vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: FL

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 explanation
Consumer complaint received 2025-02-19 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: FL

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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have been victim of fraudulent activity in my accounts i submit a FTC report. please review this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-19 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
Subject : Unauthorized Access & Misrepresentation of Debt Dear CFPB, Im filing a complaint for violating my privacy rights and misrepresenting a debt they claim I owe. 

Heres what happened : 1. Unauthorized Access to My Credit Report They pulled my credit report without my permission, which is a clear violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ). I never gave them written consent or authorized any agreement that would allow this. They have reported this information and it is damaging my reputation when I have no agreement or have ever done business with this company.

2. Failure to Prove I Owe This Debt Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), theyre supposed to provide proof that I actually owe the debt. Ive asked, and they havent given me anything validjust generic statements with no real documentation. This is a blatant disregard to the laws that protect consumers.

3. False Reporting & Misrepresentation Theyre reporting this debt as if its legitimate when they havent proven they have the legal right to collect it. Thats deceptive and against FDCPA ( 15 U.S.C. 1692e ).

4. Privacy Violations & Harassment Theyre trying to collect without proper documentation, and their actions are not only invasive but also illegal. Their reporting publicly to my credit report is harassing in nature.

What I Want : Remove any unauthorized credit inquiries and delete this account in its entirety from my credit report.

Provide legitimate proof of this debt if its valid. Show where I signed an agreement allowing you to access my private data or where your company name is in contract with me.

Investigate this company for violating consumer protection laws.

Hold them accountable for violating my rights.

This situation is causing me unnecessary stress, and Id appreciate your help in getting it resolved as soon as possible. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I went on line to change my auto policy, and was quoted {$230.00} a month going forward with XXXX. When I got my statement the price changed to {$640.00} a month. I called XXXX  and told them about it, and was told by a representative that they had been having issues with online services, and that she could issue me another policy, which was issued on XXXX and my monthly payment going forward would be $ XXXX {$360.00} monthly. I had this policy up until XXXX before switching back to XXXX XXXX. I knew nothing of this extra charge until seen on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: WA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I am trying to discuss and modify my XXXX application which was in pause from XX/XX/XXXX. It was originally placed on a processing forbearance and should then now be placed in a general forbearance until XX/XX/XXXX according to XXXX XXXX XXXX 

My servicer is Mohela, https : XXXX MOHELA XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX hold times to get any resolution at any time of day, any day of the week are three hours for a representative who can only review the account and then transfer to another line for an advanced representative where the wait time is another three hours. This is very poor servicing especially since they took over XXXX private loans as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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 credit card from the creditor on my credit report named like XXXX  on my credit report on the Experian, XXXX and XXXX Refuse to close the account and report to the credit bureaus show the account close on the credit agencies Even though the account at my request to closed on XXXX and I contacted them and they said they couldn't do anything, that it wasn't their responsibility and that I should talk to the credit agencies.

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 2025-02-19 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:
The credit card from the creditor on my credit report named like XXXX  on my credit report on the XXXX, TransUnion and XXXX Refuse to close the account and report to the credit bureaus show the account close on the credit agencies Even though the account at my request to closed on XXXX and I contacted them and they said they couldn't do anything, that it wasn't their responsibility and that I should talk to the credit agencies.

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 2025-02-19 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: FL

Complaint narrative:
The credit card from the creditor on my credit report named like XXXX  on my credit report on the XXXX, XXXX and Equifax Refuse to close the account and report to the credit bureaus show the account close on the credit agencies Even though the account at my request to closed on XXXX and I contacted them and they said they couldn't do anything, that it wasn't their responsibility and that I should talk to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX Without any prior notification attached a debt to my personal account and have harassed for payment. Claim is for XXXX XXXX when I have been a XXXX user for over 8 years now. This account does not belong to me and company should be removed and served a cease and desist for emotional and financial harassment. Financial compensation is been looked at as well

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Micro deposits were made into an account at XXXX  XXXX XXXX from Ever Bank, which was not authorized. This same method was used on a family member and then a larger amount of money was transferred from the XXXX XXXX XXXXXXXX account into an unknown and unauthorized Ever Bank account. They have had a difficult time recovering this from Ever Bank. 

