vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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 bring to your attention XXXX failure to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite my attempts to dispute inaccurate and unverifiable information on my credit report, XXXX has failed to conduct a reasonable reinvestigation of the disputed items, leaving these errors unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, citing systemic issues including failure to : Forward consumer-provided evidence to furnishers, Address unreliable responses, and Notify consumers of dispute outcomes appropriately. These issues align closely with my personal experience. Despite providing sufficient evidence to support my disputes, XXXX has not corrected or removed the erroneous items. This negligence has caused harm to my credit standing and undermines my rights as a consumer under federal law. 
I respectfully request immediate corrective action, including the removal or amendment of the disputed accounts. I believe Experians inaction represents a clear violation of federal law and requires intervention to ensure compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

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 proce 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 47 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered incorrect personal information on my credit report including an outdated address and multiple incorrect variations of my name. I filed disputes with Experian, XXXX and XXXX but have not received a satisfactory resolution.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/year>, while applying for insurance from XXXX XXXX XXXX, the insurance gave me a quote and upon conducting a background check through XXXX XXXX my quote went up to an extreme amount more due to the illegal reporting of XXXX XXXX. I was giving XXXX XXXX phone number and inquired about the information they gave to XXXX and was told that the report could only be mailed to me and it will take XXXX business days, also, the information XXXX XXXX gave the Insurtance company were convictions given by the court. 
XXXX XXXX Complaint Number is XXXX,. 
I did XXXX ot consent to XXXX XXXX giving any of my information to third party or anybody conducting a background. I also requested for them to remove me from their network and or system. I never signed any contracts or gave XXXX XXXX my information to give or provide information or statu of my person. 
When contacting XXXX XXXX they also request social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AR

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 USC S 1681 which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX 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 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
Consumer complaint received 2025-01-24 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: AR

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 USC S 1681 which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  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 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
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint concerns unauthorized charges on my Bank of America credit card and the bank 's failure to address and resolve a formal dispute in accordance with its legal obligations. 

On XX/XX/year>, at approximately XXXXXXXX XXXX, I received a " Substitution of Attorney '' document from XXXX XXXX XXXX XXXX, effectively terminating my service agreement with them. Despite this clear termination of our professional relationship, the merchant charged my credit card the same day for {$10000.00}, citing an " overdue balance. '' This " overdue balance '' was based on an invoice I had already formally disputed with the firm. According to the terms of our fee agreement, the merchant was prohibited from charging my credit card while the invoice remained under dispute. By processing this charge, XXXX XXXX XXXX XXXX violated the terms of our agreement, making the {$10000.00} charge unauthorized and unlawful. 

Immediately upon noticing the charge, I reported it to Bank of America on XX/XX/scrub>XXXX XXXX and initiated a formal dispute. On XX/XX/year>, I submitted a detailed dispute letter to Bank of America, which included documentation of the service termination, the unauthorized nature of the charge, and the relevant clauses of the fee agreement that had been breached. 

Despite these timely and comprehensive actions on my part, Bank of America has failed to investigate the dispute adequately or provide any meaningful updates on the status of my case. This failure to act violates the Fair Credit Billing Act, which requires creditors to investigate billing disputes promptly and resolve them in a timely and transparent manner. 

Bank of Americas lack of action leaves me with no choice but to escalate this matter. Their inaction not only undermines my trust in their services but also suggests non-compliance with legal obligations to protect their customers from unauthorized charges. I demand immediate resolution of this dispute, including a full reversal of the unauthorized {$10000.00} charge, along with a clear explanation for the delays and failure to investigate this matter appropriately. 

This version emphasizes key points such as the contractual violation, the legal obligations under the Fair Credit Billing Act, and your timely actions to escalate the dispute. It also directly calls out Bank of America 's shortcomings while maintaining a formal tone.

