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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried to get my credit report twice from 2 credit bureau and I havent successfully been able to receive my credit report from equifax, XXXX XXXX and annual report every time Im trying to pull the report it shows an error I have try to contact this company but no one gives me and answer why XXXX not able to retrieve 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: 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 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 ( 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've marked as inaccurate : XXXX  XXXX for {$210.00} opened XX/XX/XXXX XXXX  XXXX paid/closed opened XX/XX/XXXXXXXX XXXX XXXX XXXX  for {$320.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX for {$120.00} opened XX/XX/XXXXXXXX XXXX for {$6200.00} opened XX/XX/XXXX XXXX XXXX for {$5500.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX for {$130.00} opened 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 2025-01-25 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: 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 2025-01-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent in disputes to all 3 bureaus about the inquiries on my credit report in XXXX and earlier this month. Equifax and XXXX did close one account but all inquiries are still there. I asked them to provide proof and if it weren't provided that they kindly remove all of it from my credit report. It is effecting my report drastically and is getting in the way of me being able to get approved for apartments. Under the FCRA law 15 USC 1681i states that you need to show the procedure taken to verify the information verified on the 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

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

in 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, w
hich 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.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX-Debt Final Rule XXXX. XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX Debt XXXX and would like for all listed accounts to be blacked and deleted company information Transition. Please delete the following accounts. 

XXXX XXXX XXXX XXXX bal. {$550.00} XXXX XXXX XXXX XXXX bal. {$390.00} XXXX XXXX XXXX. {$900.00} XXXX XXXX bal. {$520.00} XXXX XXXX XXXX XXXXXXXX. {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: CBC Companies, Inc.
State: IL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXXXXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian XXXX XXXX XXXX, XXXX TX XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B Dear Sir/Madam, I am writing to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block the following fraudulent information appearing on my consumer credit report. This information, which is the result of identity theft and fraud, must be blocked within four business days of your receipt of this complaint. 
The fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX I Opened : XX/XX/year> Account Number : XXXX These accounts have resulted in fraudulent hard inquiries and collections being reported on my credit file. I have attached a list of the hard inquiries in question and a copy of my consumer XXXX credit report maintained by Experian, which includes the fraudulent accounts, collections, and inquiries mentioned above. 
I do not recognize any of these accounts, collections, or inquiries as legitimate. These items were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 
As proof, I have included a copy of the FTC Identity Theft Criminal Complaint ( Case # : XXXX ) which confirms that the accounts, collections, and inquiries in question are the result of identity theft. 

Fair Resolution Requested : I request that Experian block all of the fraudulent accounts, collections, and hard inquiries identified in this complaint from my consumer credit file, pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ), within four business days of receiving this complaint. Additionally, I ask that all written correspondence regarding this complaint be sent to me via email at XXXX. 
Thank you for your prompt attention to this matter. I look forward to confirmation that these items have been removed as requested.

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: Early Warning Services, LLC
State: SC

Complaint narrative:
I initially filed a complaint with Early Warning Services , LLC regarding their handling of my account. In response, they informed me that the issue had been resolved. However, this statement is not accurate. Despite their claims, I am still unable to enroll my phone number or email address with Zelle through XXXX XXXXXXXX XXXX When I attempt to do so, I receive an error message stating that I can not enroll and must contact my bank. Upon contacting XXXX XXXXXXXX XXXX, I was informed that Zelle is the party restricting my account. 

This situation has caused me significant frustration and stress. I rely on Zelle for financial transactions, and the inability to resolve this issue has created unnecessary complications in my daily life. I find it unacceptable that this problem persists despite repeated attempts to address it directly with Early Warning Services , LLC and Zelle. 

I am requesting your assistance in investigating this matter and ensuring that Early Warning Services , LLC and Zelle take the necessary steps to resolve this issue promptly. I also ask that they provide a clear explanation of the actions taken to prevent similar situations from occurring in the future. 

Please let me know if additional information or documentation is needed to assist with your investigation. I greatly appreciate your time and attention to this matter.

