vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 reported to be removed/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. 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!

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 2025-03-01 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:
This morning, I discovered that my credit report contained inaccurate accounts, and I dont understand how this happened. As part of my routine, I reviewed my report, but this time, I found errors that had not been there before. I attempted to refresh my browser, thinking it might fix the issue, but the incorrect accounts remained. Because of this, I am asking for a careful review of the documents I submitted so I can stop worrying about 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 explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I opened by BOA checking account on XX/XX/year> as a NEW customer who was entitled for the sign-on bonus after meeting the direct deposit requirement. However, BOA did not issue the promised bonus stating that I was NOT a new customer. That was incorrect. When I opened my account ending in XXXX on XX/XX/year>, I was a NEW customer. Then afterwards, on XX/XX/year>, I was added as a co-owner for another account ending in XXXX. This XXXX account has a long history and existed before I became a customer with BOA. So I was qualified for this bonus when my account XXXX was opened on XX/XX/year>. The account was opened in a financial center. I was added as a co-owner for XXXX account in another financial center.

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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filling 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 an address fraud on there 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: PayTomorrow, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right. 

Under 15 USC 1681 Section-602, it states I have the right to privacy.

15 USC 1681, Section 604 ( a ) ( 2 ), it also states a consumer reporting agency can not furnish an account without my written instruction.

Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
My profile contains incorrect personal information. Kindly check all the documents that have my correct and accurate details.

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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: TX

Complaint narrative:
Sequoia Financial Services I am writing to formally address the emotional distress caused by the wrongful collection efforts made by your company on behalf of XXXX XXXX XXXX XXXX regarding the claim identified as Claim # XXXX. These efforts were made without any proper evidence of my liability, and I have been subjected to unnecessary stress, XXXX, and emotional hardship due to your actions. 

As a result of your companys continued attempts to collect payment from me, I have experienced significant emotional distress. I have had difficulty sleeping, increased XXXX, and a constant sense of worry. The stress caused by this situation has affected my day-to-day life and overall well-being. I trust you understand the importance of handling such matters with fairness, as the lack of clear evidence against me renders these collection efforts inappropriate. 

Given the emotional burden this situation has caused, I am seeking compensation in the amount of {$2500.00} for the distress and impact it has had on my life. Should this matter not be resolved amicably, I will be forced to pursue further action, which may include involving legal counsel and escalating this matter in court, which would likely increase the amount of compensation I seek to cover legal fees and additional damages. 

Please be advised that I expect a resolution to this matter promptly. I kindly request that you respond to this demand within 14 days from the date of this letter. If you choose to settle this matter before litigation, the amount of {$2500.00} is my proposed settlement figure. 

If I do not receive a satisfactory response, I will be compelled to pursue further action, including consulting with an attorney and possibly filing a lawsuit for damages related to emotional distress, defamation, and any other applicable claims. 

I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I been getting the run around I reached out to TRANSUNION on XX/XX/year> trying to find out why they didn't delete a collection on my report from THE BUREAUS COLLECTION AGENCY they told me to put a dispute in because they have no record from the collection agency I asked well why is that the other XXXX agencies deleted it & they received it no valid answer. I then put a dispute in & uploaded my proof from the collection agency THE BUREAUS & all of sudden TRANSUNION claims they don't see my dispute

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 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I have a complaint regarding Bank of America. They closed my secured credit card. I opened my secured in a branch with a XXXX. I opened {$5000.00} secured can and deposited that amount for my card. Since card was opened I just did small purchases and made my payments on time. Now they closed my secured card. I find it absolutely unacceptable how they treat a client who decided to start a credit building with them. If I knew how they treat a customer I would have opened secured card with another financial institution. At this moment I believe it is some kind of a mistake from their side, so I still want to have card with them. Please help with this issue.

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 2025-03-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am submitting this formal dispute regarding multiple inaccurate and unauthorized accounts and inquiries appearing on my Equifax credit report. Additionally, I am notifying Equifax of its violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and 15 U.S.C. 1611 ( 1 ) due to your failure to protect my private data, willful noncompliance with credit reporting laws, and failure to conduct a proper reinvestigation of disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian for failing to remove inaccurate information from my credit report within the timeframe mandated by federal law. On XX/XX/year>, I disputed the inaccurate reporting of an account from XXXX on my Experian credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under the FCRA, credit reporting agencies are required to investigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute, or 45 days if additional information is provided. However, Experian has failed to comply with this legal requirement, as the disputed account remains on my report beyond the statutory timeframe. This failure has negatively impacted my creditworthiness and caused me financial harm.

Additionally, under 15 U.S.C. 1681e ( b ), Experian is required to follow reasonable procedures to ensure the accuracy of the information it reports. The continued presence of this inaccurate account demonstrates a clear violation of this obligation. Furthermore, I have the right to an accurate credit file under the Fair and Accurate Credit Transactions Act ( FACTA ), yet Experians inaction has deprived me of this right. Their negligence in correcting this error not only violates federal law but also hinders my ability to secure credit under fair terms.

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 2025-03-01 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 accounts 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 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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:
This morning, I discovered that my credit report contained inaccurate accounts, and I dont understand how this happened. As part of my routine, I reviewed my report, but this time, I found errors that had not been there before. I attempted to refresh my browser, thinking it might fix the issue, but the incorrect accounts remained. Because of this, I am asking for a careful review of the documents I submitted so I can stop worrying about 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 2025-03-01 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: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Without informing me in any way, a merchant processed a transaction as a cash advance for no apparent reason. That produced interest and other charges to my account. I have asked the company repeatedly to process the transaction as a normal credit card transaction unsuccessfully. 

The transaction in question took place on XX/XX/year> for {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Equifax for their failure to properly verify and resolve a credit dispute involving my XXXX XXXX  credit card account. It has been over 30 days since I disputed this account, yet Equifax has failed to comply with legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that disputes must be resolved within 30 days. 

When I disputed the account, I specifically asked Equifax to verify the accuracy of the information reported, in accordance with the FCRA, which requires credit reporting agencies to conduct a thorough investigation. Instead of conducting an independent investigation, Equifax relied solely on information from XXXX XXXX, which is not legally sufficient as XXXX XXXX is the entity reporting the disputed information. This failure to verify the account is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ), which requires that upon receipt of a dispute, a consumer reporting agency must investigate the disputed information.

Additionally, under 15 U.S.C. 1681b, I am entitled to the fair and accurate reporting of my credit information, which Equifax has not provided. The continued presence of the inaccurate information on my credit report has caused significant harm to my familys livelihood, as we have been unable to secure housing due to the negative marks on my credit. This has become a financial and emotional burden, impacting not only my familys ability to find a home but also causing ongoing distress and hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
My profile contains incorrect personal information. Kindly go through all the documents that reflect my accurate details.

Company response to consumer: Closed with non-monetary relief