vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information requi
red by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

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 2025-04-04 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: NJ

Complaint narrative:
Upon me Reviewing my credit reports I noticed A credit Card opened in my name

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 2025-04-04 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: NJ

Complaint narrative:
Upon me Reviewing my credit reports I noticed A credit Card opened in my name

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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

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 non-monetary relief
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply 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 2025-04-04 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX Account Number : XXXX Amount : {$990.00} Date of Account: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 2025-04-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a hard inquiry in my credit report from CBNA  on XX/XX/XXXX. I did not initiate this. This is not mine. My mail was stolen in XX/XX/XXXX which contained my drivers license and I suspect that it was used to get a credit card or some service. I have never heard of CBNA not done any business with them. I have only XXXX contact number XXXX. All the others are fraud. My email has always been - XXXX. My mailing and physical address have been XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All the other addresses are false.

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 2025-04-04 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-04-04 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. In addition I am currently in litigation against XXXX XXXX XXXX and XXXX XXXX XXXX. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian -- -- - Account name : XXXX XXXXXXXX Account number : XXXX Account Balance : {$6900.00} Date opened : XX/XX/XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account Balance : {$1700.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account Balance : {$120000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account Balance : {$6700.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$8400.00} Date opened : XX/XX/XXXX XXXX -- -- - Account name XXXX XXXX XXXXXXXX Account number : XXXX Account Balance : {$6900.00} Date opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account Balance : {$120000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$8400.00} Date opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account Balance : {$6700.00} Date opened : XX/XX/XXXX Transunion -- -- - Account name : XXXX XXXXXXXX Account number : XXXX Account Balance : {$6900.00} Date opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account Balance : {$120000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$8400.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account Balance : {$6700.00} Date opened : XX/XX/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 2025-04-04 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. In addition I am currently in litigation against XXXX XXXX XXXX and XXXX XXXX XXXX. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian -- -- - Account name : XXXX XXXXXXXX Account number : XXXX Account Balance : {$6900.00} Date opened : XX/XX/XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account Balance : {$1700.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account Balance : {$120000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account Balance : {$6700.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$8400.00} Date opened : XX/XX/XXXX XXXX -- -- - Account name XXXX XXXX XXXXXXXX Account number : XXXX Account Balance : {$6900.00} Date opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account Balance : {$120000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$8400.00} Date opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX Account Balance : {$6700.00} Date opened : XX/XX/XXXX Transunion -- -- - Account name : XXXX XXXXXXXX Account number : XXXX Account Balance : {$6900.00} Date opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account Balance : {$120000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$8400.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account Balance : {$6700.00} Date opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: FL

Complaint narrative:
Tried paying my credit card through Fidelity. The Fidelity to Elan Financial Services login doesn't want to work. It's not letting me pay my credit card bill. I would like to pay my bills but can not because of IT failures.

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 2025-04-04 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX was showing 2 notification and messages in the upper right hand corner other than 1. I clicked on the notification thinking it was the right one and my computer sent out an alarm i could not silence. At that time, I had no longer control of my computer and it gave me a signal to call XXXX XXXX to fix the problem. At that point I figured it was my tech support which then a rep advd me that XXXX was no longer protection my computer and was over billing me and he would xfer me to that dept to get refunded that XXXXXXXX XXXX  was already protecting me. XXXX came on the line whom I thought was rep from XXXX and clms to adj my acct but insisted to send me my refund thru my bank. I did not give him my bank info, but he game me info to put in my bank website and advd would give me {$25.00} cr when I put in {$25.00} he hit something on his end and said I took {$25000.00} and started to yell at me that I needed to return it!! Bank of America called me with a few minutes and said someone was hacking into my account and I needed to hang up and turn off computer. XXXX from BofA asked me to go into bank immediately and file fraud report, which I did and now after being a customer of 37 years has told me that they can not retrieve my funds back from recipient bank and have closed my claim, I am retired and this was my mortgage to get me through the end of 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 monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Today I received a letter dated XX/XX/XXXX from Home Depot which stated my account thats always been in Good standing has been closed. Reason being I had 2 checks returned in the last 6 months. As long as Ive had a Home Depot card I have never had a check returned to MY bank. Or written a check that was returned for any reason. In XXXX I called and informed the fraud dept something was wrong. I couldnt use my card. Some one besides myself was making payments to the account. 2 to be exact .i told them I make my payment on the 1st and that was Not me making these payments. I was Instructed not to worry about by the agent .Really sir. I was issued a new card. 
In XXXX or XXXX someone attempted to change my address and request a new card. I know this because now card # 2 is not working. No one notified me a card was issued. 
I never received the card .they sent yet another card the account number is XXXX XXXX XXXX XXXX. Today I get a letter that account has been closed. Because my account had 2 returned checks in 6 months. Even though I notified them I had no knowledge of anyone making payment to this account in XXXX maybe late XXXX. I didnt have any returned checks .my payments come from XXXX XXXX XXXXXXXX XXXX XXXX. Those payments they couldnt say who made them but they was returned. Now this will show on my credit for no fault of my own. Resolution I was told to reapply .again.

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 2025-04-04 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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