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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 2025-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I contacted the company jj marshall and associates out of XXXX michigan back in XXXX and made them aware I was over paying on my rental debt. They stil continued to not only collect money from payroll but now they are refuse my claims that I'm owed over {$800.00} dollars back. I made a payment XX/XX/year> of {$1200.00} dollars initially before they started garnishment. XXXX XXXX who is running my case has given me the run around. They have claimed to have not received payments and are only trying to pay me {$230.00}.

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 information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need.

Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provideXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need.

Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provideXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I, XXXX XXXX, a consumer ; am notifying you that I dispute this alleged debt purssuent to 15 U.S.C. 1692g is part of the Fair Debt Collection Practices Act ( FDCPA ), which is a federal law that aims to eliminate abusive practices in the collection of consumer debts and to promote fair debt collection practices. Section 1692g specifically addresses the validation of debts and requires that debt collectors provide certain information to consumers when they first attempt to collect a debt. Heres an overview of the key components of 15 U.S.C. 1692g : Notice of Debt : Within five days of a debt collector 's initial communication with a consumer, they must send a written notice containing : The amount of the debt. The name of the creditor to whom the debt is owed. A statement that the consumer has 30 days to dispute the debt in writing if they believe it is incorrect or if they need additional information. A statement that if the debt is not disputed within 30 days, it will be assumed to be valid by the collector. A statement that the consumer has the right to request the name and address of the original creditor if it differs from the current creditor. I hereby inform you that I am disputing the information reported to my credit file regarding the account referenced below. Account Information : Account Number : [ Insert Account Number ] Creditor Name : [ Insert Creditor Name ] Date of Entry on Credit Report : [ Insert Date ] Nature of Dispute : [ Describe briefly the reason for the dispute, e.g., " This account does not belong to me, '' or " The balance is inaccurate. '' ] Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report. I am requesting that you immediately investigate and verify the accuracy of this information. Please provide me with any supporting documentation or evidence that verifies the legitimacy of this account and the amount listed on my credit report. If you are unable to verify the debt, I request that you remove the account from my credit report. Additionally, I request that you provide me with an updated copy of my credit report reflecting any changes once the dispute is resolved. Thank you for your prompt attention to this matter. I expect a response within the 30-day period required by the FCRA. Sincerely, 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 1681b, a company must have my explicit written consent to pull my credit report for non-promotional purposes. Since I did not grant permission, this inquiry is fraudulent and must be removed immediately. 
I request that you investigate this matter and delete the unauthorized inquiry from my credit file. Enclosed are copies of my identification and a copy of my credit report with the disputed inquiry highlighted. 
Please provide me with written confirmation of the results of your investigation at your earliest convenience. If this inquiry is not removed, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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: FL

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-CGPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the Federal Law and provides consumers with the necessary proof of 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 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: Experian Information Solutions Inc.
State: FL

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-CGPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the Federal Law and provides consumers with the necessary proof of 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 2025-03-19 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: IL

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 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently noticed unauthorized hard inquiries on my credit report which I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 1681b, companies must have a permissible purpose to pull my credit report, and I have not given consent for these inquiries.

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: IL

Complaint narrative:
Im 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Business Name : XXXX XXXX XXXX ( DBA Red Rock Cabinets ) Owner : XXXX XXXX Complaint Type : XXXX XXXX XXXX XXXX of Merchant Protection Date of Incident : XXXX XX/XX/year> Summary of the Issue : My business, XXXX XXXX XXXX ( DBA Red Rock Cabinets ), was targeted in a fraudulent chargeback scheme that was wrongfully requested by JP morgan Chase bank then approved by my payment processer QuickBooks Payments despite clear signs of fraud. 

A person named XXXX XXXX ( email : XXXX ) placed an order for custom cabinets and insisted on using a specific third-party shipping company called XXXX XXXX XXXX XXXX XXXX : XXXX ). He paid for the cabinets and shipping costs thru XXXX Payments and after the payment was processed, I forwarded the shipping funds to the designated shipping company, as instructed. The scammer paid via a JP Morgan chase account. 

However, after the transaction was completed, XXXX filed a chargeback through his bank which was JP Morgan Chase, reversing the entire payment. As a result : My business lost both the original order payment and the shipping funds that were already transferred. 
QuickBooks Payments and JP morgan sided with the scammer, approving the chargeback without proper investigation. 
I was not given the opportunity to provide evidence, XXXX did not take adequate steps to prevent the chargeback abuse. 

Problems with QuickBooks Payments Handling of the Chargeback : Failure to Investigate Chargeback Fraud. XXXX did not review the clear evidence of a fraudulent transaction before approving the chargeback from JP Morgan. The scammer exploited the chargeback system, using it as a tool for fraud. 

This is a lack of protection for merchants. XXXX Payments allowed a fraudulent buyer to reverse a valid payment, leaving my business with no recourse. 
There was no meaningful opportunity to dispute the chargeback effectively. 
The scammer was able to file a chargeback after I had already used the funds in good faith. There was no safeguard in place to prevent chargebacks in cases where products and services had already been fulfilled.

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 Filing A Compliant Against Cashapp ( Block, In. ) Do To Inadequate Customer Service And Unfair Practices, Which Violate The Consumer Financial Protection Act ( CFPA ). Specifically Cashapp Failed To Take Timely And Effective Measures To Prevent Fraud On Their Platform, Leavinq My Account Vunerable & Unprotected. Futhermore, Their Dispute Process, Was Unfair & Deceptive, As They Did Not Comply With Error Resolution Requirements Under The Electronic Fraud Transfer Act ( EFTA ) And Regulation E. These Actions Have Caused Significant Inconvenience & Finanical 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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL XXXX Jefferson Capital SystemsXXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request - Account # XXXX To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I formally request that you provide full validation of the alleged debt you claim I owe. Please provide the following information : The original signed contract or agreement proving I am legally obligated to pay this debt. 

A complete payment and billing history, including the original amount, interest, and fees. 

The name and contact information of the original creditor and proof of their transfer of debt to your agency. 

A copy of your debt collection license authorizing you to collect in my state. 

Documentation showing that this debt is still legally enforceable and falls within the statute of limitations. 

Evidence of compliance with the Fair Credit Reporting Act ( FCRA ), confirming that this debt was accurately reported. 

Under the FDCPA, I am requesting immediate cessation of all collection activity, including reporting to the credit bureaus, until validation is provided. If you fail to provide the required validation within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney Generals office. Additionally, I will pursue legal action for any continued violations of my consumer rights. 

Please send all correspondence in writing to my address above. 

Sincerely, XXXX XXXX

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: EQUIFAX, INC.

Complaint narrative:
To Whom It May Concern, I am writing to demand the IMMEDIATE removal of the following FRAUDULENT accounts that have been wrongfully reported on my credit file. I have never opened or authorized these accounts, and their presence is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

The fraudulent accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$180.00} XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$5000.00} XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} I am attaching a copy of my police report, FTC Identity Theft Report XXXX and valid identification to support my claim. I expect a FULL and PERMANENT deletion of these accounts from my credit report WITHOUT DELAY.

Company response to consumer: Closed with explanation