vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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 am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with XXXX XXXX, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding TransUnion 's unreasonable and frustrating process for freezing my credit. Despite logging into my account and verifying my identity, I was required to provide my Social Security number again and fill out additional forms to complete a credit freeze. On top of this, accessing customer support took an excessive amount of time, with no resolution in sight. 

These barriers make it unnecessarily difficult to exercise my right to protect my credit, and I find this process unacceptable. I am requesting that the CFPB investigate TransUnion 's practices and ensure that consumers can complete credit freezes without such undue hardship. 

Thank you for your attention to this matter.

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 2025-01-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to SYNCB/PAYPAL to XXXX dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that SYNCB/PAYPAL being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : XXXX complete and reasonable investigation within the 30-day period, as mandated by law. XXXX detailed explanation of your findings and the actions taken to correct any errors. 
3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to 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 2025-01-24 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: MN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, I received a notification from the credit bureaus that my credit score had decreased by XXXX points due to a late payment on a credit card. I have never had a late payment on a credit card, or a late payment in general. I have 8 active credit cards, a mortgage, and 2 cars. My credit card bills are always paid on time because they are always on automatic billing. So when I applied for and received a Chase Sapphire card, I mistakenly assumed that the automatic billing for the first 2 credit cards would transfer to the 3rd one since all of the credit cards are in the same portal in the Chase app. And since I signed up for paperless billing, I did not know that the bill was overdue until it was already past the 30-day mark, XX/XX/XXXX, XXXXThis {$210.00}. I paid the bill immediately, but the damage was done. My credit score dropped XXXX points and it will take years to recover. I immediately tried to contact Chase and have been trying to reach customer service regarding this issue with no contact with a live human since XX/XX/year>. Chase 's phone system makes it impossible to talk to a human. Today, XX/XX/year>, 3 months after the late payment, I finally reached a customer service representative, who was entirely unwilling to help. I requested a goodwill letter from Chase stating my excellent credit history ( 0 late payments across several years ), so that I can show it to the credit bureaus and get the late payment taken off my record. In a world of increasing greed and deregulation of big corporations like Chase, customers expect that making one mistake in 10 years of credit card history, won't ruin an entire lifetime of financial planning. 


Additionally, I was supposed to recieve XXXX reward points from chase after spending XXXX in the first 3 months of opening the account, but I never received that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My direct deposit was supposed to show up in my account XX/XX/year> but it has not been deposited into my account in the amount of {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 g 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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: OH

Complaint narrative:
They would take money out of my account without notifying me. They wont let me borrow after paying off the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: WI

Complaint narrative:
Contacted the number XXXX provided on XX/XX/2025 to get more information about this debt. The advised they was a third party and couldnt give me information on when I opened this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
It was not clear to consumers or customers to verify or funds to person before sending and sometimes money sent to wrong person and once delivered very hard to get funds back. Nothing was put in place to warn or confirm XXXX to sending money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed after reviewing my profile there were some inquiries that are not mine.

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 2025-01-24 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 was surprised to see incorrect accounts on my credit report this morning, and I dont know how they ended up there. I routinely check my credit report, but this time, unexpected errors appeared. I even refreshed my browser, hoping it was just a glitch, but nothing changed. Therefore, I am requesting a detailed review of the documents I provided to prevent any future concerns.

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 2025-01-24 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:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I review my report regularly, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiry remained. I am extremely frustrated by this issue and need it resolved immediately. Please review the documents I have provided carefully so I can have peace of mind and never face this problem 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 explanation
Consumer complaint received 2025-01-24 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 account with NR/SMS/CAL AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. NR/SMS/CAL AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX XXXX XXXX XXXX. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
Today, I discovered some inaccurate accounts on my credit report, and I have no idea how they appeared. I usually check my credit report regularly, but this time, I noticed some inconsistencies that werent there before. I attempted to refresh my browser to see if it was a temporary issue, but the inaccuracies persisted. Because of this, I kindly ask that my submitted documents be carefully reviewed so I can have peace of mind moving forward.