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 information incorrect
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Dear ALDOUS ( Original Creditor : XXXX XXXX XXXX ) I am writing to formally dispute an inaccurate entry on my credit report. The account with ALDOUS ( Original Creditor : XXXXXXXX XXXX XXXX ) and account number XXXX. This inaccurate reporting is negatively impacting my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. 

I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. 

Thank you for your assistance.

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: TX

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds 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, Equifaxs actio

ns 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 accounts are accurate, without providing any evidence of a thorough investigation or documentation provided from the inaccurate accounts.

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. 

The FCRA requires credit reporting agencies to conduct thorough reinvestigations and provide clear proof of account validity. Your repeated failure to comply with these obligations has caused harm to my creditworthiness. The accounts in question are : XXXX. XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX Despite my previous disputes and a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), you continue to report unverifiable information. Your claim of electronic verification is not sufficient under the law, as no physical documentation from the original creditors has been provided to substantiate these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to dispute the inaccurate reporting of late payments on my auto loan account with Truist Bank. According to my credit report, Truist Bank has reported that I missed payments for XXXX, XXXX, and XXXX which came up to XXXX ( including late fees ) This is false, and I have never missed a payment on this loan. The vehicle associated with this loan was wrecked on XX/XX/XXXX, which resulted in it being a total loss. As per the terms of the loan, my XXXX XXXX paid the remaining balance due on the loan. Therefore, I owe nothing to Truist Bank, and there should be no late payment reporting for the months following the total loss of the car. Despite this, my credit report reflects that I missed XXXX payments ( XXXX, XXXX, and XXXX ), which has caused my credit score to drop significantly. This is not only incorrect but has severely impacted my financial life and is a major inconvenience to me. I am requesting that this inaccurate information be removed from my credit report immediately. Furthermore, I have had consistent difficulties with Truist Bank, including slow response times, lost documentation, and lack of communication from their back office, which has added to the frustration of this situation. I have made every effort to resolve this matter directly with them, but the issues remain unresolved. Please investigate this matter and ensure that the false late payment information is corrected on my credit report. I request that you notify me once this issue has been resolved and my credit report has been updated accordingly. Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX-Debt final Rule 1002.142 ( b ) ( 4 ) -51002,142 ( b ) 7, I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed Accounts to be blocked and deleted company information Equifax .Please delete the following Account XXXX XXXX  Account Number XXXX XXXX XXXX i Account Number XXXX XXXX XXXX Account Number XXXX

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: TX

Complaint narrative:
This is not my account and was open due to fraud. 
Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/year> Status Open/Never late. 
Status updated XX/XX/year> Balance {$23000.00} Balance updated XX/XX/year> Recent payment {$590.00} as of XX/XX/year> Monthly payment {$490.00} Original balance {$26000.00} Highest balance - Terms XXXX Months

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is not my account and was open due to fraud. 
Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/year> Status Open/Never late. 
Status updated XX/XX/year> Balance {$23000.00} Balance updated XX/XX/year> Recent payment {$590.00} as of XX/XX/year> Monthly payment {$490.00} Original balance {$26000.00} Highest balance - Terms XXXX Months

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The ongoing errors on my report are not only frustratingtheyre outright harmful. My score is being dragged down by information that is either incorrect or cant be verified, and its costing me opportunities Ive worked so hard to earn. It feels incredibly unfair that Im being punished because of these mistakes.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
From XXXX to XXXX Navy federal would allow money to come out of my account without money being in my account. Then I got charged overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: NY

Complaint narrative:
CFPB I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i ( a ) ( 1 ) ( A ). Equifax failed to re- investigate my dispute and did not delete inaccurate information from my credit report. These practices are consistent with violations highlighted in the CFPBs lawsuit against Equifax.

attached is a copy of my dispute letter to Equifax

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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Investigation report number is XXXX completed on XX/XX/year> 2024

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
I had a cash app account and my {$600.00} stimulus check was deposited into it. I didn't get any notifications that it was and when i checked my cash app it said i paid {$600.00} to someone i didnt even know and that it was for groceries. I told cash app i did not send that and they gave me the run around and acted like they were investigating it but nothing ever came from it. This was back in late XXXX maybe early XXXX im not really sure because i have no emails or anything about it and i know i sent some but they are just gone

Company response to consumer: Closed with explanation