vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: IL

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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: VW Credit
State: NC

Complaint narrative:
Volkswagen credits sold loan without my knowledge. 
Called out to XXXX XXXX on Wednesday XX/XX/XXXX to request Car information from dealer, in regards to a part needed for vehicle XXXX XXXX XXXX, question notification received for engine recall and was offered a call back from the dealer that was never received. 
Later, Noticed online that my vehicle loan was sold to XXXX XXXX XXXX and is no longer with Volkswagen credit, interest principal not rolled over from last year 's payment and no other information was given in regards to my loan being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Theres been a number of complaints because theres been a number of offenses by Chase Bank and I apologize for any confusion. Originally I had asked for them to quit harassing and pursuing me in a punitive measure, and that my accounts be open and remain that way. When they decided to overdraw my account with one of their fees, then freeze the account and not allow me to make a cash deposit that could only be interpreted as one thing which is a punitive measure to have that individual marginalized and placed on check systems. I dont wan na do any business with Chase and therefore Ive made it very clear since then to several representatives that opening an account as rectification for this mess is not going to be efficient or acceptable at this point. I will take a cash settlement after the stress and business losses that have occurred as a result of their choices. Theyre not to contact me for any reason whatsoever unless theyre writing a check. My attorney has reached out to them several times and in their arrogance they have chosen not to return his call therefore I dont have much to say on this matter other than I guess Ill see them in court. On fraud, banking regulation in fractions, not to mention all the offenses against a person under the 88 protections I consider these accounts because I have zero access to any online banking still to this day. Another attempted having me penalized. You can imagine how I would feel this way after everything theyve done so yes the accounts are open without authorization for me and without access to online banking I do not have the ability to even call customer service to get an account number to close this so I suggest they do that promptly opening up an account without authorization of course as you know is quite the offense in the bank world I do take responsibility like I said for multiple complaints, but they were different issues and Im sorry if there was confusion because of my original request. But yes, no, XXXX will not be working with my XXXX Chase bank moving forward because anybody that steals a crippless paycheck to me is unquestionably a bad Apple.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
on XX/XX/2025 i spoke to a supervisor from equifax from the dispute department named XXXX ID # XXXX. in reference to the negligence and deceptive practices equifax has been engaged in. This man stated he had no idea how disputes are investigated on a recorded line he stated he doesnt know the department that verifies the information as the information is just reported and put on ones credit report. he stated here was no one above him i can speak to in references to my disputes. he engaged in willful noncompliance or had any answers to any of my questions. He also mention he was unable to help me with looking to how my information was compromised through the equifax breach. he also admitted he did not know the steps that are taken to accurately verify any data or information furnished on a credit report. ON A RECORDED LINE. 

Equifax has failed to investigate my disputes properly according to FCRA laws as I am a victim of the Equifax data breach. Equifax has enabled fraud and negligence, stalling methods to prevent me from disputing accounts. Not properly documenting dispute remarks online, providing method of investigation, representatives spoken to or any copies of documents or contracts bearing my signature. Equifax has been only auto verifying accounts and not properly looking into the disputes. When you call to speak to a representative the phone system also stalls you and kicks you off the call it's almost impossible to get in contact with someone to speak to a live person. I am dealing with XXXX  and XXXX  XXXX behind this. Equifax has caused me physical and financial harm with their deceptive practices. I have been denied credit, applications for employment as well as finding a new home due to their negligence. I need help as I am prepared to fully exercise all of my legal rights to fix this ongoing issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
Subject : Formal Notice of Fraudulent Accounts Immediate Removal Required To Whom It May Concern : This letter serves as formal legal notice that the following accounts reported on my credit file are fraudulent, unauthorized, and must be permanently removed from my credit report immediately : XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX : XXXX These accounts were opened and/or reported without my knowledge, consent, or authorization, and therefore constitute identity theft and fraudulent reporting. I have reviewed my reports carefully and can confirm that these are not legitimate accounts tied to me in any lawful manner. 

