vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: NC

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 systematic issues such as failure to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to improve or amend the disputed accounts, as Experians 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 explanation
Consumer complaint received 2025-01-28 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:
My information was exposed in a data breach with experian 15 USC 1681 b

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 2025-01-28 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts and inquires on my 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 2025-01-28 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: NJ

Complaint narrative:
These companies have accessed my credit report without my authorization, which has negatively impacted both my credit and my credit score. I previously contacted Experian, and a representative assured me these inquiries would be removed ; however, they still appear on my report. The presence of these fraudulent and unauthorized inquiries is causing me significant XXXX as it raises concerns that I may already be a victim of identity theft. This situation has added unnecessary stress to my life while continuing to harm my credit score.

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 2025-01-28 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: MS

Complaint narrative:
To : Whom it may concern, I am writing to dispute the bankruptcy information in my consumer report. The bankruptcy listed is inaccurate, incomplete, or unverifiable. There are several FCRA laws that are in violations of my rights, taken by Experian. The laws follow are, 15 U.S.C. 1681 ( E ) ( B ) Accuracy on Report 15 U.S.C. 1681 ( B ) ( 2 ) Permissible purpose/ Written instructions of consumer to whom it relates.

15 U.S.C. 1681 ( Q ) Obtaining information under false pretenses 18 U.S.C. 1028 ( A ) Aggravated Identity Theft 15 U.S.C. 1681c-2 Block of Information resulting from Identity Theft Under the Fair Credit Reporting Act ( FCRA ) section 611, I request that you : 1. Verify the accuracy of the bankruptcy information by contacting the source directly.

2. Provide the name, address, and the method used to verify this bankruptcy information.

Also, please note that the court does not report bankruptcies to the credit agencies. As stated in the letter attached from the courts itself. If the information can not be verified, I request that it be removed from my report. 
I expect an investigation to be completed and a written response regarding the results of the 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 2025-01-28 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: NC

Complaint narrative:
I am filing this complaint against TransUnion for reporting an inaccurate collection account on my credit report, associated with XXXX XXXX XXXX and XXXX. TransUnion has failed to verify this account properly, as required under the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : The collection account in question contains inaccurate payment history and may be unverifiable. I have reason to believe that TransUnion did not conduct a reasonable or independent investigation into the accuracy of this account. Instead, TransUnion appears to have relied solely on information provided by the furnisher, which is insufficient under the FCRA.

TransUnion is obligated to ensure that the information it reports is accurate and verifiable. If TransUnion can not provide proof of the account 's legitimacy or accuracy, it must remove this account from my credit report within 5 days.

Specifically : Verification of Account : TransUnion has failed to provide sufficient evidence or documentation from XXXX XXXX XXXX to verify this account. 
Proper Investigation : TransUnion must conduct an independent investigation rather than parroting information from the furnisher. Failure to investigate properly violates the FCRA. 
Accuracy : The payment history reported on this account is inaccurate and is causing harm to my credit report. 
My Requests : That Transunion provides evidence verifying this collection account ( e.g., signed contracts, payment records, and detailed documentation from the original creditor ) within 5 days. 
That TransUnion removes this account from my credit report immediately if verification can not be completed or if the information is inaccurate. 
That XXXX ensures all future disputes are investigated thoroughly, rather than relying solely on the word of furnishers. 
Conclusion : TransUnion has a duty to protect consumers by ensuring that only accurate and verified information is reported on credit files. I am requesting that the CFPB holds XXXX accountable for failing to verify or remove this inaccurate account. XXXX must provide documentation or remove this account within 5 days to comply with its legal obligations. 


Sincerely, XXXX XXXX XXXX/XXXX/2025

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 2025-01-28 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX {$15.00} USC 1692c ( C ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX {$15.00} USC 1692c ( C ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Validation of Debt Under 15 USC 1692g and 1692e** Dear XXXX XXXX I am writing to formally dispute the accuracy of information contained in my credit report. As a consumer who values financial responsibility, I am deeply concerned about the derogatory entries that have been reported by your bureau. It has come to my attention that these entries are in direct violation of the Metro 2 Compliance guidelines, which are designed to ensure fairness and accuracy in credit reporting.

I have thoroughly reviewed my credit report, which I obtained from your bureau .To my dismay, I discovered several inaccurate and misleading items that are tarnishing my creditworthiness. The following accounts are specifically in dispute : XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Compliance guidelines, credit bureaus are required to conduct thorough investigations into disputed information within 30 days. Furthermore, inaccurate or unverifiable information must be promptly corrected or deleted from my credit report.

I demand that you immediately initiate an investigation into the following accounts and take the necessary steps to rectify the inaccuracies. Failure to comply with the Metro 2 Compliance guidelines will be viewed as a violation of my rights as a consumer, and I am prepared to take all necessary legal actions to protect my interests. 
In addition to requesting the removal of the inaccuracies, I also request that you provide me with WRITTEN documentation of the investigation results, including any supporting evidence or documents that were relied upon during the verification process. 
Please be aware that I am well-versed in my rights under the FCRA and will not hesitate to escalate this matter if necessary. I value the importance of accurate credit reporting, and I expect nothing less from your bureau.

