vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: TN

Complaint narrative:
was denied credit by Afterpay twice on XX/XX/XXXX The initial reason given was " Historical Afterpay Account History. '' However, the adverse action notice cited " Information obtained from XXXX '' as the reason for denial. This discrepancy is concerning, especially since Afterpay 's website states they primarily use soft credit checks, which should not significantly impact my credit score. Obtaining a credit score requires a hard credit pull. As Afterpay did not obtain my consent or have a permissible purpose for a hard credit pull, I believe this action may be in violation of consumer protection laws. Afterpay has been unresponsive to my inquiries and unwilling to provide a clear explanation for the denials. I believe this lack of transparency and potentially misleading information may constitute a violation of consumer protection laws.

I also feel that they have mislead myself and every consumer into believing they do not utilize hard credit pulls. It clearly states on their website that only soft credit pull during initial sign up and for monthly payment requests will be utilized. They only way the information they said was used in my denial could be accessed is through a hard pull. I have been with Afterpay for years, how many hard pulls have they run? I have requested information multiple times and have been basically ignored. I want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MoneyLion Inc.
State: MD

Complaint narrative:
In XXXX I started to have problems with my XXXX XXXX  accounts. Several times I had to change my bank cards. Then I changed my checking account three times. XXXX XXXX  did investigate and always got my money back. In some way through online banking, my information was being compromised. I changed banks. I am at XXXX XXXX. While at XXXX XXXX someone was trying to use my XXXX XXXX XXXX XXXX to get into my bank account. I have a personal and car loan with this organization. I went to the credit union closed those accounts and opened others. When I set up my checking and savings with XXXX XXXX the young man said to stop online banking. The young man set up my banking on my phone where I use my fingerprint to get in and a backup eye scan. In XX/XX/XXXX I got an email from MoneyLion about a monthly credit-building loan of {$9.00} payment a month.. the loan amount is {$500.00}. I did not pay the email any attention... A few months later I was checking my credit with the three credit bureaus and it showed delinquencies. I always pay my bills. I put in a fraud complaint a few times with the bureaus. The bureaus keep telling me it is mine. I reached out to XXXX and asked for a copy of the application. On the application dated XX/XX/XXXX was an XXXX XXXX XXXX XXXX apartment address. I moved into my home in XXXX XXXX, Maryland XX/XX/XXXX and on the application is no signature, it has my name typed. I need help because I did not fill out a application for XXXX credit building.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
This is a demand for the immediate correction of inaccurate late payments reported by XXXX and TransUnion. As a consumer, I am fully entitled to accurate and timely reporting under the Fair Credit Reporting Act ( FCRA ). I am demanding that both of these agencies correct these inaccuracies immediately. XXXX has already corrected all of these accounts, and XXXX and TransUnion must do the same without delay. 

XXXX XXXX ( XX/XX/XXXX ) : This account is incorrectly reported as late. The payment was not late and must be updated to " current '' status immediately. 
XXXX XXXX ( XXXX XXXX ) : Payments were made under a payment plan. Under 15 U.S.C. 1666b, reporting these as late is unlawful. Even if there were no payment plan, this remains a violation of my rights. This must be corrected now. 
XXXX XXXX : XX/XX/XXXX : Payment was deferred due to a hurricane, not a late payment. Reporting this as late is a violation of consumer rights and must be corrected immediately. 
XX/XX/XXXX- XX/XX/XXXX : Payments were made on time. This error must be corrected without further delay. 
XXXX XXXX ( XXXX & XX/XX/XXXX ) : These months must be updated to " current '' status, as they were inaccurately reported. 
XXXX has been sued by the Consumer Financial Protection Bureau ( CFPB ) for mishandling consumer credit information, which is an indication of its failure to follow proper procedures. TransUnion is not immune from scrutiny either, and I will not tolerate its disregard for consumer protection laws. Additionally, the XXXX data breach has already caused significant damage to my credit. These reporting agencies must now correct their mistakes without further delay. 

Your agencies negligence in reporting late payments that never occurred is not just a mistakeit 's a violation of my consumer rights. I demand these corrections be made immediately, or I will pursue further legal action. Your failure to comply with the law and correct these inaccuracies will be reported to the CFPB and other relevant authorities. 

These errors have caused harm to my credit, and I insist they be fixed now. I will not allow these errors to continue. You are legally obligated to correct them and restore my credit status to its rightful standing.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My card with JPMCB ending with XXXX was closed by Chase in XXXX XXXX. There were no late fee nor carry over balance or ongoing subscriptions charges rolling over, when the account was closed. Then Chase stop email statement and switched to mail only which I didn't realize to check my mail. I didn't realize until my credit score from XXXX dropped by XXXX point. I try to contact Chase but they give me the run around nor the branch manage in XXXX XXXX can help with my situation. There new charge in XX/XX/year> since but my account was closed by Chase already. Chase doesn't have a dept or personnel to assist with my situation as the account is closed and fraud dept can help to file a claim. I am stuck with XXXX lowering my credit score after two attempt to explain my situation but come back decline. Please kindly assist to protect my credit score. Many thx

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
on two separate occasion s I have filed a dispute for the same {$400.00} charge to XXXX. This company is to provide two 4 night bookings to any resort they service. I have attempted to make these bookings and XXXX has failed to provide the services i paid for. I disputed with my credit card provider and they decline the dispute saying the merchant has provided proof. I have asked for this proof, because i have NOT stayed at any booking this merchant has provided. Each time Synchrony Bank has claimed they received proof but " can not see '' the proof provided. 

Synchrony Bank ( Venmo ) continues to side with a fraudulent merchant instead of their 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 monetary relief
Consumer complaint received 2025-01-10 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:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2025-01-10 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: GA

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2025-01-10 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: UT

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and TransUnion for their continued failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account. Despite my repeated requests for correction, including disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of federal consumer protection laws. 
Discrepancies and Errors Identified Late Payment Reporting Discrepancy : A 30-day late payment for XX/XX/XXXX is reported inconsistently across the credit bureaus. However, my payment history reflects timely payments before and after this date, and no substantiated evidence of a late payment has been provided by the credit bureaus or the creditor. 
Inconsistent Data Across Bureaus : The closed date for this account is inaccurately reported or omitted by certain credit bureaus.

Payment statuses and account descriptions are inconsistent, with one bureau indicating Account closed by consumer and another marking it as Closed or paid account/zero balance.

Violation of FCRA Standards : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer file information. This obligation has been disregarded, as evidenced by the unresolved errors in reporting.

Failure to Provide Notice as Mandated by TILA : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment for XX/XX/XXXX raises concerns about the creditor 's compliance with this requirement. 
Impact of Inaccurate Reporting The inaccurate reporting has significantly harmed my creditworthiness and caused undue stress. The lack of timely correction has further eroded my confidence in the accuracy and reliability of credit reporting practices. 
Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report with XXXX, XXXX, and TransUnion. 
Written confirmation from each credit bureau confirming the correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal proceedings and filing additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-10 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: CA

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

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 2025-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this dispute because my credit report has fraudulent ( charges, bank finance and, credit accounts, car loans, personal loans and abused derogatory accounts. I am requesting that these charges be removed of my credit report, that any other charges and inaccurate information related to the fraudulent accounts credited to my credit account and that I receive a corrected statement. 

Enclosed are copies of ( FTC Report Identity Affidavit, Police Report, Letter ) supporting my position. Please investigate this matter and correct the fraudulent information as soon as possible. 

In addition, pursuant to FACTA, as a victim of identity theft I am requesting that we get the items removed I reached out to a few and still have more to go I reached to a few accounts since the year XXXX and this is what i taken action now seeing al this on my credit some things where told to me by some companies it would be removed and it hasn't. 

XX/XX/XXXX {$570.00} XX/XX/XXXX {$660.00} XX/XX/XXXX {$390.00} {$110.00} XX/XX/XXXX {$22000.00} {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I purchased a prepaid card on XX/XX/XXXX. Card did not work for any purchases. Incomm admits card was funded properly but they " locked the card for my protection ''.

I called Incomm on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent requested documents via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I have been repeatedly told to " resend '' documents and/or " wait XXXX hours ''. 

Incomm has taken no action. They are fraudulently withholding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MA

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXX ] Complaint # XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.

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 2025-01-10 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: OH

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent I've sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point.

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2025-01-10 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: FL

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 non-monetary relief
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
I have no knowledge of these inquiries, and they seem unauthorized and potentially fraudulent. Kindly take swift action to address this matter. Relevant documents are attached for reference.

Company response to consumer: Closed with explanation