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 — 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 investigate my disputes regarding inaccuracies on my consumer report. Despite my Identity Theft Report that was submitted to them, they continue to not comply with FCRA law and remove the items listed on the letter that was submitted to them along with ALL forms of identification. Apparently I am not the only one that they are doing this to due to the recent lawsuit filed against them by the CFPB for willful non-compliance 15 USC 1681n. This practice also violates the Fair CreditReporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Per 15 USC 605 ( b ), they had 4 days to remove these items to date these items still remain o my report.

Furthermore, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 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: TX

Complaint narrative:
Hello - I put in late payments dispute for 2024 with XXXX XXXX XXXX and it was not investigated. Additionally, I have asked for old accounts to be removed ( well over 10 years since closing ). Additionally, I have bay country finance is reporting incorrectly and I have requested for it to be removed. I submitted over two formal disputes and they still remain and negatively effect my credit. Furthermore, I have asked that unknown associated addresses be removed, as I don't recall the address.

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 2025-01-26 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: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Experian for its failure to properly investigate my credit dispute, resulting in the continued reporting of false and damaging information on my consumer report. As a direct recipient of Experians sham investigation practices, which the CFPB has recently highlighted in its lawsuit, I am requesting immediate intervention to rectify this matter. 

Issue : Experians Failure to Investigate My Dispute Properly I disputed an XXXX XXXX account over XXXX times, that is inaccurately reporting as a charge-off, despite the fact that the account was Paid in Full ( PIF ). I provided clear documentation proving that XXXX XXXX made an error, yet Experian has refused to remove or correct this inaccuracy, blindly accepting the furnishers response without conducting a proper investigation. 
Violation of FCRA & CFPBs Allegations Against Experian The CFPB has sued Experian for its failure to conduct proper reinvestigations of consumer disputes, and I have personally experienced the very practices the lawsuit describes, including : Experian conducting sham investigations that fail to properly address consumer disputes. 
Experian failing to accurately convey dispute details to the furnisher. 
Experian uncritically accepting the furnishers response, even when provided with clear evidence to the contrary. 

These actions violate 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct reasonable investigations of disputed information. XXXX negligence has severely impacted my credit profile, affecting my ability to obtain credit and financial stability. 
Requested Action by the CFPB I am requesting that the CFPB intervene and investigate Experians handling of my dispute to ensure compliance with the FCRA. Specifically, I am asking that : XXXX. Experian delete XXXX XXXX  XXXX from my consumer or update to Paid In Full XXXX. Experian be required to properly investigate my dispute and correct or delete the inaccurate XXXX XXXX account from my credit report. 
XXXX. Experian provide a written explanation detailing why my documented evidence was ignored in favor of an unreliable furnisher response. 
XXXX. The CFPB hold Experian accountable for its repeated failure to uphold consumer rights and compliance with federal law. 
I appreciate your time and attention to this matter. I look forward to your response and confirmation of action taken against Experian to protect consumers from these deceptive and unlawful practices. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2025-01-26 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 Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Experian consistently responds within XXXX hours stating 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. 1681, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as they are currently under investigation by the CFPB 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. 

These are the accounts I'm have disputed as inaccurate : XXXX XXXX {$840.00} XXXX  XXXX  {$400.00} XXXX XXXX XXXX has been paid and closed and they requested a removal and all the other other credit beareus have deleted it from my credit report except 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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
I have numerous accounts with errors on my credit report that I have disputed and need removed from my credit report.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Dispute Department- 15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately. 

Remove Incorrect Name- XXXX XXXX XXXX ID # XXXX Remove Addresses- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Numbers- XXXX ; XXXX These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of the accounts below : Remove Hard Inquries as I did not authorize : XXXX XXXX XXXX  XX/XX/year> Please remove immediately. 

Thank you- 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 2025-01-26 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: OH