I have also included a complaint with the Fair Trade Commission to further support my claim with the creditors in question.

I kindly request that you acknowledge receipt of this dispute letter within 15 days of its delivery.

Furthermore, I expect a timely and thorough investigation to be conducted in compliance with the FCRA and Metro 2 guidelines. 
Thank you for your immediate attention to this matter. I trust that you will rectify the inaccuracies promptly and restore the integrity of my credit report. Failure to comply with my demands will leave me with no choice but to seek legal remedies to protect my rights. 
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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Validation of Debt Under 15 USC 1692g and 1692e** Dear XXXX XXXX I am writing to formally dispute the accuracy of information contained in my credit report. As a consumer who values financial responsibility, I am deeply concerned about the derogatory entries that have been reported by your bureau. It has come to my attention that these entries are in direct violation of the Metro 2 Compliance guidelines, which are designed to ensure fairness and accuracy in credit reporting. 
I have thoroughly reviewed my credit report, which I obtained from your bureau .To my dismay, I discovered several inaccurate and misleading items that are tarnishing my creditworthiness. The following accounts are specifically in dispute : XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Compliance guidelines, credit bureaus are required to conduct thorough investigations into disputed information within 30 days. Furthermore, inaccurate or unverifiable information must be promptly corrected or deleted from my credit report.

I demand that you immediately initiate an investigation into the following accounts and take the necessary steps to rectify the inaccuracies. Failure to comply with the Metro 2 Compliance guidelines will be viewed as a violation of my rights as a consumer, and I am prepared to take all necessary legal actions to protect my interests. 
In addition to requesting the removal of the inaccuracies, I also request that you provide me with WRITTEN documentation of the investigation results, including any supporting evidence or documents that were relied upon during the verification process.

Please be aware that I am well-versed in my rights under the FCRA and will not hesitate to escalate this matter if necessary. I value the importance of accurate credit reporting, and I expect nothing less from your bureau.

I have also included a complaint with the Fair Trade Commission to further support my claim with the creditors in question. 
I kindly request that you acknowledge receipt of this dispute letter within 15 days of its delivery. 
Furthermore, I expect a timely and thorough investigation to be conducted in compliance with the FCRA and Metro 2 guidelines. 
Thank you for your immediate attention to this matter. I trust that you will rectify the inaccuracies promptly and restore the integrity of my credit report. Failure to comply with my demands will leave me with no choice but to seek legal remedies to protect my rights. 
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 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Valon Technologies, Inc.
State: NY

Complaint narrative:
I signed a mortage agreement three years ago and my account was sold to Valon Mortage group. the original agreement was PMI  was to be removed when i paid down my loan to an LTV of 80 % and i am now down to 79.66 % meaning my PMI should have been automatically removed. I applied on the site in writing that I wanted PMI removed and received a response that " the property is located within a FEMA-declaired Disaster Area and the event occurred 24 or more months ago ''. I pointed out that this definition is overly broad as every area has been a FEMA disaster area based on their definition of " within two years or more '' and i would have to pay to get my home appraised ( not in the original agreement ). They are now refusing to remove my PMI unless i pay for the appraisal. it should be noted I contacted FEMA to inquire if my home or the area was ever involved in a disaster related area since I moved in ( almost four years ago ) and they said no. So it appears Valon Morgage group is attempting to extort people for extra PMI payments on the off chance someone wont stand up to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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. Specifically cash app failed to take timely and effective measures to prevent, and address fraud in 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, and regulation E. These actions have caused significant inconvenience l, and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: DC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or about XX/XX/year>. 
Our Company XXXX XXXX XXXX XXXX [ operating in California ] has been defrauded by website XXXX  Initially XXXX XXXX XXXX XXXX made a general inquiry online about the XXXX services - providing only general business information that would not allow any money to be removed from XXXX XXXX XXXX XXXX bank accounts. 
XXXX XXXX XXXX XXXX did not request or receive any XXXX services. 
Though XXXX found a fraudulent way to extract money form XXXX XXXX XXXX XXXX business account. 
XXXX XXXX XXXX XXXX immediately disputed the transaction with US Bank banking provider and XXXX. 
Bank provider will not assist with retuning funds even though the banking information XXXX used to obtain the funds does not match XXXX XXXX XXXX banking institutions information requirement to release funds by ACH. 
- XXXX by email acknowledged their banking error/fraudulent practice and agreed to return the funds to XXXX XXXX XXXX XXXX 
After 3 months of email correspondence and telephone calls to XXXX the money has still not been retuned to XXXX XXXX XXXX XXXX account. 
The banking institution releasing the funds through improper banking info is wrong, and XXXX  taking/receiving funds and not providing services, nor returning the funds is fraudulent. 
Please advise how the Federal Trade Commission may assist with the matter of returning the funds to XXXX XXXX XXXX XXXX and how to stop banking institutions from releasing funds ACH without the legal required banking information and how stop XXXX from continuing fraudulent business practices towards US citizens. 
Regards. 
XXXX XXXX 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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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