vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello. For years I have been fighting with XXXX XXXX XXXX XXXX about late payments over several accounts. For years they have promised to fix it, and for years they have failed to do so. 

I understand that going back years and giving details about every single time I have spoken to them is impractical. Suffice it to say that XXXX XXXX and I have been doing this dance for numerous years. I can prove this to you by providing a couple of letters I have received from XXXX XXXX stating they would remove late payments, but they never do. Please understand that I have received numerous of these letters for multiple accounts, but I will provide you with only XXXX to show that it has been going on for years with XXXX XXXX admitting to making mistakes and never fixing them. 

I guess to say they never do would be unfair. They partially remove late payments, but never completely. What I mean by that is that when I view my credit report, I see late payments that are removed from XXXX bureau, but not the other XXXX, or for another account I will see the late payment removed from XXXX bureaus, but not the third. 

This has been going on so many times over so many years across so many accounts that at this point it is nothing but incompetence or negligence on XXXX XXXX 's part. To be specific, XXXX XXXX has admitted many times to me by phone and in writing that their claim my payments were not on time were errors on their behalf. That's why they have given me letters many different times. The problem is that it keeps happening over and over. No matter how many times they catch their mistake, they keep misreporting that I pay late when I don't. 

I have spent numerous hours with them over the years about this situation that I am totally fed up. I have disputed these late payments with the credit bureaus for years only to once again have partial corrections made and not complete corrections or late payment removals. This has been affecting me for so many years that this is the last straw for me. If this complaint does not get XXXX XXXX or the credit bureaus to remove the late payments from all the accounts I have with XXXX XXXX at once, I am going to simply sue XXXX XXXX and possibly even the credit bureaus. 

I want the XXXX XXXX Credit Card as well as the XXXX XXXX auto loan to have all late payments removed at once or I will file this with small claims and also with the 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 2025-04-08 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: CA

Complaint narrative:
Hello. For years I have been fighting with XXXX XXXX XXXX XXXX about late payments over several accounts. For years they have promised to fix it, and for years they have failed to do so. 

I understand that going back years and giving details about every single time I have spoken to them is impractical. Suffice it to say that XXXX XXXX and I have been doing this dance for numerous years. I can prove this to you by providing a couple of letters I have received from XXXX XXXX stating they would remove late payments, but they never do. Please understand that I have received numerous of these letters for multiple accounts, but I will provide you with only XXXX to show that it has been going on for years with XXXX XXXX admitting to making mistakes and never fixing them. 

I guess to say they never do would be unfair. They partially remove late payments, but never completely. What I mean by that is that when I view my credit report, I see late payments that are removed from XXXX bureau, but not the other XXXX, or for another account I will see the late payment removed from XXXX bureaus, but not the third. 

This has been going on so many times over so many years across so many accounts that at this point it is nothing but incompetence or negligence on XXXX XXXX 's part. To be specific, XXXX XXXX has admitted many times to me by phone and in writing that their claim my payments were not on time were errors on their behalf. That's why they have given me letters many different times. The problem is that it keeps happening over and over. No matter how many times they catch their mistake, they keep misreporting that I pay late when I don't. 

I have spent numerous hours with them over the years about this situation that I am totally fed up. I have disputed these late payments with the credit bureaus for years only to once again have partial corrections made and not complete corrections or late payment removals. This has been affecting me for so many years that this is the last straw for me. If this complaint does not get XXXX XXXX or the credit bureaus to remove the late payments from all the accounts I have with XXXX XXXX at once, I am going to simply sue XXXX XXXX and possibly even the credit bureaus. 

I want the XXXX XXXXXXXX XXXX XXXX  as well as the XXXX XXXX auto loan to have all late payments removed at once or I will file this with small claims and also with the 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello. For years I have been fighting with XXXX XXXX XXXX XXXX about late payments over several accounts. For years they have promised to fix it, and for years they have failed to do so. 

I understand that going back years and giving details about every single time I have spoken to them is impractical. Suffice it to say that XXXX XXXX and I have been doing this dance for numerous years. I can prove this to you by providing a couple of letters I have received from XXXX XXXX stating they would remove late payments, but they never do. Please understand that I have received numerous of these letters for multiple accounts, but I will provide you with only XXXX to show that it has been going on for years with XXXX XXXX admitting to making mistakes and never fixing them. 

I guess to say they never do would be unfair. They partially remove late payments, but never completely. What I mean by that is that when I view my credit report, I see late payments that are removed from XXXX bureau, but not the other XXXX, or for another account I will see the late payment removed from XXXX bureaus, but not the third. 

This has been going on so many times over so many years across so many accounts that at this point it is nothing but incompetence or negligence on XXXX XXXX 's part. To be specific, XXXX XXXX has admitted many times to me by phone and in writing that their claim my payments were not on time were errors on their behalf. That's why they have given me letters many different times. The problem is that it keeps happening over and over. No matter how many times they catch their mistake, they keep misreporting that I pay late when I don't. 

I have spent numerous hours with them over the years about this situation that I am totally fed up. I have disputed these late payments with the credit bureaus for years only to once again have partial corrections made and not complete corrections or late payment removals. This has been affecting me for so many years that this is the last straw for me. If this complaint does not get XXXX XXXX or the credit bureaus to remove the late payments from all the accounts I have with XXXX XXXX at once, I am going to simply sue XXXX XXXX and possibly even the credit bureaus. 

I want the XXXX XXXX Credit Card as well as the XXXX XXXX auto loan to have all late payments removed at once or I will file this with small claims and also with the XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted.

Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days 
of receiving this letter. These are the list of Items need to be deleted ASAP : JEFFERSON CAPITAL SYST 372521**** {$1100.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank cashed one of my checks on the amount of {$6800.00} originally made to XXXX XXXX to an individual named XXXX XXXX ( this person wrote his name on my check and changed my signature ). I made a police report and spoke with Chase bank, I sent a questionnaire requested by the bank which was confirmed received on XX/XX/XXXX ; they told me it will take 90 days to get the funds back after an " investigation ''. I have been calling on a weekly basis starting XX/XX/XXXX ; always told to call back " in 5 days '' ; other times I am told there is no claim. 
I have been talking to the chase manager at the Bank, she called the claims department herself and the escalation department ; they asked to resubmit the paperwork, which I did on XX/XX/XXXX and then again on XX/XX/XXXX, XX/XX/XXXX and XXXX, XXXX When I called on XX/XX/XXXX, they asked me again to " call in 3 days ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Andrews & Cox, P.C.
State: OH

Complaint narrative:
The company of Andrews and Cox attorneys at law debt collector has been notified and responded to a cease and desist letter on XX/XX/XXXX. XXXX. At this time they still keep contacting me by mail? All documentation is included with this complaint. Unless there is legal action they are not to continue to contact me. At this time my rights have been violated and Andrews and Cox attorneys are not abiding by the law. I feel harassed and being bullied by this third party debt collector and again officially requesting them to cease and desist all communications unless new legal action is being taken. I feel at this time after i followed all FDCPA regulations and due process under the law that now the company is just disregarding the law and the cease and desist request. I feel that I may need to file legal action against both XXXX XXXX  who Is being represented by Andrews Cox attorneys at law for harassment under FDCPA regulations for contacting and harassment after a cease and desist has been officially received unless it was notification of legal action but from the documents provided you can see that they are still trying to contact me for other reasons than legal action which is a FDCPA violation which they just keep disregarding over and over again as you can see by my legal complaints. As you can see from all the documentation provided with this complaint Andrews and Cox attorneys responded and acknowledged to the cease and desist request but keepd contacting me anyways for other than new legal action as per there own response disregarding FDCPA regulations for cease and desist plus harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX  Balance {$290.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : SECCREDIT XXXX {$610.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, President Trump has signed an executive order to abolish the U.S. Department of Education, thereby creating a material legal void concerning all student loan obligations previously managed under its authority. 

# # # Demand for Verification & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided. 

- A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment. 

- Written confirmation that you will cease reporting this unverified debt to credit bureaus.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, XXXX XXXX has signed an executive order to abolish the U.S. Department of Education, thereby creating a material legal void concerning all student loan obligations previously managed under its authority. 

# # # Demand for Verification & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided.

- A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.

- Written confirmation that you will cease reporting this unverified debt to credit bureaus.

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 2025-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, XXXX XXXX has signed an executive order to abolish the U.S. Department of Education, thereby creating a material legal void concerning all student loan obligations previously managed under its authority.

# # # Demand for Verification & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided.

- A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.

- Written confirmation that you will cease reporting this unverified debt to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had two transactions taken out of my cash app one was for XXXX one was for XXXX i called customer service they said they could not help me with anything shut off my account and never let me back into cash app with my name XXXX was taken out of my account by someone i did not authorize to do so i called numerous times i was in a horrible situation it was my daughters birthday the next day and they kept telling me there was nothing they could do to assist me

Company response to consumer: Closed with explanation