vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Federal Trade Commission Consumer Response XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX : Formal Complaint Against Equifax for FCRA Violations and Failure to Address Dispute Regarding XXXX XXXX XXXX, XXXX. Account Ending in XXXX Dear Sir/Madam, I am writing to file a formal complaint against Equifax for XXXX violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting of my XXXX XXXX XXXX XXXX  XXXX. account ( account ending in XXXX ). This erroneous reporting has negatively affected my ability to secure a mortgage, and Equifax has failed to resolve the matter despite multiple disputes filed by me Violations of the FCRA by Equifax : Failure to Conduct a Reasonable Investigation ( 611 ) : Equifax has not conducted an adequate investigation into my disputes.

Failure to Correct or Delete Inaccurate Information ( 611 ( a ) ( 5 ) ) : The inaccurate information on the Capital One account remains on my credit report despite evidence provided.

Failure to Provide Dispute Results ( 611 ( a ) ( 6 ) ) : Equifax has not communicated the results of their investigation within the required 30-day timeframe.

Unreasonable Documentation Requests ( 611 ( a ) ( 1 ) ) : Equifax has repeatedly requested identification documents unnecessarily, delaying the resolution process. 
Requested Resolution : Conduct a proper and thorough investigation into the disputed XXXX XXXX XXXX, XXXX. account ending in XXXX. 
Remove this inaccurate account frommy credit report immediately. 
Provide me with written confirmation of the resolution and an updated credit report. 
Impact on Me : Equifax 's failure to address this dispute has delayed my ability to secure a mortgage, caused financial harm, and resulted in significant emotional distress. 
I respectfully request your agencys intervention to enforce compliance with the FCRA and hold Equifax accountable for these ongoing violations. Please feel free to contact me at XXXX for any additional information or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, CFPB IVE HAD ENOUGH IM CONTACTING MY ATTORNEY, ATTONEY GENERALS OFFICE AND GON NA LITIGATION WITH THE COURTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
In XX/XX/year> I purchased a hat from XXXX XXXX. In the amount of {$560.00} and upon receiving it, it was not as described and looked completely different than the product picture in their website. Their website and customer service stated that if there was an issue, send the item back to the warehouse. I paid for the item to be sent back at the post office and a few weeks after that I had started reaching back out to customer service and they werent responding. The post office didnt give me a receipt either so I dont have the tracking number but I feel like they got it because of the non-response. I have never been scammed like this before so I have kept trying to dispute with Goldman Sachs ever since on my Apple Credit Card and they keep denying my dispute. I dont feel like I should have to pay for something I dont own

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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, Experian 's 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 Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 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 am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, 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 's 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 complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I ask to me removed : To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Remove Unauthorized Hard Inquiry from XXXX  XXXX XXXX Dear Sir or Madam, I am writing to formally request the removal of an unauthorized hard inquiry made by XXXX XXXX XXXX from my credit report. Upon reviewing my credit report, I noticed a hard inquiry dated [ Date of Inquiry ] that I did not authorize. 

Please be advised that I have not applied for any new credit with XXXX  XXXX XXXX nor have I given permission for this inquiry. I respectfully request that you remove this inquiry from my credit report as it was made without my consent. 

To assist in this investigation, I have included the following information : XXXX XXXX XXXX Hard Inquiry Date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX My Full Name : [ Your Full Name ] My Address were included My Social Security Number were included Enclosed, please find a copy of my drivers license and a recent utility bill as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA ), only authorized inquiries should appear on my credit report. As this inquiry was made without my permission, I request that it be removed and that a confirmation letter of the removal be sent to my updated address. 

Thank you for your prompt attention to this matter. If you require further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX Enclosures : 1. Copy of drivers license 2. Copy of recent utility bill

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 2025-01-25 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:
From XXXX to XX/XX/year>, I was undergoing mission training at a U.S. Army military base. I have never contacted XXXX XXXX for any financial services. However, my credit report shows a new auto financing account from XXXX XXXX, with an outstanding balance of {$23000.00}. The account was opened on XX/XX/year>, during which I was undergoing XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. Since this unauthorized account was added under my name, my credit score has plummeted from XXXX to XXXX. 

