vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
This creditor is incorrectly reporting the first payment was never received, and late payments on my credit report for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I enrolled in their credit protection program XX/XX/XXXX, which pays XXXX benefit payments in the event of involuntary unemployment, after 30 days of enrollment. I activated the benefit XX/XX/XXXX and started being charged XX/XX/XXXX. Even though the benefit was activated in XXXX, this creditor is stating that no benefit was ever initiated. However, I am disputing this because an error occurred in their system. Although I enrolled XX/XX/XXXX, I did not begin being charged until XX/XX/XXXX. When I access this account via their mobile app, it states that I enrolled XX/XX/XXXX. When I access this account via their online website, it states that I am unenrolled in this program due to their disqualification criteria, however, XXXX still being charged for it monthly. Additionally, this creditor refuses to send me the original credit protection program documents that were generated when I first enrolled XX/XX/XXXX. They are stating that I was previously unenrolled, and then re-enrolled XX/XX/XXXX, and are refusing to send me the original credit protection program documents for those event dates as well, even though I am enrolled in paperless documents. I was emailed the credit protection program documents from the XX/XX/XXXX enrollment, however when I click on the link in the email to access these documents, the link is expired. Neither documents from XX/XX/XXXX enrollment and the alleged XX/XX/XXXX enrollment are available online and the call center representatives could not locate them either. They also can not locate the alleged unenrollment documents. The creditor is also reporting that the first payment was never received for this account, but that is incorrect. You can verify that the payment was received on the highlighted portions of bank statements. I have attached copies of supporting documents that substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
This creditor is incorrectly reporting the first payment was never received, and late payments on my credit report for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I enrolled in their credit protection program XX/XX/XXXX, which pays XXXX benefit payments in the event of involuntary unemployment, after 30 days of enrollment. I activated the benefit XX/XX/XXXX and started being charged XX/XX/XXXX. Even though the benefit was activated in XXXX, this creditor is stating that no benefit was ever initiated. However, I am disputing this because an error occurred in their system. Although I enrolled XX/XX/XXXX, I did not begin being charged until XX/XX/XXXX. When I access this account via their mobile app, it states that I enrolled XX/XX/XXXX. When I access this account via their online website, it states that I am unenrolled in this program due to their disqualification criteria, however, Im still being charged for it monthly. Additionally, this creditor refuses to send me the original credit protection program documents that were generated when I first enrolled XX/XX/XXXX. They are stating that I was previously unenrolled, and then re-enrolled XX/XX/XXXX, and are refusing to send me the original credit protection program documents for those event dates as well, even though I am enrolled in paperless documents. I was emailed the credit protection program documents from the XX/XX/XXXX enrollment, however when I click on the link in the email to access these documents, the link is expired. Neither documents from XX/XX/XXXX enrollment and the alleged XX/XX/XXXX enrollment are available online and the call center representatives could not locate them either. They also can not locate the alleged unenrollment documents. The creditor is also reporting that the first payment was never received for this account, but that is incorrect. You can verify that the payment was received on the highlighted portions of bank statements. I have attached copies of supporting documents that substantiate my claim.

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 2025-04-02 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: MD

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: Block, Inc.
State: MI

Complaint narrative:
I received a 1099-K statement from Cash App Inc. for Tax year 2024 for monies that I did not receive. Additionally, I do not have an account with Cash App nor have I done any business previously with Cash App. I called XXXX to resolve the issue. They advised that this is a known issue as they only request a Social Security number and apparently fraudsters can verify the account using disposable phones and Email accounts. I provided the information and requested that they correct the error as fraud and provide me with an updated 1099-k to correctly reflect that I have never received a payment from them. 
When I call I can not get anyone who is aware of my case or any idea of when, if ever, the issue would be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB AUTO LOAN ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone # : ( XXXX ) XXXX Inaccurate information on my XXXX XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CO

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

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 2025-04-02 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: GA

Complaint narrative:
On XX/XX/XXXX, I spoke with Supervisor XXXX ( Employee ID # XXXX ) regarding my disputes for fraudulent items, and I was met with extreme dismissiveness and a lack of knowledge on her part as a supervisor. XXXX falsely stated that Equifax did not receive any documents related to my disputes, despite clear evidence to the contrary. Attached is proof that Equifax received the documents, demonstrating that XXXX was both misleading and dismissive. Specifically, Complaint XXXX was submitted on XX/XX/XXXX under Complaint # XXXX, and a second dispute was submitted on XX/XX/XXXX under Complaint # XXXX. Despite her claims, the CFPB confirmed that my dispute was in progress as of XX/XX/XXXX. Given this misconduct and negligence in handling fraudulent disputes, I am formally submitting this complaint to the CFPB to investigate XXXX 's actions. Her incompetence in addressing consumer disputes demonstrates a critical need for retraining to ensure that she properly handles these matters in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THEY CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: AZ

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 repairs 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, Equifaxs actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No.2025-CFPB-002 ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal laws and provides consumers with the necessary proof of investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
I am fling 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. These are the accounts I marked as inaccuracy ... 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
I am fling 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. These are the accounts I marked as inaccuracy ... 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 2025-04-02 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1800.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$550.00} XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$500.00} XXXX XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$480.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$420.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-04-02 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: WI

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 2025-04-02 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: WI

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX  Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$660.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$660.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$660.00} Highest Balance - Terms 1 Month On Record Until XX/XX/XXXX Payment History 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 Collection Payment history guide Collection as of XX/XX/XXXX to XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$660.00} {$0.00} {$0.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} Additional info The original amount of this account was {$660.00} Historical Info Original Creditor XXXX XXXX Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Previous : None Reinvestigation Info This item was updated from our processing of your dispute in 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 2025-04-02 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief