vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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 EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  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! 


Update 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 2025-03-26 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 EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  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! 


Update 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 2025-03-26 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1700.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} XXXX INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
I contacted pacific retrieval at phone number XXXX where I explain the situation where I am no longer the owner of the vehicle, therefore no longer responsible and that the debt is not mine. I was met with hostility and threats where the agent on the phone stated that they would be pursuing me in a court of law and that I had now had five days time to correct this, and that they would be contacting the other party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an interest free business credit card for one year with Truist ending in XXXX. I placed XXXX charges on the card. They emailed me to remind me a payment was due. I logged onto their site to make the payment and paid on time. 

When I logged on the account the following month, it showed that no payment was due at that time. However, two days later I get a call from customer service saying I was late on my payment. I was concerned because I hadn't received an email from them ( I've gone paperless ) indicating a payment was due. When I logged on again, it shows a late payment of {$35.00} and because I was late, they are now removing my one year introductory interest free option and charging me for the interest as of day one of my usage. 

This month I logged on again and realized the problem. They show another card ending in XXXX with the exact same charges that the XXXX account shows ( which still shows no payment is due ). The problem is, I never had a credit card ending in XXXX. So I reached out to customer service and asked to speak with a supervisor. When I explained the situation, they became confused and asked me to hold. After a 10 minute hold I was told they reached out to another supervisor who explained that the XXXX account encompasses all of the other accounts ... ..I said on their website, it literally shows XXXX accounts, XXXX ending in XXXX and XXXX ending in XXXX, both with the exact same charges but only a payment being due on XXXX, which is a credit card I never received. The customer person got very quiet and admitted he was confused but that they would not change it and they would not re-instate my interest only offer for one year.

This is the ONLY credit card I have that shows another non-existent credit card on their website and uses it to cheat customers out of their introductory offers. This is clearly a scam that Truist is using to defraud the public.

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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
during XXXX there have been made a ballance transfer from a credit card to Wells Fargo in sum of {$3000.00} with the following adversized features : XXXX month credit - no interest computed on this credit My Understanding was that for 14 month I could pay {$0.00} and pay ballance in month XXXX I actually decided to pay a monthly $ XXXX In XXXX I needed to use the overdraft that during XX/XX/XXXX and XX/XX/XXXX in XXXX accrued to {$630.00} of which the transaction on the XX/XX/XXXX was payed the next days on XX/XX/XXXX Wells Fargo , was putting the XXXX credits in the same bucket as a credit, although one was interest free and the other one was not. 

In this way, the payment I made on XX/XX/XXXX ONLINE TRANSFER REF # XXXX TO XXXXXXXX XXXX XXXX XXXX ON XX/XX/XXXX {$550.00} and the XXXX XX/XX/XXXX ONLINE TRANSFER REF # XXXX TOXXXX XXXX XXXX OVERDRAFT CREDIT {$50.00} were covering the total of the overdraft Having all credits in a bucket, Wells Fargo considered all this money as part of the Ballance transfer and not for Overdraft. This way, after 3 month from that time, I still have a ballance of cash advanced of {$52.00}

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 2025-03-26 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX Balance- {$5000.00}, XXXX XXXX Balance {$3000.00}, XXXX XXXX- Balance {$5900.00}, XXXX- Balance {$370.00} XXXX XXXXBalance {$970.00}, XXXX  XXXX Balance {$760.00}, XXXX-Balance {$610.00}, XXXX XXXX XXXX-Balance {$33000.00}, XXXX XXXX-Balance {$5100.00}, XXXX-Balance {$500.00}, XXXX XXXX-Balance {$260.00}, XXXX XXXX- Balance {$13.00}, XXXX- Balance {$2700.00}, XXXX XXXX- Balance {$3900.00}, XXXX XXXXBalance {$850.00}, XXXX XXXXBalance {$1100.00}, XXXX XXXXBalance {$760.00}, XXXX XXXX XXXX-Balance {$1600.00}, XXXX-Balance {$5100.00}

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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Complaint Regarding Unfulfilled Orders and Denied Refund XXXX and CashApp To Whom It May Concern, I am submitting this formal complaint regarding the failure of XXXX to issue a refund for undelivered orders and CashApps refusal to provide assistance through a dispute process. Despite my numerous attempts to resolve this matter over the past XXXX years, I have yet to receive the refunds I am owed. 

The following are the details of the orders in question : Order # XXXX {$110.00} Order # XXXX {$41.00} Order # XXXX {$18.00} Total Amount Owed : {$170.00} After realizing my orders were not delivered, I contacted XXXX multiple times and provided all requested information, including photographic evidence. Despite my compliance, XXXX refused to issue my refund. I then attempted to dispute the transactions through CashApp, but they declined my claim without providing a valid explanation. 

Additionally, I sought assistance through the XXXX XXXX XXXX XXXX XXXX XXXX, but this also resulted in no resolution. I have exhausted all reasonable means to resolve this issue, yet neither XXXX nor CashApp has taken responsibility. 

I am requesting the Consumer Financial Protection Bureau to investigate this matter and assist in securing my rightful refund. I have attached all relevant documentation, including my order confirmations, communications with both companies, and the denial of my dispute. 

Thank you for your attention to this matter. I trust that you will take appropriate action to ensure fair treatment and protect consumer rights. Please let me know if further information is needed. 
Proof of the non-delivered package is the difference of where both packages was left at, the XXXX package was left in front of my door and the shein package I do not know where it was delivered too and I keep telling everybody this and no one wants to give me my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX. Ihave not supplied proof under the doctrine of estoppel by silence, Engelhardt v.

Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX  XX/XX/2024 Delete these items immediately.

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 2025-03-26 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: WI

Complaint narrative:
I disputed this XXXX XXXX XXXX loan due to my information being exposed in a data breach and Experian ; along with the other credit bureaus have re inserted this account into my report without the 5 day notice that they are supposed to give me. 

XXXX XXXX XXXX XXXX- Opened XX/XX/XXXX. It was reinserted between XXXX XXXX XXXX XXXXXXXX Pursuant to 15 USC 1681i ( a ) ( 5 ) ( b ) - Re investigation of disputed information If a credit bureau reinserts a previously deleted item on your credit report, it must notify you within 5 business days of doing so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I disputed this XXXX XXXX XXXX loan due to my information being exposed in a data breach and Experian ; along with the other credit bureaus have re inserted this account into my report without the 5 day notice that they are supposed to give me. 

XXXX XXXX XXXX XXXX- Opened XX/XX/XXXX. It was reinserted between XXXX XXXX XXXX XXXXXXXX Pursuant to 15 USC 1681i ( a ) ( 5 ) ( b ) - Re investigation of disputed information If a credit bureau reinserts a previously deleted item on your credit report, it must notify you within 5 business days of doing so

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 2025-03-26 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a call at noon saying it was from Citibank and asking if I had made purchases with my card in the state of XXXX. I said no because I live in XXXX XXXX. Then the person who said it was from the bank said that I would have to change my card. Then the person asked me my mother 's name and the name of the school I attended. I think these were the names I entered when I opened the bank account. Then the person asked me for a code that he sent in my voicemail and then said that the new card would arrive at my house in XXXX days. On the XXXX at XXXX I got home from work, accessed my account through the app and saw that a transaction of {$9200.00} had been made to the name of XXXX XXXX XXXX I went to the bank in the morning and someone from the bank helped me make the report, 10 days later I called the bank to find out about the situation and they told me that the case was closed because I provided my bank details, can you help me?

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 2025-03-26 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: WA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-26 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:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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