This is a case of identity theft. I have called XXXX XXXX and TransUnion to request an investigation, but their response has been extremely slow. I have already filed a report with the XXXX Police Department in XXXX XXXX, and the case number is XXXX. 

I have since retired and returned to XXXX XXXX, but XXXX XXXX has caused a significant negative impact on my life. They have been irresponsible in promptly completing the investigation. Due to the damage to my credit, I am now unable to rent an apartment, and my life has been severely disrupted. I am seeking your assistance.

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 2025-01-25 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: NV

Complaint narrative:
I am filing a complaint against experian for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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, Experian 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 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 Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are extremely inaccurate and nothing ever changes

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are extremely inaccurate and nothing ever changes

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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
Avant credit card - I have been getting charged a XXXX fee every month in addition to the interest charge. when i inquired the company told me there was a change made to agreement. when i signed up for this credit card that was not in the agreement. they made this change in agreement when i was already a customer. this is unfair practice adding burden to the consumer on top of the interest charges i pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Here is the updated complaint with the inclusion of the CFPB lawsuit against XXXX : Complaint Regarding Experians Violation of the Fair Credit Reporting Act ( FCRA ) I am filing this complaint regarding Experians handling of my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). I previously filed a dispute requesting verification of negative items on my report. XXXX initially removed these disputed items but later re-added them without providing proper verification. This action is misleading, non-compliant with FCRA guidelines, and detrimental to my credit profile. 

This issue reflects a larger pattern of systemic non-compliance by XXXX, as evidenced by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX. The CFPB alleges that XXXX failed to remove inaccurate information from credit reports despite being obligated to do so under the FCRA. This demonstrates ongoing negligence in ensuring accurate and fair credit reporting. For more details on the lawsuit, you XXXX refer to this source : CFPB Sues XXXX Over Failure to Remove Errors on Credit Reports. 

Below are the specific items I am disputing that XXXX continues to report inaccurately : XXXX. XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Account charged off, {$3300.00} written off, {$3100.00} past due as of XX/XX/XXXX Balance : {$3100.00} This account is scheduled to remain on record until XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account, {$510.00} past due as of XX/XX/XXXX Balance : {$510.00} This account is scheduled to remain on record until XX/XX/XXXX. 
XXXX. XXXX XXXX Account Type : Cell Phone Date Opened : XX/XX/XXXX Status : Collection account, {$1200.00} past due as of XX/XX/XXXX Balance : {$1200.00} This account is scheduled to remain on record until XX/XX/XXXX. 

These accounts either contain inaccurate or unverifiable information that XXXX has failed to substantiate. Under the FCRA, XXXX must ensure that all information reported is accurate and complete. Failing to do so violates my rights as a consumer. 

I formally request that XXXX : XXXX. Permanently remove these inaccurately reported items from my credit report. 
XXXX. Provide me with proper documentation proving the validity of these accounts if they choose to continue reporting them. 

If XXXX fails to address and resolve this issue within 7 days, I will proceed with legal action under the FCRA. Please note that violations of the FCRA may result in statutory damages of {$1000.00} per violation, as well as actual damages, punitive damages, attorneys fees, and court costs. 

I expect immediate action on this matter. 

Sincerely, XXXX XXXX XXXX Let me know if you need further customization!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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 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, Equifax 's 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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 complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts, address, name that I mark as inaccurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I disputed this item on my credit reports, and they claim it is a valid debt. In fact, I am currently with the phone company and have purchased devices. How ironic that when I opened a new account in XXXX of XXXX, I had something in collections the same month. Neither the collection agency nor the phone company provided proof. Very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

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 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 's 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX 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 complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts, address, name that I mark as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 filing a complaint against cashapp ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take the 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
I am filling a complaint with XXXX for failing to properly investigate my disputes regarding in accuracies in my credit report. Despite my submissions XXXX consistently respond within 24 hour that 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 's 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 XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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