vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
CashApp has continued to deny or refund disputes inconsistently despite disputes being identical in merchant, reasoning, and proof. 

On XX/XX/year>, I filed multiple disputes totaling {$3400.00} against a merchant whose website was a scam. Some of these were denied, and some were sent to the merchant. I was told multiple times that it would take UP TO 45 days to resolve these disputes ; some disputes from this date are still under review, despite it now being 50 days since the disputes. CashApp is not following its own provided timeline. 

On XX/XX/year>, these disputes were re-filed after complaints to the CFPB. 

On XX/XX/year>, I received a provisional credit of {$1400.00} with no information as to which of these transactions this credit related to, further convoluting their dispute process and its transparency. 

On XX/XX/year>, XXXX of the disputes was denied, again, with no information as to which transaction it was. Yet, on the same date, one of the disputes was resolved in my favor with no information as to which transaction it was. 

CashApp continues to cherry-pick which transactions to deny and which to resolve in my favor, despite them being identical. Their dispute process remains inconsistent with an incredible lack of information, which I strongly believe is intended to dissuade customers from filing disputes or pushing back on their process. 

Furthermore, their customer service provides no information on the status of disputes or even understands basic information requests. For example, I sent a screenshot of a dispute from XX/XX/XXXX showing it was still under review despite it being over their 45 day timeline ; their customer service team said " We can not provide any information regarding disputes filed on XX/XX/XXXX '' showing a complete lack of even basic reading or understanding what the customer needs. I've had multiple instances where questions were asked, and they immediately closed the ticket with no chance to respond. 

It has now been 50 days since I originally filed disputes and I'm simply asking for CashApp to do its job efficiently and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Experian Information Solutions 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 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 2025-05-06 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: MI

Complaint narrative:
The company is unable to verify and find account within my name. They stated that it's because I have not applied for credit or do not legally live in the US. Attached is a document stating that everything in my name attached to the Equifax be removed due to fraud and other attempts of mishandling my information to consumers. I am requesting this because obviously my information is being used in a different way and not being updated to any of the credit bureaus. especially if they can not locate my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Outstanding balance with JP Morgan Chase, they hired XXXX XXXX XXXX to collect outstanding balance. They send me over a STIPULATION FOR ENTRY OF JUDGMENT with the courts with a set amount. I have paid the amount in full and have tried reaching out to Chase and XXXX XXXX XXXX for confirmation that account has been satisfied and nobody will take my call. I have filed a dispute with XXXX XXXX XXXX and sent over documents showing the payments that all equal the amount that was owed. Chase bank is still reporting this on my credit and it is impacting my score. Chase bank nor XXXX XXXX XXXX will provide a Settlement In Full documentation or any documentation that the money that went to XXXX XXXX XXXX went to pay off the outstanding Chase balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2025-05-06 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

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 2025-05-06 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: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of XXXX. On XX/XX/2024, I received an XXXX. On XX/XX/2024, I was met up with a special agent saying that I have a credit report which stated that I owed almost {$60000.00} in child support. I am only XXXX XXXX XXXX with no children. I am now having issues in my military life about this issue. They are informing me about the need to report this issue for security clearance.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. On XX/XX/2024, I received an XXXX. On XX/XX/2024, I was met up with a special agent saying that I have a credit report which stated that I owed almost {$60000.00} in child support. I am only XXXX XXXX XXXX with no children. I am now having issues in my military life about this issue. They are informing me about the need to report this issue for security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
Formal Dispute of Fraudulent Account ( s ) Failure to Verify Within 30 Days ( FCRA Violation ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear [ Experian/Equifax/TransUnion/XXXX XXXX XXXX This letter serves as a formal notice of dispute regarding one or more fraudulent accounts listed on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates that disputed information must be investigated and resolved within 30 days of the date the dispute is received.

I previously disputed the following account ( s ), which I have reason to believe were opened or reported fraudulently : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C . 1681i ( a ) ( 1 ) ( A ), the credit reporting agency or furnisher of information is legally obligated to investigate and verify the accuracy of the information within 30 days. It has now been over 30 days since I filed my dispute, and I have not received any proof or documentation verifying the validity of the account ( s ) in question.

Moreover, under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to : 1. Conduct a reasonable investigation ; 2. Review all relevant information provided ; 3. Report the results back to the credit bureau ( s ) ; and 4. If the information is inaccurate or unverifiable, modify, delete, or block the reporting of such information.

Failure to comply with these requirements may result in civil liability under 15 U.S.C. 1681n and 1681o, including actual damages, statutory damages, punitive damages, and attorneys fees.

Demand : I hereby demand that : 1. All unverifiable and fraudulent information be deleted from my credit file immediately.

2. I be provided with a copy of any documentation used to verify the validity of these accounts.

3. If you are unable to verify the account ( s ), you must permanently remove them from my credit report and send me confirmation of the deletion.

If you fail to comply, I am prepared to pursue all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney Generals office, and initiating legal action for noncompliance.

This is my final good faith attempt to resolve this matter without legal action. Please respond within 15 days of receiving this letter. 

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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. On XX/XX/2024, I received an XXXX. On XX/XX/2024, I was met up with a special agent saying that I have a credit report which stated that I owed almost {$60000.00} in child support. I am only XXXX XXXX XXXX with no children. I am now having issues in my military life about this issue. They are informing me about the need to report this issue for security clearance.

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 2025-05-06 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-06 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: SC

Complaint narrative:
To whom it may concern, I am writing to formally dispute multiple unauthorized accounts inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 

Accounts : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation