vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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:
Dear CFPB, I would like to ask for your help regarding an ongoing issue with Equifaxs inaccurate reporting on my credit file. Despite multiple disputes, Equifax continues to report an unauthorized account, violating my rights under the Fair Credit Reporting Act. On XX/XX/XXXX, I disputed the following account with all three major credit bureaus : XXXX XXXX XXXX ( Account # XXXX, Date Opened : XX/XX/XXXX ). Both XXXX and XXXX acknowledged the issue and removed the account from my credit report. However, Equifax has failed to do so, despite its legal obligation to ensure maximum possible accuracy in credit reporting. This account is being reported without my authorization, which violates 15 U.S.C. 1681b ( 2 ) ( Permissible Purpose ). Additionally, Equifax is in violation of 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure the accuracy of the information they report. Despite my multiple disputes, Equifax has also failed to conduct a proper investigation as required under 15 U.S.C. 1681i ( a ). The fact that XXXX and XXXX corrected this error while Equifax has not suggests that Equifax is failing to follow federal law, and this is unacceptable. I can not tolerate this continued negligence and disregard for my rights. I have made several attempts to resolve this matter directly with Equifax, but my requests continue to be ignored. Since Equifax is the only credit bureau still reporting this account, it is clear that either the report itself is inaccurate or Equifax is violating the law by failing to correct it. I am requesting the CFPBs intervention to ensure that Equifax fulfills its legal obligation to remove this unauthorized account from my credit file. If Equifax does not correct this issue promptly, I will have no choice but to escalate the matter further and take legal action to protect my rights. I would prefer to resolve this issue amicably, but I will take the necessary steps to ensure compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

ATLANTICCA # XXXX XX/XX/XXXX -- {$0.00} UNKNOWN # XXXX XX/XX/XXXX -- {$430.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practice, 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 2025-03-19 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-03-19 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: GA

Complaint narrative:
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Section 609 : Allows you to request debt validation from credit bureaus. If they can not verify the accuracy of an account ( including collections or late payments ), they must remove it. Section 611 : Gives you the right to dispute inaccurate, unverifiable, or outdated information. Section 623 : Requires creditors and collection agencies to report only accurate information. If they report incorrect details, you can demand removal. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. Protects you from unfair debt collection practices. 

XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Section 609 : Allows you to request debt validation from credit bureaus. If they can not verify the accuracy of an account ( including collections or late payments ), they must remove it. Section 611 : Gives you the right to dispute inaccurate, unverifiable, or outdated information. Section 623 : Requires creditors and collection agencies to report only accurate information. If they report incorrect details, you can demand removal. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. Protects you from unfair debt collection practices. 

XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have early pay option for my direct deposit. For my last XXXX pay periods my paycheck was deposited around XXXX cst. My paycheck for XX/XX/year> has yet to be deposited but this is a problem with capital one they tend to release the funds whenever they want and then they blame the employer for why my funds are not deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Certified letter sent requesting validation of debt on XX/XX/year>. Sending second letter via certified mail. Original contract requested, ledger of balance, late fees and additional fees. Proof of debt must be provided as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
Harris and Harris keep texting me for collection even though they have been asked not to by my attorney. We are going through our resolution with the state so we may not even owe them anything. I tried calling them today and the receptionist that answered the phone. A women, the number called was. XXXX She was very unprofessional, rude, and I'm surprised how she can keep a job if she talks to people like she did to me. This is a collection agency used by the state of XXXX. Our tax dollars should not go to a company that behave in this matter. They have been asked twice by my attorney to stop communication and once by me. This is borderline harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I am resubmitting this complaint against TransUnion due to their continued failure to provide evidence of a legitimate investigation into my dispute. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) is unacceptable, and I demand immediate corrective action. 

On XX/XX/year>, I issued a formal warning to TransUnion, demanding specific, verifiable proof of their investigation into the disputed accounts. I made it explicitly clear that failure to comply would result in a lawsuit against the credit bureau. Instead of addressing my concerns, they once again provided a generic, non-substantive response, which does not constitute a valid investigation. 

