vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: KY

Complaint narrative:
XXXX has not provided us with a copy of the 1099-a required by the IRS for all Borrowers. We are not a Borrower of XXXX, but XXXX claims that we have a loan with them. We do not. We dispute any amount that XXXX says is due. XXXX failed to CEASE and DESIST from contacting us or calling us despite our repeated requests, therefore we make these additional claims that 1 ) XXXX failed to process the IRS Form 1099-C cancellation of Debt, thereby violating Public Law 73-10 and House Joint Resolution 192 . 

2 ) We do not have any debt with XXXX or XXXX and XXXXXXXX XXXX alleged record is fictitious. We accept the absence of debt as the reason for XXXX 's failure to file the Form 1099-C with the IRS. If XXXX continues to allege a Debt, then we make the further claim of tax evasion and tax fraud as we never received said Form 1099-a and we have received no confirmation of Form 1099-C being processed. 

3 ) We hereby request the state issued identification of XXXX XXXX XXXX and all of the XXXX agents who have called us despite our issuing a cease and desist order and notifying XXXX that we are on a Federal Do Not Call List. 

4 ) XXXX has failed to prove any Debt, failed to prove any contract, failed to prove authorization to administer the Estate, thereby acting as XXXX XXXX XXXX XXXX. 

5 ) XXXX XXXX XXXX 5 US 137 prohibits actions repugnant to the Constitution and all laws contrary there to are void and any violation of an Oath is a crime, so says the US Supreme Court in XXXX, 5 US. XXXX is engaged in actions repugnant to the Constitution making their actions under any statute unlawful. There is no Constitutional justification thereby making XXXXXXXX XXXX actions based on presumption and a crime. 

6 ) XXXX is in violation of Article 1, Section 10, Clause 1 of the Constitution making their actions unlawful. 

7 ) XXXX made an adverse credit report in furtherance of their harassment and fraud. We dispute any purported debt and make a counterclaim of criminal racketeering. 

8 ) We demand XXXX to produce the state issued identification of the CEO and all officers and agents involved in this matter so that they may be properly identified by law enforcement and by us. 

CFPB is warranted to engage in enforcement action against XXXX with penalties.

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 2025-03-09 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: KY

Complaint narrative:
XXXX has not provided us with a copy of the 1099-a required by the IRS for all Borrowers. We are not a Borrower of XXXX, but XXXX claims that we have a loan with them. We do not. We dispute any amount that XXXX says is due. XXXX failed to CEASE and DESIST from contacting us or calling us despite our repeated requests, therefore we make these additional claims that 1 ) XXXX failed to process the IRS Form 1099-C cancellation of Debt, thereby violating Public Law 73-10 and House Joint Resolution 192 . 

2 ) We do not have any debt with XXXX or XXXX and XXXXXXXX XXXX alleged record is fictitious. We accept the absence of debt as the reason for XXXXXXXX XXXX failure to file the Form 1099-C with the IRS. If XXXX continues to allege a Debt, then we make the further claim of tax evasion and tax fraud as we never received said Form 1099-a and we have received no confirmation of Form 1099-C being processed. 

3 ) We hereby request the state issued identification of XXXX XXXX CEO and all of the XXXX agents who have called us despite our issuing a cease and desist order and notifying XXXX that we are on a Federal Do Not Call List. 

4 ) XXXX has failed to prove any Debt, failed to prove any contract, failed to prove authorization to administer the Estate, thereby acting as XXXXXXXX XXXX XXXX XXXXXXXX. 

5 ) XXXX XXXX XXXX 5 US 137 prohibits actions repugnant to the Constitution and all laws contrary there to are void and any violation of an Oath is a crime, so says the US Supreme Court in XXXX, 5 US. XXXX is engaged in actions repugnant to the Constitution making their actions under any statute unlawful. There is no Constitutional justification thereby making XXXXXXXX XXXX actions based on presumption and a crime. 

6 ) XXXX is in violation of Article 1, Section 10, Clause 1 of the Constitution making their actions unlawful. 

7 ) XXXX made an adverse credit report in furtherance of their harassment and fraud. We dispute any purported debt and make a counterclaim of criminal racketeering. 

8 ) We demand XXXX to produce the state issued identification of the CEO and all officers and agents involved in this matter so that they may be properly identified by law enforcement and by us. 

CFPB is warranted to engage in enforcement action against XXXX with penalties.

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 2025-03-09 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: KY

Complaint narrative:
XXXX has not provided us with a copy of the 1099-a required by the IRS for all Borrowers. We are not a Borrower of XXXX, but XXXX claims that we have a loan with them. We do not. We dispute any amount that XXXX says is due. XXXX failed to CEASE and DESIST from contacting us or calling us despite our repeated requests, therefore we make these additional claims that 1 ) XXXX failed to process the IRS Form 1099-C cancellation of Debt, thereby violating Public Law 73-10 and House Joint Resolution 192 . 

2 ) We do not have any debt with XXXX or XXXX and XXXXXXXX XXXX  alleged record is fictitious. We accept the absence of debt as the reason for XXXXXXXX XXXX failure to file the Form 1099-C with the IRS. If XXXX continues to allege a Debt, then we make the further claim of tax evasion and tax fraud as we never received said Form 1099-a and we have received no confirmation of Form 1099-C being processed. 

3 ) We hereby request the state issued identification of XXXX XXXX CEO and all of the XXXX agents who have called us despite our issuing a cease and desist order and notifying XXXX that we are on a Federal Do Not Call List. 

4 ) XXXX has failed to prove any Debt, failed to prove any contract, failed to prove authorization to administer the Estate, thereby acting as XXXXXXXX XXXX XXXX XXXXXXXX. 