Luckily we were able to stop any transactions going out of the XXXX XXXX XXXX account by seeing the micro transactions in time, but short of vigilant monitoring, is there a way to prevent linking accounts using these micro deposits?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: Experian Information Solutions Inc.
State: FL

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 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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/year> XXXX charges were put through on my account that I did not authorize. Called XXXX  XXXX  right away and set up a dispute. They allowed charges to go through, and now I am fighting them for my money back, feeling victimized all over again. Disputes were denied after 2 weeks with no explanation given. Was told to write a snail mail letter to their official address ( a XXXX XXXX XXXX and it would take about 2 business weeks to re open claims that should have never been closed. I am beyond unhappy. After I closed the card, the person who was putting these charges through was still trying, as 3 additional charges were attempted but denied. Even with that, XXXX still denied my claims. I have spent over four hours now on the phone with them, causing me aggravation and stress and their inability to giver me a straight answer on anything I ask.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
A Target Credit Card was fraudulently opened in my name on XX/XX/XXXX. The fraudulent applicant ran up a debt of {$730.00} which was charged off as bad credit on XX/XX/XXXX. During this time, I received no communications from Target ( e-mails, texts, calls, etc. ). I found about this account when re-applying for my secret security clearance to work on a United States XXXX XXXX project in late XX/XX/XXXX. 
I sent XXXX e-mails to XXXX on XX/XX/XXXX at XXXXXXXX XXXX ET and a second e-mail on XX/XX/XXXX at XXXX XXXX XXXX. I did not receive an answer and went into Target in person to see if there was anything else I can do. They directed me to this e-mail address to which I had already sent two e-mails. Please let me know if there is anything additional I can provide. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: NY

Complaint narrative:
Prior to XX/XX/year> I am unsure of the dates, but I contacted cash app because I was trying to pay my partners son an allowance through cash app and it was denied. He tried requesting the money, it was denied. We tried this several times over a few days, but got nowhere. I contacted cash app and theyd close representative told me it was for the other parties safety and they could not discuss other account information without permission. Myself, my partner, and my partners son contacted cash app all together and we were told they could only access one account per phone call, all we could be told was it was for my safety and the sons safety that the transaction had been declined, and we could only speak with a supervisor via email. We also attempted to give permission from all three of us for the transaction to be placed, but we were told that I would never ever, in either of our lifetimes, ever be able to get me funds or receive funds from each other. I then sent a couple emails back and forth with a supervisor and requested to know which policy or procedure or even where I agreed to an agreement which would reciprocate this transaction to be declined. I kept being told that it was for my safety and the sons safety and they could not provide any other information. I contacted the XXXX  to try to get somewhere with this and was contacted again by a supervisor, who told me the same thing ; it was for our safety and to basically not contact them again about this issue, but if I had any other concerns, I could reach out. At this time I decided it was in my best interest to close my cash app account. I went through the app and even tried on my laptop and when I went to close my account, it showed me instructions on how to close my account, and when I followed these instructions it only sent me to a link with the same instructions to close my account, there was no option to actually close the account. Just the circle that brought me to instructions. I emailed the supervisor about this issue, who sent me the same instructions that didnt work to close the account. I explained this twice to them before they stated they could close my account for me if I provided my information to them. I provided my information to them and just received another email from them telling me my information doesnt match their records, therefore, they cant close my account. Im constantly getting the run around with them and they shouldnt have had the right to deny my transfer of funds, and without reason. Nor should they have the right to refuse me to close my account. I did just send them screenshots of my account from my account to prove to them the information I provided was indeed correct, but now they are requesting for information that doesnt even exist and refusing to close my account.

Company response to consumer: Closed with explanation