This behavior strongly suggests that TransUnion has never actually verified the disputed accountsa direct violation of my rights. By failing to produce clear, specific results tied to my dispute, they have engaged in deceptive practices and have willfully neglected their legal obligation to conduct a thorough review. 

At this point, I am left with no choice but to escalate my complaint further. I expect the CFPB to take immediate action against TransUnion for their repeated FCRA violations, lack of transparency, and failure to properly investigate disputed information. 

I demand : Immediate and verifiable proof of investigation into each disputed account.

A detailed explanation of how TransUnion allegedly verified these accounts. 
Removal of any unverified accounts that remain on my credit report without legitimate substantiation. 
Accountability for TransUnion 's repeated failures to follow federal law. 
If TransUnion continues to ignore my legal rights, I am fully prepared to take legal action against them. Their failure to uphold FCRA regulations and their continued bad-faith responses will not go unchallenged. 

I expect the CFPB to hold TransUnion accountable and enforce compliance. I am prepared to provide all necessary documentation to support my case.

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 2025-03-19 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: IN

Complaint narrative:
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I submit this written dispute to request Blocking of inaccuracies on my XXXX credit report resulting from identity theft. hard inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
I recently checked my credit report and saw this account reporting that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 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 2025-03-19 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: KS

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent. 
o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties. 
4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint because my auto loan lender mis disclosed my down payment and is charging interest based on an inflated Amount Financed, violating 15 USC 1638 ( a ) ( 2 ), 15 USC 1638 ( a ) ( 7 ), 15 USC 1605, 15 USC 1026.4 ( Regulation Z ), and potentially 16 CFR 433.2, 15 USC 1662, 15 USC 1602, and 15 USC 1603. My Retail Installment Contract, signed XX/XX/XXXX, with XXXX XXXX XXXX XXXX ( assigned to XXXX XXXX XXXX ), states in the Truth-in-Lending Disclosure a down payment of {$500.00}, finance charge of {$2600.00}, Amount Financed of {$8400.00}, Total of Payments of {$11000.00} ( 48 monthly payments of {$230.00} starting XX/XX/XXXX ), and APR of 13.89 %. 
On XX/XX/XXXX, I paid {$2500.00} as a down payment ( I have a receipt from XXXX XXXX XXXX XXXX ), not {$500.00} as disclosed. Since then, Ive paid an additional {$4700.00} through monthly payments as of XX/XX/XXXX ( approximately 20 payments of {$230.00} ), totaling {$7200.00}. The contracts {$500.00} down payment disclosure is incorrectmy {$2500.00} payment should reduce the Amount Financed to {$6400.00} ( {$8400.00} - {$2000.00} ), lowering the interest owed. Instead, XXXX is charging interest on {$8400.00}, inflating the finance charge beyond whats fair. My {$230.00} payments include {$2600.00} in interest, but with the correct Amount Financed, interest should be lower ( e.g., ~ {$2000.00} at 13.89 % over 48 months ).

This violates : 15 USC 1638 ( a ) ( 2 ) & ( a ) ( 7 ) : TILA requires accurate disclosure of the Amount Financed and down payment. Misstating {$500.00} instead of {$2500.00} inflates the loan and interest.

15 USC 1605 ( a ) & 1026.4 : The finance charge is overstated due to the incorrect Amount Financed, misrepresenting the cost of credit.

16 CFR 433.2 : XXXX must honor defenses against XXXX XXXX XXXX mis disclosure.

15 USC 1662 : If advertised terms omitted this discrepancy, its misleading ( suspected ).

15 USC 1602/1603 : This consumer loan isnt exempt ; TILA applies, and violations suggest illegality.

My {$7200.00} paid exceeds the adjusted principal of {$6400.00}, yet XXXX demands {$11000.00}. These violations render the contract illegal due to fraudulent misrepresentation. Im attaching my contract, receipt, and payment records.

Company response to consumer: Closed with non-monetary relief