Complaint narrative:
The debts on my account do not belong to me for payday loans and I am getting my FICO lowered because of it.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I the consumer XXXX XXXX is making a statement I noticed negative marks on my report TransUnion is reporting inaccuracies on my report however these accounts are closed, and the balances, and account type on my reports are inaccurate. ( ACCOUNTS : XXXX XXXXXXXX ) it shows on my report the account type : open, remarks closed, also the date closed shows XX/XX/year>, XX/XX/year>, and the balances on each of them are inaccurate. If theres a date which shows the account was closed how is the account type OPEN this is inaccurate information. According to the FCRA, any inaccuracies should be removed from consumer reports. U.S.C 1681b permissible purposes of consumer reports it states a consumer report may furnish a consumer report under the following circumstances and no other in response to the order of court having a jurisdiction to issue such order, child support, employment, and credit. Which means TransUnion is violating the FCRA. I ask for TransUnion to remove these closed accounts from my credit report which are in violation of the FCRA, and theyre affecting my credit worthiness.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I the consumer XXXX XXXX is making a statement I noticed negative marks on my report TransUnion is reporting inaccuracies on my report however these accounts are closed, and the balances, and account type on my reports are inaccurate. ( ACCOUNTS : XXXX XXXXXXXX ) it shows on my report the account type : open, remarks closed, also the date closed shows XX/XX/2024, XX/XX/2024, and the balances on each of them are inaccurate. If theres a date which shows the account was closed how is the account type OPEN this is inaccurate information. According to the FCRA, any inaccuracies should be removed from consumer reports. U.S.C 1681b permissible purposes of consumer reports it states a consumer report may furnish a consumer report under the following circumstances and no other in response to the order of court having a jurisdiction to issue such order, child support, employment, and credit. Which means TransUnion is violating the FCRA. I ask for TransUnion to remove these closed accounts from my credit report which are in violation of the FCRA, and theyre affecting my credit worthiness.

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 2025-01-26 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I never authorized the inquiries your company has placed on my credit report, and theyre hurting my credit score.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since XX/XX/XXXX I have placed an initial fraud alert and explained to numerous XXXX employees I have received so many confirmations and have XXXX total disputes currently and XXXX active to then say they removed or deleted personal information but it still post on XXXX or back into my credit report mailed to me. I have a child support paid off from California that should be deleted and not on my credit file. I have repeatedly asked for thorough investigations and to correct the reporting of payments not being reported or accounts that must be deleted off my account due to fraud, write offs, charge offs or closed accounts not on bad standing and paid off. Their is also a XXXX loan that needs to be looked at on my report that I have not made one payment because of deferment and XXXX pushing deferment but it states {$1000.00} has been paid towards it on myEquifax account. XXXX has yet to delete several accounts that must be deleted. I have submitted CFPB complaint in XX/XX/XXXX and mailed dispute letters to all three major credit reporting agencies and soon thereafter XXXX was informed by Transunion of two particular accounts that should be deleted and they deleted but are still at stake the most for the breach of account in my name. XXXX deleted those off of their report but Transunion nor XXXX has done the same following the complaint number XXXX in XX/XX/XXXX. This complaint goes for all three credit agencies because the same errors and violations of credit reporting go along with Transunion and XXXX who have also willfully continue to violate and administer bogus investigations with deliberate disregard and noncompliance of FCRA and CCRA, Acts in place, Federal codes, Bus. Prof codes, Civil codes and regulations that are designed to protect consumers. I will pursue the restoring of my personal FICO credit score back to over XXXX by submitting evidentiary documents on the contrary to prove its not of my benefit nor a frivolous consumer law civil matter regarding these current issues with XXXX, XXXX and Transunion at this present time in 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 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: CA

Complaint narrative:
Since XX/XX/XXXX I have placed an initial fraud alert and explained to numerous XXXX employees I have received so many confirmations and have XXXX total disputes currently and XXXX active to then say they removed or deleted personal information but it still post on XXXX or back into my credit report mailed to me. I have a child support paid off from California that should be deleted and not on my credit file. I have repeatedly asked for thorough investigations and to correct the reporting of payments not being reported or accounts that must be deleted off my account due to fraud, write offs, charge offs or closed accounts not on bad standing and paid off. Their is also a XXXX loan that needs to be looked at on my report that I have not made one payment because of deferment and XXXX pushing deferment but it states {$1000.00} has been paid towards it on XXXX account. XXXX has yet to delete several accounts that must be deleted. I have submitted CFPB complaint in XX/XX/XXXX and mailed dispute letters to all three major credit reporting agencies and soon thereafter Experian was informed by XXXX of two particular accounts that should be deleted and they deleted but are still at stake the most for the breach of account in my name. Experian deleted those off of their report but XXXX nor XXXX has done the same following the complaint number XXXX in XX/XX/XXXX. This complaint goes for all three credit agencies because the same errors and violations of credit reporting go along with XXXX and Experian who have also willfully continue to violate and administer bogus investigations with deliberate disregard and noncompliance of FCRA and CCRA, Acts in place, Federal codes, Bus. Prof codes, Civil codes and regulations that are designed to protect consumers. I will pursue the restoring of my personal FICO credit score back to over XXXX by submitting evidentiary documents on the contrary to prove its not of my benefit nor a frivolous consumer law civil matter regarding these current issues with XXXX, Experian and XXXX at this present time in 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 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one is reporting false and negative information And as in properly investigating my account that is negatively impacting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions 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 TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 
This account is inaccurate 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