vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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:
XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian or its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly affect and undermine consumer protections. It also perpetuates the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar way.

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 2025-02-09 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:
XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian or its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly affect and undermine consumer protections. It also perpetuates the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
After disputing inaccurate information on my credit report that TransUnion was reporting they retaliated against me by fraudulently claiming that my education loan was a new account reported to my credit file. Thus hurting my credit score by XXXX points for the fraudulent credit report that was fabricated by TransUnion. I disputed that they were retaliating against me for disputing information they were reporting inaccurately. They still havent responded to that complaint through the CFPB as of yet, but they took the time to retaliate and damage my credit score by XXXX points by them claiming a student loan thats been on my credit since XXXX just was reported by the loan manager. I am attaching my old credit report from TransUnion to illustrate that these student loans have been on my credit report since XXXX Also an attachment of the changes made by TransUnion saying that these loans were just reported on my report by my loan administrator.

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 2025-02-08 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: VA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: VA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-02-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have the companies to re investigate the inaccurate information they're reporting on my credit profile without my knowledge of the alleged debt they're reporting I asked them to re investigate and they never responded back to me.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable in unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a long-time customer of Bank of America XXXX XXXX. 

I was charged a total of {$2600.00} on a newly issued Bank of America credit card that I had applied for last month ( XXXX ) but have never received. The two charges made were in XXXX XXXX, one at XXXX XXXX ( {$2600.00}, XX/XX/XXXX ) and the other at XXXX ( {$21.00}, XX/XX/XXXX ). I was in XXXX XXXX ( where I live and work ) the entirety of this time, and have not been to XXXX XXXX in years. 

I filed a claim with Bank of America, detailing everything I could, including receipts of my subway spend to and from work and my spend at a XXXX XXXX XXXXXXXX location ( near my office ) during the exact dates these charges were made to show that I was in XXXX XXXX 

Bank of America, despite of my 15 years of clean history with them and all the proof that I was in XXXX XXXX during this time, rejected my claim in just a matter of days saying " chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' This is an inaccurate statement, as ( 1 ) I have literally never received my card, ( 2 ) this is a credit card with no PIN ( not sure what PIN was " entered '' ), and ( 3 ) there is no proof that I have signed especially when I was physically in XXXX XXXX  with proof -- anyone could have signed it. They also clearly did not read any of the information I have sent through, and hit me with a generic statement to reject my dispute. 

Very disappointed with my experience, after having been such a loyal and clean customer for so many years. It also should have raised their flags that such a large amount was swiped at a city I have never been in and transacted at. 

Would really appreciate CFPB to look into this and help with getting a full refund issued. The moment this is resolved, I intend to end all business with Bank of America and move to other financial institutions where I have had a much better experience.

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 monetary relief
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After reviewing my credit report, I noticed several hard inquiries that I did not recognize. I have received no confirmation from Transunion with verifiable proof that I provided any written consent to report these unconfirmed inquiries. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has violated my rights to privacy , and per the FCRA, I am now opting out of any and all authorization, written and non-written, verbal and non-verbal, per 15 USC 6802. I was granted no Pre-screening Opt-out notice and per 15 USC 1681 ( b ), any consumer reporting agency may furnish a consumer report in accordance with a WRITTEN request by the consumer to which it relates.

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 2025-02-08 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:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX for its failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). XXXX has neglected to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved despite the evidence I provided. 

Recently, the CFPB filed a lawsuit against XXXX, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes. My experience aligns with these concerns, as XXXX has neither corrected nor removed the disputed items, causing ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts. XXXX failure to act violates federal law and infringes upon my rights as a consumer. I urge the CFPB to investigate this matter and ensure XXXX complies with its legal responsibilities. 

SEE ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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 submitting this formal complaint regarding Equifaxs violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid FTC Identity Theft Affidavit ( FTC Complaint # XXXX ), proof of address, and government-issued ID. However, Equifax failed to block the disputed items within the required four business days under 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. This complaint, # XXXX, highlights Equifaxs failure to comply with its statutory obligations and disregard for established legal precedent, including XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX which affirm consumers ' rights to accurate reporting and proper investigation of disputes. Additionally, XXXX non-compliance contradicts the CFPBs XXXX  bulletin and demonstrates a troubling pattern of failing to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
XXXX, XXXX, TransUnion did not properly investigate XXXX This account needs to be deleted immediately. I have been denied credit use because of misleading and incorrect information

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX  has had my account on lock since XX/XX/25. Due to me not being able to add my bank I had to get my account placed on hold to do that. Now that I have completed it. They will not unlock my account. I have {$19.00} in my account that they wont let me withdraw. I have reached out to them and they claim the account specialist is handing it but will not let me speak directly to them. This is very frustrating for me because I really need to be able to access my XXXX  account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX multiple disputes was made on these unknown accounts in the amounts of {$320.00}, {$450.00}, {$100.00}, {$4700.00}, {$8500.00} and {$9900.00}. I also reached out to the companies and all three credit bureaus, Experian, transunion and equifax to have them remove from credit and provide proof of an 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 2025-02-08 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, has violated my rights. 

I looked at my Experian credit report on XXXX 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 ). 

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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. 

15 U.S.C. 1681B ( 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 2025-02-08 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: GA

Complaint narrative:
I purchased a car from XXXX XXXX XX/XX/year>. The owner, XXXX XXXX has completely disappeared. The tags on the vehicle has been expired since XX/XX/year>. Ive reached out to the Attorney General via email and was told to retrieve a title bond. However, the tag office is saying that is not possible. The lien holder, XXXX XXXX stopped taking payments on the vehicle due to the car not having a title. Ive been back and forth with the issue for months!! They are in contact with XXXX XXXX but we are left stranded. Today, I decided to check my credit report and XXXX XXXX has a balance of {$3200.00} reporting on my credit report which is inaccurate. I reached out to XXXX XXXX and was informed by XXXX ( Leadership Team ) that i must have it removed. I asked her why was it placed on my credit report because they stopped payments on the vehicle due to the car has no Title or whatever the issue is regarding the title. I am not the only victim in this situation. Monday Im going to speak to my local sheriff about it. Also, XXXX XXXX ran my credit without my knowledge prior to me buying the car. I asked him why did he ran my credit knowing we didnt came to any agreement yet. I hope my complaint reaches the right hands because this has been a nightmare!! Not only do I have a unregistered vehicle without tags, they are also reporting fraud on behalf of my credit. Please help!!!!

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 2025-02-08 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: PA

Complaint narrative:
I am writing this letter as a follow-up to my previous dispute submitted on XX/XX/2025. While I acknowledge that some unauthorized hard inquiries have been successfully removed, I am beyond frustrated that one single inquiry remains unresolved. 

This specific inquiry was included in the FTC Identity Theft Report I submitted along with my CFPB complaint. If your agency was able to delete the XXXX other unauthorized inquiries based on the same documentation, there is absolutely no justification for leaving this one behind. I never allowed or gave permission for this inquiryit is just as unauthorized as the others you rightfully removed. Your inconsistency in handling this matter is unacceptable.

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 2025-02-08 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: CA

Complaint narrative:
I requested Transunion to remove four fraudulent hard inquires from my credit report, they have not done this.

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 2025-02-09 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: CA

Complaint narrative:
I requested a thorough investigation into the reporting on my credit report being in accurate due to the equifax data breach. I have yet to have my complaint response.

Company response to consumer: Closed with explanation