vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: MS

Complaint narrative:
By law I have a right to a fair and accurate credit report without retaliation or discrimination. 
Equifax is discriminating against me. Information was removed due to lack of verification but Equifax never restores the scoring system points that they have taken from me due to unverifiable information that caused my persons score to decrease in the first place. Equifax has discriminated against me for years. Since XXXX my persons credit score has been under XXXX points which damages my credit worthiness and causes lenders to rate my credit worthiness unsatisfactory and causes lenders to try to issue my person a high interest rate loan or simply deny my person all together. As of XX/XX/XXXX my Equifax credit score is significantly lower than my XXXX and XXXX credit score. As of today my persons credit score is almost XXXX points in difference from my XXXX and XXXX credit score. THATS DISCRIMINATION when all 3 credit reporting companies get information from each other on consumers. XXXX and XXXX both have adjusted certain information as well as my persons credit score. Equifax is the only reporting agency who discriminates in timely response, reporting, recovery and accuracy on consumers and I would like to not be discriminated against and have my persons credit score accurately evaluated and adjusted accurately and accordingly to the correct possible and positive standards as the other credit reporting companies. 
XXXX XXXX XXXX XXXX Equifax XXXX I have also dealt with reinsertions of old accounts in the past that were once deleted, credit score drastically dropped after reinsertions with no kind of repair to my persons credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-03 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: TN

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-02-03 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:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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 ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-03 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: GA

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2025-02-03 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 no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
There was never anyone to speak with concerning my issues with cash app. There was no real XXXX number to contact when I had issues with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: DISCOVER BANK
State: VA

Complaint narrative:
I ordered a meal from chick fil a. XXXX XXXXthey gave me the incorrect meal. I called up immediately. Spoke with the manager on duty. It was not resolved. I called the following day and spoke with the lady on duty. She advised me that the manager would contact me that the actual manager was out of town and I would receive contact by the next day. No one called I called back againnseveral days later and the same lady answered apologized and advised me to file a dispute on the card. That it was not in there rules to bring the food back and that she would pass to the owner what occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
From the looks of it they've gotten bad information that was just corrected on XXXX. Negative payments on account changed to not late & paid off. But with payoff date in XXXX, instead of XX/XX/XXXX. So there's still Negative marks & it remains on my credit profile. They say they verified, but I know for a fact they didn't. Ive confirmed with them. Plus i had to get paperwork from them to send in. So all these stalling investigation games their playing is ridiculous & has impacted my life severely over the past years. Plus names on my profile & Phone number have been requested to be removed.

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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Starmark Financial LLC
State: GA

Complaint narrative:
Over the past month, I have received nearly a dozen calls and voicemails from someone claiming to be XXXX XXXX at StarMark Financial. I called back most times and asked them to stop contacting me and that I was not the person they were looking for. The calls have continued and I was met with an attitude from XXXX. The company is harassing me for having the misfortune of getting a new phone number that was presumably previously owned by a debtor. The calls are coming from spoofed phone numbers in violation of the Telephone Consumer Protection Act so I have to call back a different number that is mentioned in the voicemails. I would be glad to provide call logs if it would help the investigation.

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NC

Complaint narrative:
A few months ago I noticed that everytime I send a cash app. I was now being charged XXXX for each amount i sent. For example if i cash app my daughter XXXX cash app charges me XXXX. I didnt receive any communication in reference to the change. The receiver has always had to pay a fee to receive funds instantly but never the sender. There is no contact information and no one I can get a hold of to inquiry about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting ACT 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 Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcomes. These failures align with my experience, where Transunion 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 Transunion '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 2025-02-03 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: PA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On Friday XX/XX/year> I followed the link provided to me in an email solicitation from Bank of America XXXX for a " Zero Percent Interest Rate '' on Balance Transfers. It took me to the online portal where it indicated that promotion carried a 4 % fee to process the transaction fee if I opted for the transfer in the form of a cash advance direct deposit, up to my credit limit. I have a {$20000.00} credit limit and at the time had a XXXX dollar balance on my XXXX XXXX. On XX/XX/year> Bank of America XXXX  transferred the {$19000.00} I signed up for under this promotional offer to my bank account. On XX/XX/year> I received my billing my statement which displayed the " XXXX XXXX '' of 28.99 % on the funds that were just transferred along with a transaction fee of {$760.00}, and interest accumulated of {$32.00}. I called Bank of America XXXX and complained about the false promotional solicitation that they did not honor at XXXX percent on this cash advance, they told me it was only valid for balance transfers. So I returned the {$19000.00} and demanded that fee for {$760.00} and the interest be reversed. I did not agree to this transaction under these 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 monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Array US, Inc
State: IL

Complaint narrative:
I ask to close account the offer me a settlement paymentof 59 % off I paid half XXXX they said I had still XX/XX/XXXX to pay rest when I call to do on XX/XX/XXXX they told me my payment was not stated it was for offer. BUILD CREDIT CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Regarding my claim XXXX filed with capital one on XX/XX/year> : I sent in supporting documents immediately to show my transactions were paid by other means ( with a different card from another bank ) to the email provided by representative XXXX : XXXX XXXX ] The representative who assisted me also confirmed a credit would be applied to my account once documents are received ( with XXXX hour time frame ). 

This complaint is being submitted to confirm Capital One follows banking regulations and applies credit to my account within XXXX business days. I will also need this bank to reach out to me first if anything additional is needed, before closing out the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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 filing a complaint against cash app ( block inc. ) due to inadequate customer service and unfair practices. Which violate the consumer finucuql protection act. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the electronic fraud transfers act and regulation E. There acts 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 2025-02-03 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: TX

Complaint narrative:
I have learned that my credit report contains some incorrect information. I am requesting that the three bureaus remove this incorrect information. Such misinformation damages my credibility. If the three bureaus do not take action, I am prepared to file a case against them

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have learned that my credit report contains some incorrect information. I am requesting that the three bureaus remove this incorrect information. Such misinformation damages my credibility. If the three bureaus do not take action, I am prepared to file a case against them

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 2025-02-03 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation