vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( 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 complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that i've marked as inaccurate. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX & XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
on XX/XX/year> at XXXX pm I was a victim of scam from my cash app account, I first got a call from someone ( registered as XXXX on cash platform ) .when I picked up the call ( he used Lyft support Phone Number ) he told me that the last customer I dropped off made claim that I did not match the picture on my profile and starts the verification process by asking questions and gave the answers thinking that I was talking with XXXX  Support when he got all the informations he needed He sent me a link from there he got in to my account through cash app and send himself {$1300.00} from my Bank Account XXXX 
I immediately try to get the refund, they denied it. 
I report it to XXXX  by Phone and email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: PNC Bank N.A.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance {$0.00} PNC BANK XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account Name : XXXX Account Number : XXXX Reason : Unverified account Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry My social security number has been compromised from the social security breach that occured in XXXX  access to the National Public Data Systems . 

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account Name : XXXX Account Number : XXXX Reason : Unverified account Creditor Name : XXXX XXXX Inquiry Date : XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX Reason : I don't recognize this inquiry My social security number has been compromised from the social security breach that occured in XXXX access to the XXXX XXXX XXXX XXXX . 

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I was scammed out of money numerous times. I did all steps I need to. Cash app did refund me my money. Didn't block the account or didn't get back to me as they should. XXXX I lost in cash XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I made a payment on XX/XX/year> because my card was at it's limit. My bank account was debited on XX/XX/year>. As of today, XX/XX/year>, my credit limit has not been reset. I contacted the bank and I was told that for " large '' payments, their system has an automatic review process to confirm that the bank would release the funds. I was informed that the review process would end on XX/XX/year>. However, my bank has already released the funds so there is no reason to continue a review process.

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 2025-02-01 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
Per XXXX USC XXXX Innovis is in violation of my rights to privacy by reporting non-public personal information without my permission or consent ( opt out date XX/XX/2022 ). Per XXXX USC XXXX A creditor may not treat a payment on a credit card account on an open-ended consumer credit plan. Each Violation are subjected to XXXX dollars each. Please update as NO DATA or Current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I'm contacting you again regarding my private student loan that originated with XXXX XXXX and is now serviced through XXXX. 

I have asked to be sent a School misconduct form on the basis that this loan was created for a faulty and misleading service. XXXX has replied that they do not offer investigations due to school closings and I don't think the message is being communicated clear enough and they do not understand my request. 

" XXXX XXXX XXXX engaged in widespread and pervasive substantial misrepresentations that deceived students about the value they would be receiving from their education. '' XXXX XXXX XXXX  were a chain of for-profit art schools that defrauded students and borrowers. The schools misrepresented their employment rates and career services, leaving students with high debt and few job prospects. [ 1, 2, 3 ] What happened? [ 1 ] XXXX XXXX XXXX were found to have inflated employment rates and exaggerated their relationships with employers [ 1 ] The schools misrepresented the value of their education and the career opportunities they offered [ 1 ] XXXX XXXX XXXX were accused of illegally recruiting students [ 2 ] The schools closed their remaining campuses in XX/XX/XXXX [ 2 ] The US government canceled {$6.00} XXXX in student debt for former students [ 2 ] What was the response? [ 4, 5 XXXX XXXX XXXX XXXXXXXX settled a {$95.00} XXXX claim with the US Department of Justice in XXXX [ 4, 5 ] XXXX  XXXX XXXX lost accreditation in XXXX, leading to the closure of nearly XXXX campuses [ 5 ] The US government canceled {$6.00} XXXX in student debt for former students in XXXX [ 2, 6 ] Who was affected? [ 2 ] Hundreds of thousands of students borrowed billions of dollars to attend XXXX XXXXXXXX XXXX [ 2 ] Many students dropped out of their programs and defaulted on their loans [ 3 ] XXXX XXXX  is experimental. 

[ 1 ] https : //www.attorneygeneral.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : //studentaid.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not all images can be exported from Search.

XXXX. FTC NOTICE : The following Notice applies only to loans made to finance educational ex-penses at for-profit schools or schools otherwise subject to the Federal Trade Commission XXXX XXXX ( XXXX C.F.R. Section XXXX, as amended ), and only if the " Amount Financed '' shown on the Disclosure Statement is {$25000.00} or less : NOTICE : ANY HOLDER OF THIS CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SCHOOL WITH RESPECT TO THE LOAN. RECOVERY UNDER THIS PROVISION SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR ON THE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
In accordance with the fair credit Reporting act convergent Accoucht : ( XXXX XXXX XXXX XXXXXXXX XXXX  ) have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-02-01 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: GA

Complaint narrative:
In accordance with the fair credit Reporting act convergent Accoucht : ( XXXX XXXX XXXX XXXXXXXX XXXX  ) have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute 3 alledged collection that was reported on my credit report. 
This collection account was reported by : XXXX. XXXX XXXX XXXX account number : XXXX XXXX  XXXX due as of XX/XX/2025. It was reported to CRA Experian XXXX. XXXX XXXX XXXX account number : XXXX {$1200.00} past due as of XX/XX/2025. It was reported to CRA Experian. 
XXXX XXXX XXXX XXXX account number : XXXX {$580.00} past due as of XX/XX/2025. It was reported to CRA Experian I requested them to provide me with the purchase agreement to the collection debts above that theyre saying is mine. Its a FCRA violation to have these collection placed on my credit reports under XXXX USC XXXX G and XXXX USC XXXX S2. 
I need these 3 collection to be deleted off my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance Owed : {$1900.00} BK OF AMER **** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2025-02-01 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: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

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 2025-02-01 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: CA

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am asking for help with the following account XXXX XXXX XXXX  account # XXXX in the amount of {$370.00} because I submitted a debt verification letter asking them to validate the debt and they did not provide me with any information to show proof that I owe this company any money. Then I submitted a dispute, by mail showing Experian the inaccuracies of this account, and their noncompliance in providing me with a fair investigation. The account is being reported differently across my credit profiles. This debt is predatory, and Experian is complicit with the collection agency by reporting inaccurate information on my credit report that is misleading and damaging to me. 

According to the FDCPA and FCRA the company is in violation of XXXX : XXXX USC XXXX, XXXX USC XXXX ( 5 ), XXXX XXXX XXXX f 1 etc.

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 2025-02-01 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: DC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( XXXX ) ( 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 complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate. 

XXXXXXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX BANK 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 2025-02-01 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: DC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( XXXX ) ( 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 complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate. 

XXXXXXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX BANK 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 non-monetary relief