vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

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 2025-02-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS.

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 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
the company ONLINE INFORMATION SERVICES XXXX XXXX account # XXXX Located in XXXX XXXX XXXX XXXX NC XXXX and the phone number XXXX. 
they are trying with false information to collect the electricity payment in my name and with a false account number from XXXX XXXX. Right now, they tell me that it is a debt collector trying to collect the amount of {$240.00} XXXX  account # XXXX that i owed to XXXX XXXX, the first thing I did was compare the account number with mine and it is not the same. 
I called XXXX XXXX and they told me that the online information services account is false and does not exist. 
this company is trying to steal and scammed people of legal age. 
If they sent me this letter to me, how many other people have they sent also and scammed and they do not do what I did. Thank you for your help. If you need more information, you can contact me or my son. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: NJ

Complaint narrative:
I submitted multiple disputes to Equifax regarding an *inaccurate collection account ( XXXX XXXX XXXX XXXX XXXX XXXX ) appearing on my credit report. Despite providing substantial evidence and requesting a thorough investigation, Equifax classified my dispute as " frivolous '' and failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Additionally, Equifax has not provided any documentation or verification details to support the accuracy of the disputed account, despite my formal request under 15 U.S.C. 1681i ( a ) ( 7 ) and 1681g. Instead, Equifax has continued to report this account without proper verification, violating my consumer rights. 

Furthermore, I specifically requested manual verification instead of an automated e-Oscar process, citing the legal precedent XXXX XXXX XXXX XXXX XXXX, which requires a " reasonable '' investigation. However, Equifax has ignored this request and has continued to rely on automated processes that do not meet the FCRAs investigative standards. 

Additional Violations and Damages Equifaxs failure to comply with federal laws has resulted in the following damages and legal violations : Failure to Meet the XXXX Investigation Deadline The FCRA mandates a response within 30 days under XXXX U.S.C. 1681i ( a ) ( 1 ) ( A ). Equifax has failed to comply, further violating my consumer rights.

Negative Financial Impact Due to Equifax 's improper handling of my dispute, my creditworthiness has been negatively impacted, affecting my ability to secure credit and financial opportunities.

Unverified Information Reporting Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must only report accurate and verifiable information. Since Equifax has not provided documentation supporting the validity of the disputed account, its continued reporting constitutes a clear FCRA violation. 
Regulatory Action Against Equifax CFPB 2025 Fine Equifax has a documented history of failing to comply with FCRA requirements, resulting in legal action by regulatory authorities. Most recently, in XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes. 

The CFPB found that Equifax ignored supporting documents provided by consumers, failed to remove previously corrected errors from credit reports, and used defective software that resulted in inaccurate credit scores. 

This demonstrates a pattern of non-compliance, and my case is further proof that Equifax continues to disregard consumer rights and federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: NJ

Complaint narrative:
I submitted multiple disputes to Equifax regarding an *inaccurate collection account ( XXXX XXXX XXXX XXXX XXXX XXXX ) appearing on my credit report. Despite providing substantial evidence and requesting a thorough investigation, Equifax classified my dispute as " frivolous '' and failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Additionally, Equifax has not provided any documentation or verification details to support the accuracy of the disputed account, despite my formal request under 15 U.S.C. 1681i ( a ) ( 7 ) and 1681g. Instead, Equifax has continued to report this account without proper verification, violating my consumer rights. 

Furthermore, I specifically requested manual verification instead of an automated e-Oscar process, citing the legal precedent XXXX XXXX XXXX XXXX XXXX, which requires a " reasonable '' investigation. However, Equifax has ignored this request and has continued to rely on automated processes that do not meet the FCRAs investigative standards. 

Additional Violations and Damages Equifaxs failure to comply with federal laws has resulted in the following damages and legal violations : Failure to Meet the XXXX Investigation Deadline The FCRA mandates a response within 30 days under XXXX U.S.C. 1681i ( a ) ( 1 ) ( A ). Equifax has failed to comply, further violating my consumer rights.

Negative Financial Impact Due to Equifax 's improper handling of my dispute, my creditworthiness has been negatively impacted, affecting my ability to secure credit and financial opportunities.

Unverified Information Reporting Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must only report accurate and verifiable information. Since Equifax has not provided documentation supporting the validity of the disputed account, its continued reporting constitutes a clear FCRA violation. 
Regulatory Action Against Equifax CFPB 2025 Fine Equifax has a documented history of failing to comply with FCRA requirements, resulting in legal action by regulatory authorities. Most recently, in XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes. 

The CFPB found that Equifax ignored supporting documents provided by consumers, failed to remove previously corrected errors from credit reports, and used defective software that resulted in inaccurate credit scores. 

This demonstrates a pattern of non-compliance, and my case is further proof that Equifax continues to disregard consumer rights and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
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 inaccuracies their reporting, Investigation are being done in less than 24 hours showing that they are not doing a thorough reinvestigation they're stating " the account is " incorrect '' but has not been changed and will remain on my credit report '' 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: FL

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 inaccuracies their reporting, Investigation are being done in less than 24 hours showing that they are not doing a thorough reinvestigation they're stating " the account is " incorrect '' but has not been changed and will remain on my credit report '' 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.

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 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
American express corporate card number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have raised XXXX disputes XXXX XXXX & XXXX ) with Amex for transactions XXXX XXXX XXXX XXXX XXXX for {$910.00} dated XXXX XXXX transaction wherein deposit amount of {$370.00} was not adjusted. 

Send Amex documented proof 3 times on email XXXX and ( XXXX and confirmed with customer care team multiple time. Final confirmation on XXXX XX/XX/year> Follow up customer care service team at least for 6 times over phone and escalated twice within Amex Amex opened multiple dispute IDs and close them finally stating that they have not received documents Customer service team does not have visibility on backend dispute processing team and helpless to provide any concrete solution Backend team does not speak to customer to understand real issue and close the disputes There is no formal escalation path for customer. Only rely on customer service executive does not help solving the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: LA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off accounts listed below. ) After checking my most current report, the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account. 
debt. According to the 15 USC code 1681 a ( w ) The CFPB is the only true credit bureau XXXX XXXX XXXX XXXX and Consumer protection Act. 12 USC 5301

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AK

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 2025-02-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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. 

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS AND INQUIRES.

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 2025-02-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take 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 seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
On Calvary portfolio services stated that on XX/XX/year> an account was open with me with a balance of {$480.00} and I had no knowledge of that. And I have no contractual agreements with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Subject : XXXX XXXX XXXX Equifax for Failure to Conduct Proper Investigation of Credit Disputes To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone : XXXX Dear CFPB Representative, I am writing to file a formal complaint against Equifax for failing to conduct a proper investigation into inaccuracies on my credit report. I have previously submitted disputes with supporting documents, yet Equifax has not provided adequate proof of how they verified the information. This is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies thoroughly investigate disputed information and ensure maximum accuracy in their reports. 
I am requesting that Equifax delete any information that can not be properly verified and provide clear evidence of their verification process. Failure to do so will compel me to take legal action against them locally for non-compliance with federal law and for failing to conduct a reasonable investigation, as outlined in the recent CFPB action against Equifax on XX/XX/year>. The CFPB found that Equifax ignored consumer evidence, reinserted deleted inaccuracies, and provided conflicting information about investigation outcomes. 
I trust the CFPB will ensure Equifax is held accountable for these violations and that they comply with all federal regulations regarding credit dispute investigations. I am attaching relevant documents to support my claim. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief