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:
Follow-Up on Complaint # CFPB XXXX Regarding Erroneous Reporting to Equifax and XXXX Dear CFPB, I am writing to follow up on a report I submitted to you on XX/XX/year>, under complaint number CFPB XXXX. The complaint detailed erroneous reporting of an account associated with my social security number ending in XXXX to the credit bureaus Equifax and XXXX. I would like to address a serious issue with the investigation process and request further action regarding this matter. 

According to my original complaint, XXXX XXXX is erroneously reporting an account under my name and social security number, even though I have no knowledge of this account and it does not belong to me. After submitting my complaint, I was informed that a verification process was conducted, which confirmed the account as valid. However, this verification appears to be based on an erroneous or fraudulent investigation, as I have no such account. 

In addition, when the CFPB reached out to XXXX XXXX, they responded by stating that the account does not belong to me. If this is indeed the case, I fail to understand why the account is still being reported to both Equifax and XXXX under my name. Despite this clarification from XXXX XXXX, the account remains on my credit reports, which is damaging my credit and causing me unnecessary distress. 

I believe the current situation is a result of incorrect or negligent handling of the issue, and I request that the erroneous account be deleted from my credit reports with immediate effect. It is vital that accurate information is reported, and I believe XXXX XXXX has failed in its duty to correct the mistake. 

As a result of this ongoing issue, I am considering pursuing a consumer civil suit against XXXX XXXX for the damage caused to my credit and for failing to remove the fraudulent account after acknowledging the error. 

Please advise me on the next steps I should take in order to resolve this matter. I am seeking a prompt resolution and would appreciate your assistance in ensuring the erroneous reporting is corrected and removed from my credit reports. 

Thank you for your attention to this matter.

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: MS

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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: SC

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
Dispute filed for XXXX transaction on XX/XX/year> through Chime XXXX XXXX XXXX  and was denied although I never received items. 
Another dispute filed for transaction of XXXX on XX/XX/year> through Chime XXXX  XXXX XXXX  and haven't received items.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian owns " Experian Clarity Services '' ( XXXX ). Experian has my personal information for my credit history. I am able to freeze and unfreeze my credit with Experian. XXXX is owned by Experian but claims they have none of my information yet XXXX reports a credit freeze on my credit report and this halts me getting a loan. I am unable to remove the credit freeze with XXXX. I AM ABLE to place and remove a credit freeze with Experian ( Owner of XXXX ). 

XXXX requires me to send via snail mail or fax my social security card, birth certificate, and other private information. 

XXXX MUST GET THEIR OWN SYSTEM UPDATED FROM THEIR OWNER COMPANY Experian so I can start/stop credit freezes when I need. 

I refuse to send this personal information to XXXX thru the mail. No way. I've already had my identity stolen.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
-- - [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX ga XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Reporting Agency [ XXXX or XXXX Dear [ XXXX or XXXX ], I am writing to formally dispute the inaccurate information that appears on my credit report under my name, [ XXXX XXXX, XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. 

Upon reviewing my credit report, I discovered that the entry for [ specific account related to XXXX, provide account number if available ] is incorrect. Specifically, [ briefly explain the inaccuracy, e.g., " the reported amount is {$14000.00} when I owe {$0.00} dollars This misinformation is negatively impacting my ability to obtain credit and housing. '' ] Under Section 609 of the FCRA, I am entitled to request a review of this data and receive accurate credit reporting. I am requesting that you investigate this matter and provide me with a written response regarding the outcome of your investigation. 

Please consider this letter a formal request for correction of the inaccurate information, as outlined in Section 611 of the FCRA : 1. Investigate the disputed information.

2. Correct or delete any inaccurate, incomplete, or unverifiable information within 30 days.

3. Provide me with written confirmation of the results of your investigation.

Please conduct this investigation as required under the FCRA, ensuring a full resolution that protects my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: TX

Complaint narrative:
I am filing this complaint regarding the inaccuracy of this item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the creditor and reporting agencies, it remains unresolved. 

Experian has failed to fulfill its legal obligation under the Fair Credit Report 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 evidence and prior attempts provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. 

Below are the following accounts with inaccurate information and attempts have been made to remedy the account standings : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; number : 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
South west credit XXXX owed i never use OR HAD CREDIT LINE FROM THEM SOMEONE FRAUDULENT STOLE MY Identity an i will like if this is removed off my account putting more points

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: CBC Companies, Inc.
State: TX

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 & # 39 ; 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 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that Experian : XXXX. Conduct a thorough reinvestigation of the following disputed account XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX Spring oaks Dear Sir/Madam, I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with account number I believe that your attempts to collect this debt are in violation of the Fair Debt Collection Practices Act, as I have disputed the validity of this debt in writing and have not received proper validation from your agency. 

I am requesting that you provide me with proof of the debt and cease all collection efforts until such time that you can provide me with the necessary documentation. 

Failure to comply with this request will result in further legal action being taken against your agency. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Ive been a customer with Capital One Bank since XX/XX/XXXX, starting with a XXXX savings account. I kept this savings account from XXXX until XX/XX/XXXX. In XXXX, after purchasing my home ( in XXXX ), I withdrew funds from this account for home improvements. During my visit to the branch, the teller noticed that my savings account was an older version and informed me about the XXXX XXXX account, which offered higher yields. She explained there were no costs to set up the new account and transfer funds from the old one, and that it would only take a few minutes. I agreed, but I couldnt help wondering why they hadn't automatically moved me to the new account, especially since the old one wasnt available anymore. Why was this done as a courtesy to their existing customers who would not have know unless informed by someone in the bank. I had been maintaining average balances of at least {$170000.00}, and prior to closing on my home, I had over {$210000.00} in the account.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX/Equifax/XXXX  have violated my rights.

Under 15-USC, 1681 Section 602 states I have the right to privacy.

Under 15-USC, 1681 Section 604a also states a consumer report agency can not furnish an account without my written instructions.

Under 15-USC, 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX have violated my rights.

Under 15-USC, 1681 Section 602 states I have the right to privacy.

Under 15-USC, 1681 Section 604a also states a consumer report agency can not furnish an account without my written instructions.

Under 15-USC, 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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