5 ) XXXX XXXX XXXX 5 US 137 prohibits actions repugnant to the Constitution and all laws contrary there to are void and any violation of an Oath is a crime, so says the US Supreme Court XXXX XXXX, 5 US. XXXX is engaged in actions repugnant to the Constitution making their actions under any statute unlawful. There is no Constitutional justification thereby making XXXXXXXX XXXX actions based on presumption and a crime. 

6 ) XXXX is in violation of Article 1, Section 10, Clause 1 of the Constitution making their actions unlawful. 

7 ) XXXX made an adverse credit report in furtherance of their harassment and fraud. We dispute any purported debt and make a counterclaim of criminal racketeering. 

8 ) We demand XXXX to produce the state issued identification of the CEO and all officers and agents involved in this matter so that they may be properly identified by law enforcement and by us. 

CFPB is warranted to engage in enforcement action against XXXX with penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: OH

Complaint narrative:
I am filing this formal complaint against XXXX, Equifax, and TransUnion for unfair, deceptive, and abusive acts and practices in violation of the Consumer Financial Protection Act of 2010 ( CFPA ) as well as multiple violations of the Fair Credit Reporting Act ( FCRA ). 

CREDIT BUREAUS ILLEGAL PRACTICES & VIOLATIONS Failure to Accurately Convey Consumer Disputes to Furnishers The credit bureaus have distorted, truncated, and mischaracterized my disputes in direct violation of 12 U.S.C. 5531 & 5536 ( CFPA ). 
Failure to Remove Fraudulent Information as Required by Law Under 15 U.S. Code 1681c-2, once I have provided proof of identity theft, the bureaus are required to block fraudulent information within four ( 4 ) business days. They have failed to comply. 
Failure to Conduct a Proper Investigation ( 15 U.S. Code 1681i ) The credit bureaus have failed to conduct a legally mandated investigation of my disputes within the required 30-day period, resulting in continued damage to my credit report. 
Willful & Negligent Noncompliance ( 15 U.S. Code 1681n & 1681o ) The credit bureaus are willfully and negligently reporting fraudulent accounts, inquiries, names, addresses, and phone numbers despite clear evidence of identity theft. 
Failure to Provide a Full and Accurate Consumer Report The credit bureaus are required under the FCRA to maintain only accurate and verifiable information. By continuing to report fraudulent data, they are knowingly violating federal law. 
THE CREDIT BUREAUS ACTIONS HAVE CAUSED ME FINANCIAL & EMOTIONAL DISTRESS Due to their failure to comply with federal law, I have suffered : Damaged creditworthiness due to fraudulent accounts and inquiries Inability to obtain necessary credit and financial services Emotional distress caused by their negligence and refusal to act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: LA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-03-09 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: LA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XXXX and XXXX {$12000.00} dispute unauthorized transaction and wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: ME

Complaint narrative:
I have XXXX accounts reporting on my credit report that I have disputed multiple times over the last year and a half. The information has multiple errors and each dispute comes back as verified and updated. Multiple updates have been made and usually updates with even more inaccurate information. After the last round of disputes at the end of XXXX, I wrote contacted Experian by phone asking for a Method of Verification and the person said that I would receive the information either by email within XXXX hours or by mail in XXXX days. I got an email on XX/XX/25 stating the results of the dispute are ready then when I sign into to read them it says they aren't available online. I called the number it listed to inquire about the " results '' and the person told me that I would have to contact the original creditor. I asked them how they would know how they verified the information and they said they don't give that information and said again to contact the XXXX. I stated it was my right by law to ask a detailed method of verification and they would not budge. Transunion sent a letter stating they didn't know what I was asking for even though I sent a detailed letter stating exactly what I was asking for and why and I have yet to hear back from Equifax. The inaccurate information on my credit report is not only inaccurate with many errors it is also different across the XXXX bureaus, so how is it verified as accurate? I will never get that answer from the bureaus that have my entire financial status in their hands. I am requesting that the XXXX bureaus actually review my disputes and delete these accounts, immediately. Such a scam!

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 2025-03-09 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: ME

Complaint narrative:
I have XXXX accounts reporting on my credit report that I have disputed multiple times over the last year and a half. The information has multiple errors and each dispute comes back as verified and updated. Multiple updates have been made and usually updates with even more inaccurate information. After the last round of disputes at the end of XXXX, I wrote contacted Experian by phone asking for a Method of Verification and the person said that I would receive the information either by email within XXXX hours or by mail in XXXX days. I got an email on XX/XX/25 stating the results of the dispute are ready then when I sign into to read them it says they aren't available online. I called the number it listed to inquire about the " results '' and the person told me that I would have to contact the original creditor. I asked them how they would know how they verified the information and they said they don't give that information and said again to contact the XXXX. I stated it was my right by law to ask a detailed method of verification and they would not budge. Transunion sent a letter stating they didn't know what I was asking for even though I sent a detailed letter stating exactly what I was asking for and why and I have yet to hear back from Equifax. The inaccurate information on my credit report is not only inaccurate with many errors it is also different across the XXXX bureaus, so how is it verified as accurate? I will never get that answer from the bureaus that have my entire financial status in their hands. I am requesting that the XXXX bureaus actually review my disputes and delete these accounts, immediately. Such a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NY

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 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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am disputing a late payment that appears on my credit report, which I believe is incorrect. 

The account belongs to XXXX. 
The reported late payment date is XX/XX/year> and XX/XX/year> I have attempted to resolve this with the creditor and the credit bureaus, but they have not corrected the error.

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 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Transunion is a massive multi-billion-dollar company without competition and has almost no competition. My needs have not been addressed the company has nearly total beaurecratic power and no competition as the business is presently structured. They need to have the manpower to justify this and attend to the needs of tens of millions of customers and which they at least have not done with me. I need the damaging false credit information removed from my credit report immediately and the creditor blocked.

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