vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I submitted multiple complaint through the CFPB and through the mail, in order for the company to remove information negatively affecting my credit report and my ability to provide fore my basic needs, like affording housing or food, transportation and clothing. Aside from Actual damages and pain and suffering, these companies owe me {$1000.00} per violation according to the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance ; Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or

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 2025-01-23 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 withXX/XX/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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On XX/XX/XXXX I paid off my Chase credit card balance of {$12000.00} in full. The payment posted on XX/XX/XXXX and my Chase account showed a XXXX balance. 

I received a letter on XX/XX/XXXX stating that my account was past due and I now owed a minimum payment of {$230.00}. I called Chase and spoke to a representative, and then his supervisor, who both informed me that I was being charged interest on the previous balance and that it hadn't been calculated until after the payment due date of XX/XX/XXXX. They're also charging me late fees and will continue charging me late fees if I don't pay the amount they say I still owe. 

When I make a payment online, in full, and show a XXXX balance, how can they get away with sending me a bill for more money after the fact? I paid the credit card in full to get out from under this debt, and I still owe them after it showed a XXXX balance?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
My information has been exposed in a data breach. These accounts listed do not belong to me XXXX XXXX XXXX Acct # XXXX, BAL- {$14000.00}, Date opened : XX/XX/XXXX XX/XX/XXXX-Acct XXXX XXXX XXXX Bal- {$250.00}, Date opened : XX/XX/XXXX XX/XX/XXXXAcct # XXXX, Bal- {$94.00} XXXX Date opened : XX/XX/XXXXXX/XX/XXXX- Acct # XXXX, Bal- {$3900.00}, Date opened XXXX XX/XX/XXXX XX/XX/XXXX Acct # XXXX, Bal- {$6300.00}, Date opened : XX/XX/XXXX Dept of EducationXX/XX/XXXX- Acct # XXXX, Bal- {$4600.00}, Date opened : XX/XX/XXXX Dept of EducationXX/XX/XXXX- Acct XXXX XXXX XXXX XXXX {$4300.00}, Date opened : XXXX XXXX Dept of EducationXX/XX/XXXX-Acct # XXXX, Bal- {$2000.00}, XXXX XXXX XXXX XXXX XXXX, XXXX Dept of EducationXX/XX/XXXX- Acct # XXXX, Bal- {$1100.00}, Date opened XXXX XX/XX/XXXX Dept of Education/XX/XX/XXXX Acct # XXXX, Bal- {$6300.00}, Date opened : XX/XX/XXXX Dept of EducationXXXX Acct # XXXX, Bal- {$3600.00}, Date opened : XX/XX/XXXX Dept of Education/XX/XX/XXXX-Acct XXXX XXXX XXXX XXXX {$3600.00}, Date opened : XXXX XXXX Dept of EducationXX/XX/XXXXAcct # XXXX, Bal- {$6800.00}, XXXX XXXX XXXX XX/XX/XXXX Dept of Education/XX/XX/XXXX Acct # XXXX, Bal- {$3400.00}, Date opened : XX/XX/XXXX XXXX XXXX EducationXX/XX/XXXX- Acct # XXXX, Bal- {$3600.00}, Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$820.00}, Date opened : XX/XX/XXXX Dept of Education/XX/XX/XXXX-Acct # XXXX XXXX XXXX {$960.00}, Date opened : XX/XX/XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-01-23 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:
My information has been exposed in a data breach. These accounts listed do not belong to me XXXX XXXX XXXX Acct # XXXX, BAL- {$14000.00}, Date opened : XX/XX/XXXX XX/XX/XXXX-Acct XXXX XXXX XXXX Bal- {$250.00}, Date opened : XX/XX/XXXX XX/XX/XXXX-Acct # XXXX, Bal- {$94.00} XXXX Date opened : XX/XX/XXXX XX/XX/XXXX- Acct # XXXX, Bal- {$3900.00}, Date opened XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX- Acct # XXXX, Bal- {$6300.00}, Date opened : XX/XX/XXXX Dept of Education/XX/XX/XXXXt- Acct # XXXX, Bal- {$4600.00}, Date opened : XX/XX/XXXX Dept of EducationXX/XX/XXXXt- Acct XXXX XXXX XXXX XXXX {$4300.00}, Date opened : XXXX XXXX Dept of EducationXX/XX/XXXX-Acct # XXXX, Bal- {$2000.00}, XXXX XXXX XXXX XXXX XXXX, XXXX Dept of EducationXX/XX/XXXX Acct # XXXX, Bal- {$1100.00}, Date opened XXXX XX/XX/XXXX Dept of Education/XX/XX/XXXX- Acct # XXXX, Bal- {$6300.00}, Date opened : XX/XX/XXXX Dept of EducationXXXX Acct # XXXX, Bal- {$3600.00}, Date opened : XX/XX/XXXX Dept of Education/XX/XX/XXXXAcct XXXX XXXX XXXX XXXX {$3600.00}, Date opened : XXXX XXXX Dept of EducatioXX/XX/XXXX-Acct # XXXX, Bal- {$6800.00}, XXXX XXXX XXXX XX/XX/XXXX Dept of Education/XX/XX/XXXX- Acct # XXXX, Bal- {$3400.00}, Date opened : XX/XX/XXXX XXXX XXXX Education/Nelnet- Acct # XXXX, Bal- {$3600.00}, Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$820.00}, Date opened : XX/XX/XXXX Dept of Education/XX/XX/XXXXt-Acct # XXXX XXXX XXXX {$960.00}, Date opened : XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: PA

Complaint narrative:
My account with XXXX XXXXXX/XX/XXXXwas never late! I have had exceptional payment history witHXX/XX/XXXXXXXX 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 in to be removed.

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. 

XXXX XXXXXX/XX/XXXXnever 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!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: PA

Complaint narrative:
My account with XXXX XXXX XX/XX/XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX 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 in to be removed.

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. 

XXXX XXXX XX/XX/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!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

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. s 5536 ( a ) ( 1 ) ( A ) - ( B ), 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 Experian complies with federal law and provides consumers with the necessary proof of investigation. Hard Inquiries : XXXX XXXX XX/XX/scrub>/2024. Accounts : XXXX XXXX XXXX, XXXX XXXX, XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Ive been complaining for years to the bureaus and the creditor this wasnt my account and how its hurting me and my ability to obtain credit to better my livelihood! I asked for proof copies of signatures that I signed and nothing!

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: MS

Complaint narrative:
Ive been complaining for years to the bureaus and the creditor this wasnt my account and how its hurting me and my ability to obtain credit to better my livelihood! I asked for proof copies of signatures that I signed and nothing!

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: MS

Complaint narrative:
Ive been complaining for years to the bureaus and the creditor this wasnt my account and how its hurting me and my ability to obtain credit to better my livelihood! I asked for proof copies of signatures that I signed and nothing!

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 2025-01-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 disputed information outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
( 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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Transworld Systems for reporting a collection account on my credit report that I do not recognize. Despite my request for validation of this debt, Transworld Systems has not provided any documentation to prove its validity, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue I discovered an unknown collection account from Transworld Systems on my credit report on XX/XX/year> XXXX, I sent a written request to Transworld Systems asking them to validate the debt by providing proof that the debt is valid and that I am the rightful debtor. 
Transworld Systems has not responded to my request, yet the collection account remains on my credit report, negatively affecting my credit score. 
Violations FDCPA Section XXXX ( b ) : Debt collectors must validate a debt upon request and cease collection efforts until validation is provided. 
FCRA Section 623 ( a ) : Credit furnishers must ensure the accuracy of reported information and investigate disputes promptly. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I am writing to express my concerns regarding Zelles 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 recovering lost funds was impossible and that tracking these transactions was unfeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-01-23 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: TX

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 XXXX 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 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. 
These accounts are what I'm referring to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXXXXXX XXXX 
These are the adresses I am referring to 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cashapp keep recharging old charges to take money out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: SC

Complaint narrative:
am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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, Equifax '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 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 explanation