vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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.

EQUIFAX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I had dropped my phone in XXXX, NY while I was on a XXXX  call. I was using XXXX  so I didnt know I dropped it until I got disconnected from the call. Whoever found my cell phone, they were able to get into the XXXX app and send money via Zelle. They also used XXXX, XXXX, XXXX and XXXX. However XXXX still claimed that I was the one using Zelle to send money.

When the theft occurred in XXXX, I attempted to contact Zelle

but there is no direct customer service number available. I went to my local police dept and they said I'd have to give them bank statements showing the theft. I went to XXXX and they told me the bank statements were not ready yet for XXXX. I had to wait, meanwhile I tried contacting Zelle again and I couldn't get in contact with Zelle at all. 
I told XXXX XXXX about the theft and they refuse to refund the money and told me to contact Zelle ( XXXX claims they denied it due to my transaction history of using Zelle which is completely false. I rarely used Zelle and NEVER sent anyone {$1000.00} or {$900.00}. The total amount of the theft was {$2900.00}, I money I save for a new apartment ). 
The Zelle transfers was money sent to 3 different women : XX/XX/XXXX {$1000.00} to XXXX XXXX XXXX XXXX ), XX/XX/XXXX {$1000.00} sent to XXXX XXXX XXXX XXXX ) and on XX/XX/XXXX {$900.00} sent to XXXX XXXX ( XXXX ). 

I managed to locate the Fraud form on the Zelle website and filled out forms on XX/XX/XXXX. I did a form for each transaction. I included the payment ID. I received NO confirmation that they received the Fraud forms.

Please inquire on my behalf and get some answers. Both XXXX and have been useless in resolving this issue.

Thank you and God bless you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the validity of the debt and request that you provide the necessary documentation to prove I am responsible for the amount you claim. 

Please provide the following information : XXXX. The amount of the debt you allege I owe. 
XXXX. The name of the creditor to whom the debt is owed XXXX. A copy of the original contract or agreement bearing my signature XXXXA breakdown of the charges and fees applied to the debt. 
XXXX. Proof that you have the legal right to collect this debt, including any assignment or transfer of the debt to your agency. 


Until you provide the requested validation, I request that you cease all collection activities related to this account, including reporting this debt to any credit bureaus. Please also ensure that this account is marked as " disputed '' in my credit file. 

Please note that under the FDCPA, you are required to provide the requested information within XXXX  days of receipt of this letter. If you fail to do so, you must cease any further collection efforts on this debt, and it should be removed from my credit report. 

Thank you for your attention to this matter. I look forward to receiving the requested information. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024, this creditor was sent a Debt validation letter in accordance to the Fair Debt Collection Practices Act ( FDCPA ) to verify all information regarding this account which included a demand to show legal consideration that was owned, given and used by creditor to fund this account. A demand for proof of consideration and full accounting accuracy as well as proof creditor did not receive bank credit from Federal Reserve using my social security number and account. This Creditor failed to comply within the maximum time requirement to reply and provide requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
On XXXX I transferred XXXX to Gemini to buy bitcoin over the next XXXX  days I purchased XXXX and waited for my ACH to clear. My deposits have cleared but Gemini now has a security hold on my account for verification purposes. I was verified in 2020 on this platform and have been buying and selling since then with no issues. I sent the required verification documents on XXXX and cant get a response from the company or withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I have an open investigation going on with XXXX, XXXX AND TRANSUNION regarding inaccurate information that is being reported on my credit file. XXXX mailed me a letter stating that it could not remove information from my report even though, I submitted proof that such information was inaccurate and incomplete. This is a violation of my privacy rights as a consumer as well as 15 USC 1681 ( a ) ( 1 ), 1681 ( a ) ( 3 ) and 15 USC 1681 ( a ) ( 4 ). In their letter they also mentioned that I needed to resubmit my identity theft report along with a copy of my ID. As a result, I'm sending copies of ALL documents to ALL reporting agencies to aid in the removal of the inaccurate and unauthorized items listed on my consumer report. Information on my report must be accurate among all reporting agencies including XXXX XXXX agencies pursuant to 15 USC 1681e ( b ). I have a right to have these items removed according to 15 U.S.C. 1681i.

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 2025-01-08 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:
I have an open investigation going on with EXPERIAN, XXXX AND XXXX regarding inaccurate information that is being reported on my credit file. XXXX mailed me a letter stating that it could not remove information from my report even though, I submitted proof that such information was inaccurate and incomplete. This is a violation of my privacy rights as a consumer as well as 15 USC 1681 ( a ) ( 1 ), 1681 ( a ) ( 3 ) and 15 USC 1681 ( a ) ( 4 ). In their letter they also mentioned that I needed to resubmit my identity theft report along with a copy of my ID. As a result, I'm sending copies of ALL documents to ALL reporting agencies to aid in the removal of the inaccurate and unauthorized items listed on my consumer report. Information on my report must be accurate among all reporting agencies including XXXX XXXX agencies pursuant to 15 USC 1681e ( b ). I have a right to have these items removed according to 15 U.S.C. 1681i.

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-08 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: RI

Complaint narrative:
Hi, I would like to initiate an investigation into these accounts, as there appears to be an issue with their accuracy on my credit report. These accounts, which had been removed, have now been added back without my knowledge. I have not been notified of this change or received any communication regarding it by mail.

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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: CA

Complaint narrative:
I opened a complaint with cash app because my car was broken into and my purse with everything was stolen. My cash app card was used for XXXX transactions that went through. XXXX for {$90.00} at XXXX and another for {$18.00} at XXXXXXXX XXXX XXXX. My complaint was close after cash app responded. In their response they claimed that i was refunded the {$90.00} which is not true. They also left out the {$18.00}. I spoke with a cash app representative today on XX/XX/year> who confirmed that my payments have not been reversed. The representative also submitted my complaint to be reviewed again and provided me with a case # XXXX. The representatives name is XXXX. He was very confused on why theres so much confusion when Ive proven that my car was broken into and my card was fraudulently used. Cash app has sent a response that they did not hold up to. They claim that my money was refunded on XX/XX/year> and that is not accurate. It is extremely unprofessional for someone to have to go through such lengths just to get my money back after submitting more than enough proof to back what has happened to me. To have someone violate me by breaking into my vehicle and steal my personal belongings then have to struggle with a company like cash app to get my money back is unacceptable and a reflection of the flaws in their business practices. I would like more than a bogus response and to actually have both transactions credited back to my account immediately. {$90.00} from XXXX and {$18.00} from XXXX XXXX XXXX. My cash app name is $ XXXX. There should be no issues finding my account and crediting back what belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
Please correct my address information. Equifax lists XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, and XXXX XXXX XXXX XXXX  XXXX, XXXX, NJ XXXX, but my correct address is XXXX XXXX XXXX, XXXX, NJ XXXX. This inaccurate information violates the FCRA 's requirements for maximum possible accuracy under 15 USC 1681e ( b ) and could also violate the permissible purpose rule under 15 USC 1681b. Inaccurate personal information on my credit report can create confusion, harm my creditworthiness, and raise concerns about how securely my data is being handled. I rely on my credit report for important financial decisions, and errors like these make it unnecessarily difficult to maintain a clear and accurate profile. I'm asking for this to be corrected quickly, and I'd appreciate your help in ensuring my report is accurate and up-to-date. If this inaccuracy isn't resolved, it may qualify as willful noncompliance, which could lead to a penalty of no less than {$1000.00} under 15 USC 1681n. Please also confirm in writing once the correction has been made and provide me with an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-08 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-08 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am disputing inaccurate personal information on my credit report based on the following legal violations : XXXX. FCRA ( 15 USC 1681 ) Violations : Section 1681e ( b ) : Failure to maintain accuracy Section 1681i ( a ) ( 1 ) : XXXX investigation requirement violated Section 1681i ( a ) ( 5 ) : Failure to delete inaccurate information XXXX. Privacy Act ( 5 USC 552a ) Violations : Section 552a ( e ) ( 5 ) : Maintaining inaccurate records Section 552a ( d ) ( 2 ) : Denying amendment rights Section 552a ( b ) : Unauthorized disclosure XXXX. CFPB Regulation Violations : 12 CFR 1022.42 ( a ) : Failure to maintain reasonable procedures 12 CFR 1022.43 ( e ) : Inadequate dispute investigation CFPB Bulletin XXXX : Investigation timing requirements not met The only accurate personal information is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Birth : XX/XX/year> Current Employment : Self Employed Previous Employment : XXXX Any other variations of my personal information are incorrect and violate these statutes and regulations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am disputing inaccurate personal information on my credit report based on the following legal violations : XXXX. FCRA ( 15 USC 1681 ) Violations : Section 1681e ( b ) : Failure to maintain accuracy Section 1681i ( a ) ( 1 ) : XXXX investigation requirement violated Section 1681i ( a ) ( 5 ) : Failure to delete inaccurate information 2. Privacy Act ( 5 USC 552a ) Violations : Section 552a ( e ) ( 5 ) : Maintaining inaccurate records Section 552a ( d ) ( 2 ) : Denying amendment rights Section 552a ( b ) : Unauthorized disclosure XXXX. CFPB Regulation Violations : 12 CFR 1022.42 ( a ) : Failure to maintain reasonable procedures 12 CFR 1022.43 ( e ) : Inadequate dispute investigation CFPB Bulletin XXXX : Investigation timing requirements not met The only accurate personal information is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Birth : XX/XX/year> Current Employment : Self Employed Previous Employment : XXXX Any other variations of my personal information are incorrect and violate these statutes and regulations

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 2025-01-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CORELOGIC INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are the legal owner of the property located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX hereby formally demand that you cease and desist from making any further payments on behalf of the Trust to the tax authority related to this property. 
It has come to our attention that Core Logic has made a payment for property taxes that were not delinquent and without our authorization. This action is improper, unauthorized, and raises serious concerns regarding interference in my financial and legal affairs. 
I, XXXX XXXX, Trustee, hereby declare under penalty of perjury that : XXXX. I am the Trustee of XXXX XXXX XXXX and XXXX XXXX XXXX that is the legal owner { XXXX ) of the property located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 2. My property tax payments are up to date and were not delinquent at the time Core Logic issued payment.

3. I did not authorize Core Logic or any related entity to make tax payments on behalf of the XXXX 
Demand I demand the following : 1. A written explanation detailing why Core Logic made this payment, including the legal authority, if any, under which it was done.

2. Immediate cessation of any further payments related to my property without explicit written authorization from me.

3. Confirmation that Corelogic will not interfere with my property tax obligations in the future. Failure to comply with this demand will result in further action, which may include filing a complaint with regulatory authorities and pursuing legal remedies to protect my 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation