vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I was scammed by the company XXXX. Long story short, when I had logged in my XXXX account it had told me that my XXXX account was logged in XXXX  and also XXXX  places i've never been in my life. Like any other person would do i looked up XXXX  customer service on XXXX and i got XXXX different numbers which was suppose to be XXXX customer service, so i ended up calling the XXXX number which was XXXX ( XXXX ) you know normally when you calling to pay a bill or anything you get a automatic person before you talk to a agent and hit XXXX it was not that once i called that number it was like i was calling my mother or grandma and it ring ring and then someone picked up and said hello this is XXXX XXXX calling from XXXX customer service how may i help you and in the background i heard like XXXX different people so i thought it was legit like they was working in a booth side to side and everybody talking in one office and from their it went on. Once i thought about it i was thinking if they claimed they worked for XXXX customer service how did they know anything about XXXX  XXXX XXXX and cash app but he kept saying ma'am something is linked in your data based on the marketplace and they are trying to take money from your cards ending in XXXX and XXXX so of course with me thinking he worked for XXXX customer service im thinking he knew what he was talking about long story short he got me to download this app called XXXX  and he kept saying he can't see any of my information the screen goes black just saying lies and basically he seen everything i was doing so basically he have all my information got me to take a picture of the front and the back of my id and he basically hacked into my whole phone and also took all my money and once i told him my cousin didn't have the physically card with her to link back to cash app he hung up and blocked my number and took all my money which was XXXX and at the end of the day its not my fault. He had me doing a lot of different things transferring my money into another account and asked me did i have someone with me to send my money to and i said yes and he got me to send it to my cousin XXXX XXXX and he made her take her debit card off cash app and gave her one to link to and after he linked a fake card or his debit card to my cousin account and once he added his debit card he withdrawal my money into his debit card ending in XXXX and of course i didn't take a picture of his card or information because he claimed that was a card where my money will be secured and that would be scammed if i did that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-02-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-02-07 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: IN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-02-07 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: MD

Complaint narrative:
Its incredibly frustrating to see accounts still showing up inaccurately on my credit report. Ive tried multiple times to resolve this with you, but nothing has been done.

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 2025-02-07 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: CL Holdings LLC
State: IL

Complaint narrative:
I am writing to formally dispute the unauthorized addition of my name as an authorized user on a credit card account that I never consented to. The details of the account in question are as follows : Account Name : JEFFERSON CAPITAL SYSTEMS Account Number : XXXX Account Holder : Unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
Its really frustrating to know my credit score has been suffering because of accounts that arent even mine. Its been weighing on me for a while, and I cant help but wonder what opportunities Ive missed because of it.

