vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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 2025-03-22 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S.Code 1681e ( by accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the madmum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifable information ( A ) in general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified.

the consumer reporing agency shall- <prompty delete that item of information from the fie of the consumer, or modify that item of information, as appropriate, bused on the resuts of the reinvestigation; and ( i ) promptly notify the fumisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the followirig items from my credit 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 explanation
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
This is a resubmission of my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflect exactly why the CFPB is suing Zelle under violations of the consumer Financial Protection Act ( CFPA ) and Electric Fund Transfer Act ( EFTA ). Per the CFPB 's lawsuit filed 12/20/24 ( XXXX XXXX ), Zelle failed to implement adequate fraud prevention measures and investigate consumer claims, resulting in over {$870.00} XXXX in documented fraud losses. Your claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U.S.C s XXXX ), financial institutions must conduct reasonable investigations of reported errors. My complaint warrants a proper investigation, not a dismissal. I initially attached proper documentation of the Zelle Transactions I am inquiring about from dates highlighted on my attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-22 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: Nelnet, Inc.
State: AZ

Complaint narrative:
There has been a breach of FERPA of my information has been compromised without my consent from XXXX and I demand my student loans be removed and cancel my student loan debt and discharge from my credit report and due to this violation of my financial and personal information. You have five business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: VA

Complaint narrative:
Over a year ago, TransUnion lowered my FICO score for no reason. Now, after being told that they did, they refuse to raise it back to at least XXXX. This is not complicated. A year on from when they lowered the score, my credit history is even stronger than it was because I have a year more of on time payments.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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. 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.

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 2025-03-22 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 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. 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.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am disputing multiple accounts on my credit report that contain errors, duplications, or unverifiable information. Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ), I am requesting an immediate investigation and removal of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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 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 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, someone hacked my customer account with EXPRESS and bought {$170.00} worth of clothes using my card. I immediately reached out to support to get the order canceled. They assured me the order was canceled. Five minutes later the hacker placed another order using my card. That order did go through and I immediately contacted my credit card company to cancel the transaction. I was assured that the {$170.00} pending charge on the first canceled order would not go through and it actually did go through. I havent heard anything from Sofi since my dispute was started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S.Code 1681e ( by accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the madmum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifable information ( A ) in general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified.

the consumer reporing agency shall- <prompty delete that item of information from the fie of the consumer, or modify that item of information, as appropriate, bused on the resuts of the reinvestigation; and ( i ) promptly notify the fumisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the followirig items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
Since XX/XX/year> I have received XXXX calls. CALLS ARE BEFORE XXXX My loan payment is 3 days past due and calls began immediately. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX These calls are excessive for only being 3 days past due and starting before XXXX especially on a Saturday is unnecessary. I work from home M-F my phone usage is limited and I have made them aware of this on several occasions.Westlake financial services collection tactics are extremely inconsiderate and harassing behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: IL

Complaint narrative:
I am filing this complaint against [ Experian, XXXX, and/or XXXX ] for their failure to properly investigate disputed items on my credit report, despite multiple attempts to resolve this matter in compliance with the Fair Credit Reporting Act ( FCRA ). 

Over the past 9 months, I have sent multiple dispute letters via certified mail requesting an investigation into inaccurate items on my credit report. Each letter included clear identification documents a copy of my drivers license, Social Security card, and proof of address to verify my identity. Despite providing all required documentation, I have not received responses from XXXX or XXXX stating they received my letters and Experian received my letters and responded saying they do not believe they were sent by me. This is a clear violation of the FCRA, which requires credit bureaus to conduct a reasonable investigation of consumer disputes within 30 days of receipt. I have mailed multiple compliance letters and provided all necessary documentation, yet the credit bureaus continue to ignore my dispute requests. Their refusal to investigate my disputes is causing ongoing harm, including negative impacts on my XXXX XXXX, denial of credit opportunities, and financial distress.

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 2025-03-22 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: IL

Complaint narrative:
I am filing this complaint against [ Experian, XXXX, and/or XXXX ] for their failure to properly investigate disputed items on my credit report, despite multiple attempts to resolve this matter in compliance with the Fair Credit Reporting Act ( FCRA ). 

Over the past 9 months, I have sent multiple dispute letters via certified mail requesting an investigation into inaccurate items on my credit report. Each letter included clear identification documents a copy of my drivers license, Social Security card, and proof of address to verify my identity. Despite providing all required documentation, I have not received responses from XXXX or XXXX stating they received my letters and Experian received my letters and responded saying they do not believe they were sent by me. This is a clear violation of the FCRA, which requires credit bureaus to conduct a reasonable investigation of consumer disputes within 30 days of receipt. I have mailed multiple compliance letters and provided all necessary documentation, yet the credit bureaus continue to ignore my dispute requests. Their refusal to investigate my disputes is causing ongoing harm, including negative impacts on my XXXX XXXX, denial of credit opportunities, and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
On XX/XX/scrub> 2025, I submitted a formal dispute to Equifax through their online portal, challenging the accuracy of an account reported by XXXX XXXX XXXX on my credit file. I provided all necessary identification details, including my full name, current address, date of birth, and the last four digits of my Social Security number, as required under the Fair Credit Reporting Act ( FCRA ).

Shockingly, within less than 24 hours, Equifax closed my dispute without conducting a reasonable investigation, a clear violation of their obligations under the FCRA. In response, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), prompting Equifax to reopen the dispute.

However, instead of addressing the dispute appropriately, Equifax has now embarked on a campaign of obstruction and retaliation. They are demanding excessive and irrelevant personal documents, including pay stubs, tax returns, and a copy of my Social Security carddocuments that are not required for identity verification under the FCRA and were never previously requested in past disputes. This sudden and unjustified escalation in documentation requirements appears to be a deliberate attempt to deter me from exercising my rights and to delay the resolution of my legitimate dispute.

It is important to note that in prior disputes, Equifax processed my submissions and corrected inaccuracies without requesting such intrusive documentation. This abrupt change in their procedure, especially following my CFPB complaint, suggests a retaliatory motive designed to impede my efforts to correct my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I was using the payment app Cashapp to buy a XXXX for {$460.00} and i ended up getting scammed, tried to dispute it with Cashapp but all they did was tell me to click a link they sent me to put in a refund but they kept sending a page link that just tells you how to keep youre account safe. A day later i called them and they said only youre bank can handle this but when i called my bank they said its a issue cashapp shouldve handled so i went back to tell cashapp what my bank informed me and they never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I am filing this formal complaint regarding the tradeline reported under the name XXXX, a secured installment account that was closed and fully paid as of XX/XX/year>2022. 
Despite having a {$0.00} balance, no past due amount, and a closed status, both TransUnion and Experian continue to report 60-day and 90-day late payments for the months leading up to the accounts closure. This reporting is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), consumer reporting agencies are required to maintain and report complete and accurate information. The presence of derogatory marks on a paid and closed account violates this requirement.

Additionally, Experian 's reporting abruptly cuts off, failing to match the full history reported by the other bureaus. This inconsistency across credit bureaus raises concerns of incomplete and unequal data furnishing, further violating FCRA guidelines.

I have attempted to dispute this item directly with the bureaus, yet the errors persist. I am requesting immediate deletion of account on all 3 credit reports.

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