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: 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 with 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. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau ( KAB ) is a debt collection agency trying to collect a debt and employing tactics that are possibly illegal and unethical. 

XXXX filed a lawsuit in XXXX XXXX XXXX XXXX XXXX XXXX but failed to properly validate the debt since KAB is not the original creditor.

I asked KAB to provide information on how the debt was obtained and how much was paid to obtain the debt.

It's possible that I had insurance on the debt provided by the original creditor etc.

KAB is trying to collect about XXXX times more than what they claim I owe but again, failed to validate the debt properly by not providing me with all the necessary details on how the debt was obtained.

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: SC

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 2025-01-24 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Dispute Resolution Team, I am writing to formally dispute inaccurate information that has appeared on my credit report. After reviewing my credit file, I have identified several discrepancies that I believe are erroneous. I am requesting a full investigation into these issues and an immediate correction of any inaccuracies. 
These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and integrity of the data reported. I am aware of similar legal actions involving inaccurate reporting, such as the case in which " The Cupboard '' filed a lawsuit against XXXX for the same recurring issues, where it was found that XXXX failed to accurately investigate or resolve disputes, leading to continued misinformation on credit reports. 
Here are the specific items I am disputing : Midland credit management {$620.00} XXXX XXXX XXXX {$370.00} XXXX hard inquiries I also request that you provide me with written confirmation of the results of your investigation, including any corrections made to my file. 


I expect a timely response within the XXXX period, as required by the Fair Credit Reporting Act, and I trust that these issues will be resolved promptly to ensure my credit report is accurate and reflects only correct information. 

Thank you for your immediate attention to this matter. Should you need any additional information or documentation to facilitate your investigation, please do not hesitate to contact me. 
Sincerely, XXXX XXXX

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

Complaint narrative:
XXXX XXXX XXXX has reported XXXX credit card accounts but failed to validate the debt. I asked for original creditor 's information and how the debt was obtained including how much they paid for the debt. 

It's possible that I had credit card insurance to cover the balance that was provided the my original creditors. 

I am also a subscriber of the free version of the XXXX app and it seems Transunion and XXXX data has not be updated. 

For example, it's still showing that I owe over $ XXXX in student loans but my loans were cancelled last year

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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery Services has reported 2 credit card accounts but failed to validate the debt. I asked for original creditor 's information and how the debt was obtained including how much they paid for the debt. 

It's possible that I had credit card insurance to cover the balance that was provided the my original creditors. 

I am also a subscriber of the free version of the XXXX app and it seems XXXX and XXXX data has not be updated. 

For example, it's still showing that I owe over $ XXXX in student loans but my loans were cancelled last year

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian, XXXX, and XXXX XXXX. Have been unfairly reporting my credit. All 3 have been misusing my personal information. I am aware of what's going on with the lawsuit and want to join in on it. I need all 3 credit scores fixed somehow. I am a XXXX veteran and am on the rebound rebuilding. I am trying to buy my wife and I a house but can't unless the lies of my reports are cleaned up. It seems they're always on the side of the reporter and not us the consumer leaving our scores lower than they should be.

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: CA

Complaint narrative:
I 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. 16811, 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 the account is accurate without previding 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. 2025-CFPB-0002 ) 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 mark in accurate XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
They did not properly investigate this situation. I disputed it multiple times and wished to have this removed all of my credit immediately.

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: FEDChex Recovery, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate and/or incomplete information being reported on my credit file regarding the following accounts : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXXXXXX Upon reviewing my credit report from XXXX, I have identified erroneous and/or unverifiable information associated with these accounts. I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including, but not limited to, 15 U.S.C. 1681o for negligent noncompliance. 


The issues I am disputing are as follows : XXXX XXXX : The account was closed and settled but is still being reported incorrectly. 
XXXX XXXX : This account reflects a balance I do not owe. This account does not belong to me and is being reported inaccurately. 
XXXX XXXX : This account reflects a balance I do not owe. This account does not belong to me and is being reported inaccurately. 
XXXX XXXX XXXX : This account contains incorrect late payments. 

XXXX XXXXXXXX : This account contains incorrect late payments. 


Under the FCRA, I request that you : 1. Conduct a thorough investigation of these accounts. 
2. Provide me with documentation supporting the validity of the information being reported, including contracts or agreements bearing my signature ( if applicable ). 
3. Correct or remove any unverifiable, inaccurate, or outdated information from my credit report. 

If you can not verify the accuracy of the accounts, I request their immediate removal from all reporting bureaus.

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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate and/or incomplete information being reported on my credit file regarding the following accounts : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX Regional Acceptance Co XXXX XXXX XXXX Upon reviewing my credit report from XXXX, I have identified erroneous and/or unverifiable information associated with these accounts. I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including, but not limited to, 15 U.S.C. 1681o for negligent noncompliance. 


The issues I am disputing are as follows : XXXX XXXX : The account was closed and settled but is still being reported incorrectly. 
XXXX XXXX : This account reflects a balance I do not owe. This account does not belong to me and is being reported inaccurately. 
XXXX XXXX  : This account reflects a balance I do not owe. This account does not belong to me and is being reported inaccurately. 
Regional Acceptance Co : This account contains incorrect late payments. 

XXXX XXXXXXXX : This account contains incorrect late payments. 


Under the FCRA, I request that you : 1. Conduct a thorough investigation of these accounts.

2. Provide me with documentation supporting the validity of the information being reported, including contracts or agreements bearing my signature ( if applicable ).

3. Correct or remove any unverifiable, inaccurate, or outdated information from my credit report.

If you can not verify the accuracy of the accounts, I request their immediate removal from all reporting bureaus.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent letters since XXXX  and between XXXX to have them correct information on my report. Such as name, loans, accounts that do not belong to me. Inquires that were not pulled by me.Incorrect address. There are names and addresses on my account that I have never known before. I tried to dispute it several times and they denied me.i was even a victim of fraud.

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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 


In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: FL

Complaint narrative:
Everything that I have disputed on my credit report has came back updated and Experian has listed itself as the source. There was no investigation done to properly verify. I listed 15 U.S. Code 6802 No financial institution can share your non public information with a third party entity. The credit bureaus are a third party entity. 
Debt Collectors are 3rd party entities.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear CFPB, I am submitting this dispute regarding inaccurate information being reported by XXXX and TransUnion on my credit reports. These agencies are currently reporting a bankruptcy as a voluntary dismissal ; however, this case was dismissed in federal court as of XX/XX/year>, and should no longer appear on my credit file as it is irrelevant and outdated. 

Under the Fair Credit Reporting Act ( FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information reported. The continued reporting of this dismissed bankruptcy violates this law, as the information is misleading and harmful. 

Furthermore, FCRA 611 [ 15 U.S.C. 1681i ] states that credit reporting agencies must investigate disputed information and remove or correct inaccurate or incomplete entries. The dismissed bankruptcy no longer holds any legal or financial relevance and should be removed in its entirety from my credit reports. 

This false and outdated reporting has caused significant harm to my creditworthiness and ability to access financial opportunities. I request the immediate removal of the dismissed bankruptcy to prevent further inconvenience and inaccuracies. 

I am providing the following supporting documents : A copy of the dismissal order dated XX/XX/year>, from the federal court. 
Recent credit reports from XXXX and TransUnion showing the inaccurate bankruptcy listing. 
I respectfully request that the CFPB ensure XXXX and TransUnion comply with the FCRA by removing this dismissed bankruptcy. I look forward to confirmation of its removal or further instructions within 30 days.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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