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 2025-02-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX 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 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my Experian credit report. On XX/XX/year>, I sent a dispute letter with supporting documentation to Experian via certified mail, yet I have not received a response. Additionally, the disputed accounts have not been marked as in dispute on my credit file, which is a violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). Experians failure to acknowledge and investigate my dispute within the required timeframe is unacceptable and must be rectified immediately. 
Complaint The following accounts contain inaccurate or unverifiable information : XXXX. XXXX XXXX  Account Number XXXX Reporting inaccurate past-due balance of {$220.00} as of XX/XX/year>. 
Multiple attempts to dispute directly with the creditor have failed. 
2. XXXX Account Number XXXX Listed as Paid, Closed, but I request verification that all reported information is accurate. 
3. [ Creditor Name ] Account Number XXXX Reported as Charged Off with an inaccurate balance of {$740.00} written off. 
4. XXXX XXXX XXXX Account Number XXXX Charged-off status with a balance of {$1000.00} remains inaccurate despite multiple disputes. 
5. XXXX XXXX Account Number XXXX Closed account, but I request verification of the reporting details. 
6. XXXX XXXX XXXX XXXX  Account Number XXXX Charged-off status with a balance of {$1400.00} is incorrect. 
7. XXXX XXXX  XXXX Account Number XXXX Inaccurate reporting of charge-off status with a balance of {$410.00}. 
8. XXXX XXXX Account Number XXXX Charged-off status remains unverified despite multiple dispute attempts. 
9. XXXX XXXX BANK Account Number XXXX Incorrect charge-off status with an inaccurately reported balance of {$420.00}. 
10. XXXX XXXX XXXX  Account Number XXXX Charge-off reported incorrectly with a past-due balance of {$480.00}. 
11. XXXX XXXX Account Number XXXX XXXX  XXXX is reporting derogatory information that I believe to be inaccurate and unverifiable. 
12. XXXX XXXX XXXX Account Number XXXX Incorrect charge-off reporting with a balance of {$2500.00}. 
These inaccuracies negatively impact my credit profile and have caused undue harm. I have made multiple attempts to resolve these discrepancies directly with the creditors, but they continue to be reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my Experian credit report. On XX/XX/year>, I sent a dispute letter with supporting documentation to Experian via certified mail, yet I have not received a response. Additionally, the disputed accounts have not been marked as in dispute on my credit file, which is a violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). Experians failure to acknowledge and investigate my dispute within the required timeframe is unacceptable and must be rectified immediately. 
Complaint The following accounts contain inaccurate or unverifiable information : XXXX. XXXX XXXX  Account Number XXXX Reporting inaccurate past-due balance of {$220.00} as of XX/XX/year>. 
Multiple attempts to dispute directly with the creditor have failed. 
2. XXXX Account Number XXXX Listed as Paid, Closed, but I request verification that all reported information is accurate. 
3. [ Creditor Name ] Account Number XXXX Reported as Charged Off with an inaccurate balance of {$740.00} written off. 
4. XXXX XXXX XXXX Account Number XXXX Charged-off status with a balance of {$1000.00} remains inaccurate despite multiple disputes. 
5. XXXX XXXX Account Number XXXX Closed account, but I request verification of the reporting details. 
6. XXXX XXXX XXXX XXXX  Account Number XXXX Charged-off status with a balance of {$1400.00} is incorrect. 
7. XXXX XXXX  XXXX Account Number XXXX Inaccurate reporting of charge-off status with a balance of {$410.00}. 
8. XXXX XXXX Account Number XXXX Charged-off status remains unverified despite multiple dispute attempts. 
9. XXXX XXXX BANK Account Number XXXX Incorrect charge-off status with an inaccurately reported balance of {$420.00}. 
10. XXXX XXXX XXXX  Account Number XXXX Charge-off reported incorrectly with a past-due balance of {$480.00}. 
11. XXXX XXXX Account Number XXXX XXXX  XXXX is reporting derogatory information that I believe to be inaccurate and unverifiable. 
12. XXXX XXXX XXXX Account Number XXXX Incorrect charge-off reporting with a balance of {$2500.00}. 
These inaccuracies negatively impact my credit profile and have caused undue harm. I have made multiple attempts to resolve these discrepancies directly with the creditors, but they continue to be reported incorrectly.

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 2025-02-07 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
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 explanation
Consumer complaint received 2025-02-07 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: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I paid the balance owed do the I could close the account and then the balance changed on the same card without me making new charges and the account is no being reported late and me still owing money when the card was asked to be closed lager I paid all the late fees and charges on the card. I have included a picture of my last statement showing the balance that I paid and they added to the balance after the placed showed was paid in full and asked to be closed per the customer. please look at the statement I have included and you will see the discrepancy in the amount of the balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
This company reported an overdraft of {$320.00} to Chexsystems before they ever investigated my claim. I reported them to the CFPB and they gave me monetary relief of {$300.00} because they were wrong. They however, have not removed the information from the chexsystems. I applied for a bank account today with XXXX and was denied because of this fraudulent reporting. 

See CFPB report 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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company 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 2025-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
We received notice of transfer of mortgage account from XXXX XXXX XXXX Servicing to Carrington Mortgage XXXX XX/XX/XXXX. 
When we contacted Carrington Mortgage on XX/XX/XXXX we were told by both XXXX XXXX on Phone & thru Carrington Mortgage XXXX XXXX that the mortgage account would not be ready until Friday XXXX XXXX as Carrington was still in process of onboarding the account. 
Today Friday XX/XX/XXXX we contacted Carrington Mortgage by phone as requested & were told the account can not be found and is still in the onboarding process which takes XXXX business days. This is not what was said on the Carrington online portal, however now on XXXX XXXX the Carrington online portal says their is a problem with the account & contact customer service. We have been getting nothing but a complete runaround since XX/XX/XXXX and it is not acceptable. We need to request our account information immediately from Carrington for a payoff Figure through XX/XX/XXXX and a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-02-07 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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