a prompt amendment to my report to accurately reflect my untarnished payment history. This is in alignment with the requirements specified in FCRA Section 611. Your swift action is not merely anticipated ; it is essential.

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 2025-02-08 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:
My account with XXXX XXXX is wrongfully reflecting delinquent payments, despite my unwavering record of timely payments. Dates XX/XX/XXXX, XXXX XXXX, and XXXX XX/XX/XXXX. It is your legal responsibility, as mandated by the Fair Credit Reporting Act FCRA, to ensure all information on consumer reports is both accurate and complete. 
I demand an immediate and exhaustive investigation into these grave discrepancies. Furthermore, I insist on being provided with irrefutable documentation, such as account statements, substantiating any claimed late payment. Should you fail to produce such evidence within the regulatory time limits outlined by FCRA, I expect a prompt amendment to my report to accurately reflect my untarnished payment history. This is in alignment with the requirements specified in FCRA Section 611. Your swift action is not merely anticipated ; it is essential.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Late fees have been added to my account for the last XXXX ( XXXX ) months ; one shows credit given than added back into the account summary. I called the company trying to point it out questioning the accounting and they flimflammed me. So I terminated the call. 
The second late fee charge is related to the first too. Enclosed are documents showing the dates when my check was written with ample time to be received in both cases. It doesn't take 5-7 days to mail a XXXX class letter to Illinois. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-08 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: IA

Complaint narrative:
XXXX XXXX is a servicer on several student loans that are on my XXXX credit reports. Under the authority of 15 U.S.C 6802,6803,6804,6805, I am now exercising my right to opt out of XXXX furnishing my private education, financial, and personal information. Giving my information to affiliates or 3rd parties violates 5 U.S.C 552a, The Privacy Act of 1974, and also the Federal Educational Right to Privacy Act. I am hereby revoking all permissions, whether written, spoken, implied, or non-implied, for my private information to be furnished without any non-disclosure or my expressed written consent. I would like them to stop furnishing my information immediately and not continue to do so. I also want them to remove the information that was furnished recently, and previously as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filling a complaint against cashapp ( Block , inc ) due to inadequate customer services 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 electronic fund transfer act. ( EFTA ) and regulations E. These actions have caused significant in convenience and financial loss and I seek appropriate redress for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
THE FOLLOWING INQUIRIES SHOW ON MY CREDIT FILE- ALL ARE ERRONEOUS AND FRAUDULENT. ALL CREDIT BUREAUS DO NOT INVESTIGATE, ALL THEY DO IS SAY THEY ARE " VERFIED '' OR " FACTUAL ''. THE INQUIRIES ARE : 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 NONE OF THESE ARE TIED TO ANY ACCTS I HAVE AND I HAVENT GIVEN ANY INFO TO ANY OF THESE COMPANIES. THIS IS DISPROPORTIONATELY AFFECTING MY CREDIT FILE AND IS A VIOLATION OF MY CONSUMER RIGHTS PER 15 U.S. Code 1681e and 15 U.S. Code 1681i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
THE FOLLOWING INQUIRIES SHOW ON MY CREDIT FILE- ALL ARE ERRONEOUS AND FRAUDULENT. ALL CREDIT BUREAUS DO NOT INVESTIGATE, ALL THEY DO IS SAY THEY ARE " VERFIED '' OR " FACTUAL ''. THE INQUIRIES ARE : 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 NONE OF THESE ARE TIED TO ANY ACCTS I HAVE AND I HAVENT GIVEN ANY INFO TO ANY OF THESE COMPANIES. THIS IS DISPROPORTIONATELY AFFECTING MY CREDIT FILE AND IS A VIOLATION OF MY CONSUMER RIGHTS PER 15 U.S. Code 1681e and 15 U.S. Code 1681i

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 2025-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Kiavi, Inc.
State: OR

Complaint narrative:
Kiavi Lending is trying to charge me monthly for houses that I do not own per XXXX XXXX, XXXX XXXX, and XXXX XXXX in the state of XXXX  XXXX XXXX can not make me pay for a house that is not transferred into my name or XXXX XXXX, that is illegal!!! The Owner of all the homes in question so far are owned by XXXX XXXX and XXXX XXXX XXXX, they should be paying Kiavi Lending for the home mortgage each month. Put the Deed in my name, and I will happily pay for the homes. I have called several key personnel at the XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX have been a huge help letting me know to stop paying for these houses, because I do not own them. XXXX XXXX also XXXX I have also spoke with XXXX XXXX who is a supervisor at XXXX XXXX XXXX XXXX. XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was exposed in the data breach. I am not aware of these items.

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