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
New account holder and setup bill pay to make payments ... {$350.00} same day payment on XX/XX/XXXX was returned on XX/XX/XXXX, then another attempt on XX/XX/XXXX for {$350.00} and received another email stating the payment was returned? Checked with my XXXX XXXX bank and they confirmed BOA has not made any attempts to withdraw from my checking account. They have suspended my bill pay twice now XX/XX/XXXX - ON hold for over XXXX minutes until connected. CSR told me there was not a return on bill pay and that I would have to wait XXXX hours for it to be reactivated even though she did not have any information to provide and said the account is current XX/XX/XXXX - Made online payment through BOA Portal for {$350.00} and received another email stating the payment was returned but no reason why and now my account is past due? Was not able to make payment via the portal, so had to call their XXXX to make the payment No one has been able to explain what the issue is and I'm at the point where I feel like its abusive, unfair and deceptive.. all violations of the FDCPA

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 2025-01-24 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: NY

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 2025-01-24 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: NY

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 2025-01-24 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: TX

Complaint narrative:
Dear Experian Dispute Department, I am submitting this letter to dispute the presence of several unauthorized accounts on my credit report. My personal information has been compromised, and I request an immediate investigation and removal of the following accounts that do not belong to me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were fraudulently opened and reported without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Protecting my right to accurate credit reporting and privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Prohibiting the reporting of accounts without my consent. 
Enclosed are supporting documents, including a personal statement detailing my identity theft situation, to assist with the resolution of this matter. 

Please investigate and take the necessary actions to remove these accounts from my report. Should you require any additional information, please contact me at your earliest convenience.

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 2025-01-24 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 am writing to formally file a complaint against Experian for failing to fully investigate disputes I have raised and for allowing inaccurate information to remain on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). I am deeply concerned that this failure is damaging my creditworthiness and hindering my ability to maintain financial stability. 

I have disputed certain entries on my Experian credit report that I believe are incorrect or outdated. Despite providing supporting documentation, Experian has not properly investigated my disputes and has allowed these inaccuracies to persist. In some instances, I have received no clear resolution, and the inaccurate information remains on my report without adequate explanation. 

Experians actions appear to be in violation of the Fair Credit Reporting Act, specifically Sections 1681i and 1681e ( b ), which require consumer reporting agencies to conduct a reasonable investigation into disputes and remove any inaccurate, incomplete, or unverifiable information. Additionally, as outlined by the Federal Trade Commission ( FTC ), these consumer protection laws are designed to ensure that credit reports are accurate, timely, and complete.

I am particularly concerned given that the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for similar violations. In recent lawsuits, the CFPB has accused Experian of failing to properly investigate consumer disputes and allowing incorrect information to remain on credit reports, despite clear evidence of inaccuracy. The CFPB has highlighted that such failures are not only violations of the FCRA but also directly harm consumers ' creditworthiness and access to financial services.

The continued presence of inaccurate information on my credit report is severely affecting my ability to obtain credit, secure loans, and make important financial decisions. It is distressing to experience such harm despite my efforts to address the matter through the dispute process.

I respectfully request that the CFPB intervene and ensure that Experian conducts a full and proper investigation into my disputes, in line with the protections guaranteed under the FCRA. I also request that any inaccurate, outdated, or unverifiable information be promptly removed from my credit report, as per the law. 

Account # : 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
Consumer complaint received 2025-01-24 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: WA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized items on my credit report and request their immediate removal. Upon reviewing my credit report, I noticed several entries that I believe are inaccurate and have not been authorized by me. These entries are negatively impacting my credit score, and I am seeking your assistance in resolving this matter promptly. 

The unauthorized items are listed as follows : List below I have not applied for credit with these creditors nor authorized any transactions that would have resulted in these accounts. As required by law, I request that these unauthorized items be thoroughly investigated, removed from my credit report, and corrected immediately. 

I have attached relevant documentation supporting my claim, including any correspondences or evidence that demonstrate that these items were reported in error. 

Please confirm receipt of this complaint and provide an update on the status of my request as soon as possible. Should you need any further information, do not hesitate to contact me at the phone number or email listed above. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation