vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
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 2025-02-16 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: IN

Complaint narrative:
This will be for multiple companies I requested a contract or anything with me agreeing to pay 2 collections that are not mine they belong to XXXX XXXX. I been asking for this going on 2 months with XXXX response. I have requested this several times during dispute with each of the 3 credit agencies TransUnion equifax and Experian. Each of these companies failed to report fair and accurate information. Violated my rights in not providing me the required information when requested prof that I owe these medical. A contract doesnt exist but keep coming up as verified 2nd violation or 2nd ignore implemented law XXXX  no attempt to contact no report I had that in my dispute also. Still came babk verified and ignore the consumer. 3rd violation of my rights not automatically deleting these 2 collections thst dont belong to me anyway that collection agency still hasnt responded to my repeated requests now going on 60 days. My question is are tge credit agencies taking this personal because they sure will ignore everyone of my requests and violate my rights while they are braking the law. Its in black and white. Im tired of messing with this. If these are taken off my credit asap more than just me going after u financially criminal should already be added. Now they are showing as open collections they went from closed to open. Its almost like they are owned by u. Each of u went entirely off the company to gains word and each of u seem my disputes and requests dates etc and never thought once thst I was being railroaded of course not because TransUnion equifax and Experian was actually helping these cheaters while doing so Blatantly was braking not one law not to laws but 3 different laws. Within these 2 collections. How do you sleep at night. Destroying me financially for two months I have been a complete nervous wreck. It had impacted me financially emotionally my family has suffered and why.

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 2025-02-16 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: IN

Complaint narrative:
This will be for multiple companies I requested a contract or anything with me agreeing to pay 2 collections that are not mine they belong to XXXX XXXX. I been asking for this going on 2 months with XXXX response. I have requested this several times during dispute with each of the 3 credit agencies TransUnion equifax and Experian. Each of these companies failed to report fair and accurate information. Violated my rights in not providing me the required information when requested prof that I owe these medical. A contract doesnt exist but keep coming up as verified 2nd violation or 2nd ignore implemented law XXXX  no attempt to contact no report I had that in my dispute also. Still came babk verified and ignore the consumer. 3rd violation of my rights not automatically deleting these 2 collections thst dont belong to me anyway that collection agency still hasnt responded to my repeated requests now going on 60 days. My question is are tge credit agencies taking this personal because they sure will ignore everyone of my requests and violate my rights while they are braking the law. Its in black and white. Im tired of messing with this. If these are taken off my credit asap more than just me going after u financially criminal should already be added. Now they are showing as open collections they went from closed to open. Its almost like they are owned by u. Each of u went entirely off the company to gains word and each of u seem my disputes and requests dates etc and never thought once thst I was being railroaded of course not because TransUnion equifax and Experian was actually helping these cheaters while doing so Blatantly was braking not one law not to laws but 3 different laws. Within these 2 collections. How do you sleep at night. Destroying me financially for two months I have been a complete nervous wreck. It had impacted me financially emotionally my family has suffered and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I'm filling this a complaint against Cash App ( Block , Inc ) due Inadequate customer service and unfair practices, which Violate The customers Financial Protection Act.CFPA Especially Cash App fail to take Timely. And effective measures To prevent fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, there's to be process was unfair and deceptive. Yes, they did not comply error resolution process resolution requirements. Under the electronic transfer act. ( EFTA and regulation e. These actions have caused a significant Inconvenience. And financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NV

Complaint narrative:
I tried to contact Experian several times because they have a report of a late payment, which was paid in full to XXXX XXXX XXXX  at that time, Experian continues to report this as a late payment with totally different and erroneous dates, I spoke with the manager of this bank at the nearest branch and they say that they reported good behavior on my part, Transunion and Experian do not report it and Experian does report it, so this is affecting me as a consumer. XX/XX/XXXX XXXX  XXXX XXXX late payment. 

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 2025-02-16 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: NV

Complaint narrative:
I tried to contact Experian several times because they have a report of a late payment, which was paid in full to XXXX XXXX XXXX  at that time, Experian continues to report this as a late payment with totally different and erroneous dates, I spoke with the manager of this bank at the nearest branch and they say that they reported good behavior on my part, Transunion and Experian do not report it and Experian does report it, so this is affecting me as a consumer. XX/XX/XXXX XXXX  XXXX XXXX late payment. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-02-16 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 recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( XXXX ) with 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  Balance {$480.00}, Balance updated, XX/XX/XXXX I never gave anyone consent or permission to sell my information which is against the law to do so The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.

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 2025-02-16 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 recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( XXXX ) with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$480.00}, Balance updated, XX/XX/XXXX I never gave anyone consent or permission to sell my information which is against the law to do so The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-02-16 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: IL

Complaint narrative:
I tried to remove negative item on my credit report with Experian application using LAW 15. U.S.C 6802 but Experian did not removed those negative item

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 2025-02-16 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: IN

Complaint narrative:
This will be for multiple companies I requested a contract or anything with me agreeing to pay 2 collections that are not mine they belong to XXXX XXXX. I been asking for this going on 2 months with XXXX response. I have requested this several times during dispute with each of the 3 credit agencies TransUnion equifax and Experian. Each of these companies failed to report fair and accurate information. Violated my rights in not providing me the required information when requested prof that I owe these medical. A contract doesnt exist but keep coming up as verified 2nd violation or 2nd ignore implemented law XXXX  no attempt to contact no report I had that in my dispute also. Still came babk verified and ignore the consumer. 3rd violation of my rights not automatically deleting these 2 collections thst dont belong to me anyway that collection agency still hasnt responded to my repeated requests now going on 60 days. My question is are tge credit agencies taking this personal because they sure will ignore everyone of my requests and violate my rights while they are braking the law. Its in black and white. Im tired of messing with this. If these are taken off my credit asap more than just me going after u financially criminal should already be added. Now they are showing as open collections they went from closed to open. Its almost like they are owned by u. Each of u went entirely off the company to gains word and each of u seem my disputes and requests dates etc and never thought once thst I was being railroaded of course not because TransUnion equifax and Experian was actually helping these cheaters while doing so Blatantly was braking not one law not to laws but 3 different laws. Within these 2 collections. How do you sleep at night. Destroying me financially for two months I have been a complete nervous wreck. It had impacted me financially emotionally my family has suffered and why.

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 2025-02-16 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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( XXXX ) with XXXX XXXX, reported : XXXX XXXX, XXXX, {$480.00}, Closed/charged-off. XXXX XXXX, Reported : XXXX XXXX, XXXX, {$1100.00}, Closed XXXX, Reported : XXXX XXXX, XXXX, {$10000.00}, Closed XXXX, Last reported XX/XX/XXXX, {$840.00}, Charged off XXXX XXXX, Last reported XX/XX/XXXX, {$17000.00} I never gave anyone consent or permission to sell my information which is against the law to do so, the first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.

Company response to consumer: Closed with non-monetary relief