You are legally obligated under the Fair Credit Reporting Act ( FCRA ) to fully investigate and remove inaccurate and unverifiable information from a consumers credit file. I am invoking my rights under federal law and demanding that you : Immediately delete the accounts listed above from all versions of my credit report ; Provide me with written confirmation of the removal ; Failure to comply with this request within the legally required time frame will result in immediate legal action, including but not limited to : I HAVE FILLED OUT Formal complaintswith the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) ; Lawsuits seeking statutory, actual, and punitive damages for willful noncompliance ; Full pursuit of all legal remedies available to me through retained legal counsel. 
Understand this clearly : this is not a casual request. If this matter is not resolved swiftly and these fraudulent entries are not removed, I am fully prepared to escalate this issue in court. My legal team is already on standby and prepared to proceed. 

This is your opportunity to resolve this without litigation. Choose wisely.

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 2025-05-09 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TN

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this formal complaint to report that my personal and financial information has been compromised and mishandled in a manner that constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ). As a federal student loan borrower, I have discovered that sensitive data connected to my identity and educational financial aid was either accessed, shared, or reported without proper protections or consent. 

This breach of privacy has resulted in : Unverified derogatory marks on my credit reports from multiple student loan servicers ( specifically, XXXX XXXX XXXXXXXX XXXX Incorrect reporting of late payments despite my loans being in approved deferment/forbearance or other protected statuses Damage to my credit profile without any due process or resolution from the servicers I have attempted to correct these inaccuracies by submitting disputes to Equifax, Experian, and TransUnion. However, despite pointing out multiple inconsistencies, unverified entries, and outdated personal data, no resolution has been provided. My credit has been negatively impacted, and I believe this stems from a deeper systemic failure to protect my private educational records. 

Violations Identified : FERPA Violation : Mishandling of educational financial data, including exposure of PII to third-party reporting agencies without proper disclosure or oversight. 
FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) : Furnishing inaccurate or unverifiable information 15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation 15 U.S.C. 1681b : Unauthorized access/inquiries to my consumer file

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 2025-05-09 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: MD

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX credit card payment was scheduled with an agent on phone they did not take out payment and reported me late and charged late fee .. after complaining they retaliated by lowering my credit limit when nothing has changed on my credit report other than their mistake!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX - XX/XX/year> XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX  XXXX - XX/XX/year> XXXX XXXX XXXX XXXX  - XX/XX/year>

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 2025-05-09 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-05-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-05-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-05-09 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
XXXX XXXX XX/XX/year> TRANSUNION CREDIT BUREAU Re : Notice of Dispute for Late Payment Entry Account ; XXXX XXXXXXXX XXXX Date of Alleged Late Payment : ( XX/XX/year> ) ( XX/XX/year> ) ( XXXX ) Dear Sir/Madam, I am writing to formally dispute an entry on my credit report regarding XXXX late payments associated with my mortgage account, Account : XXXX XXXX XXXX. I would like to clarify the circumstances surrounding this account and explain the basis of my dispute. 
Upon reviewing my credit report, I initially believed that the account was fraudulent and disputed it as such. However, after further investigation, I have learned that this mortgage account was transferred from another lender to XXXX XXXX. I did not realize this transfer had occurred, which led me to mistakenly assume the account was fraudulent. I now acknowledge that this account is indeed mine, and I am taking full responsibility for it. 
That being said, I am disputing the late payment entries reported on this account, as I believe they are incorrect. Specifically, I have reviewed the documentation related to this account and believe that there are discrepancies with the dates/payment amounts reported as late payments. 
Additionally, I spoke with XXXXXXXX XXXX XXXXXXXX, and they informed me that they did not report any late payments to the credit bureaus. This further complicates the situation, as the late payments should not have been reported under the current circumstances. 
Therefore, I am invoking my rights under FCRA Section 611 ( a ) and formally dispute the accuracy of these late payment entries. I request that the credit bureau conduct a full investigation into this matter, including a review of the lenders reporting history, and remove these entries if they can not be fully verified. 
Those payments entries are unverified, outdated which make them illegal. If the late payment entries can not be properly verified, I request that they be removed from my credit report. 
Thank you for your attention to this matter. I look forward to your investigation and an updated report reflecting the corrected information. 
Sincerely, 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 2025-05-09 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:
In accordance with the fair credit reporting act the following accounts has violated my rights : These hard inquiries are fraudulent and do not belong to me. 

XXXX - XX/XX/2024 XXXX XXXX - XX/XX/2024 XXXX XXXXR XXXX XX/XX/2024 XXXX XXXX - XX/XX/2024 XXXX - XX/XX/2024 XXXX XXXX XXXX XX/XX/2024

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