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 2025-01-24 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:
My credit report contains inaccurate information, which is not meeting the standards outlined in the Fair credit reporting Act. The current reporting fails to meet legal requirement and I'm requesting removal of these accounts. Under 15 USC 1681b, which governs permissible purposes for reporting consumer information. The accounts listed below appear to lack a lawful purpose for being included in my consumer report and therefore, must be removed to comply with federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit bureau failed to verify information and provide me results 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In my previous dispute, there was an unfortunate oversight where incorrect documentation and mismatched CFPB dispute documentation were submitted. Despite this error, it is imperative to address the inaccuracies on my credit report to ensure compliance with federal regulations. I have included the correct documentation with this letter and expect immediate action to resolve these matters. 

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I have reached out for proof of this debt that I have no knowledge of no response. .. {$180.00} total u foreseen debt on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/ XXXX XXXX I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX Account/ XXXX XXXX  number XXXX XXXX Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: MS

Complaint narrative:
MY CREDIT REPORT IS REPORTING 4 ACCOUNTS THAT ARE INACCRATE, UNVERIFIED AND ARE AVIOLATION OF THE FCRA. THE ACCOUNTS ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND DIFFERENT AND INACCURATE PAYMENTS IN THE PAYMNET HISTORY BETWEEN XXXX, TRANSUNION, AND XXXX. THESE ACCOUNT WILL BE DELETED IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
I am filing this complaint regarding TransUnion 's failure to remove inaccurate information from my credit report despite multiple dispute letters and notification to the FTC. Both XXXX and XXXX have removed the following accounts, yet TransUnion continues to report them inaccurately : Office of Attorney General ( XXXX XXXX XXXX XXXX ) Incorrect payment history from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
Office of Attorney General ( XXXX XXXX XXXX XXXX ) Incorrect payment history from XX/XX/XXXX XXXX XXXX XXXX XXXX This account is also reporting conflicting data, with a payment status of " 120 days past due '' while the payment history reflects " 90 days late. '' Additionally, the balance on this account is incorrect. 
Despite being notified through multiple dispute letters, TransUnion has failed to conduct an independent investigation and instead continues to rely solely on creditor-provided information. This practice violates the Fair Credit Reporting Act ( FCRA ) and the precedent set by XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which requires credit reporting agencies to perform a reasonable investigation rather than blindly accept creditor-provided information. 

TransUnions failure to remove these inaccurate accounts from my report constitutes negligent non-compliance under the FCRA. I have attached a copy of my FTC notification and documentation of the erroneous accounts for your reference.

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 2025-01-24 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:
My credit report contains inaccurate information, which is not meeting the standards outlined in the Fair credit reporting Act. The current reporting fails to meet legal requirement and I'm requesting removal of these accounts. Under 15 USC 1681b, which governs permissible purposes for reporting consumer information. The accounts listed below appear to lack a lawful purpose for being included in my consumer report and therefore, must be removed to comply with federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CREDIT BUREAUS FAILED TO CONDUCT REINVESTIGATIONS AND PROVIDE INVESTIGATION RESULTS

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 2025-01-24 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:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.

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 2025-01-24 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:
I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that 4 to 5 accounts have been opened under my name without my knowledge or consent. These accounts include charge-offs and collections, which have negatively affected my credit score and financial reputation. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized any of these accounts or transactions and I have been a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-24 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:
I am writing to bring to your attention Experians failure to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite my attempts to dispute inaccurate and unverifiable information on my credit report, Experian has failed to conduct a reasonable reinvestigation of the disputed items, leaving these errors unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, citing systemic issues including failure to : Forward consumer-provided evidence to furnishers, Address unreliable responses, and Notify consumers of dispute outcomes appropriately. These issues align closely with my personal experience. Despite providing sufficient evidence to support my disputes, Experian has not corrected or removed the erroneous items. This negligence has caused harm to my credit standing and undermines my rights as a consumer under federal law.

I respectfully request immediate corrective action, including the removal or amendment of the disputed accounts. I believe Experians inaction represents a clear violation of federal law and requires intervention to ensure compliance.

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