vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the CFPB complaint filed XXXX, I requested the details of all charges/purchases that was allegedly made on account that be provided in detail.

I requested that each transaction be identified with the merchant/company that processed payment along with each purchased amount total and dates of each transaction.

The response that I received from Equifax Is a clear indication of negligence to properly review the complaint and provide the specific information required.

Equifax responded that the account has been confirmed that it belongs to me, when that wasnt my request for information. I know the account belongs to me. I need to confirm that the information being provided is legit by going into the detailed statements made by XXXX XXXX about their being up paid charges to the account.

They never provided me the details of these charges and the total amount for each charge before the account was closed on XX/XX/year>. 

AGAIN IM ASKING FOR THE CHANGE DETAILS OF THE ACCOUNT. WITH EACH TRANSACTION TOTAL AND COMPANY NAMES WITH DATES OF EACH PURCHASE MADE If this information cant be provided, that means the fees are at question to not be valid IM NOT REQUESTING VALIDATION IF THE ACCOUNT BELONGS TO ME!!!!!!

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

Complaint narrative:
I am filing a formal complaint regarding the violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ) Experian. Specifically, my non-public personal information ( NPI ) was improperly disclosed to non-affiliated third parties such as credit bureaus and third-party debt collectors without my knowledge, consent, or an opportunity to opt out. This disclosure occurred before I was fully informed, as required by the GLBA, and resulted in damage to my credit report and personal financial standing.

Specific Violations : 1. Violation of 15 U.S.C. 6801 - Privacy of Consumer Financial Information My non-public personal information was disclosed to non-affiliated third parties, such as credit bureaus and debt collectors, without my explicit consent or knowledge. This constitutes a failure to safeguard my privacy and sensitive financial data, violating the GLBAs privacy protections.

2. Violation of 15 U.S.C. 6802 - Restrictions on Disclosures of Nonpublic Personal Information My sensitive data was shared with non-affiliated third parties ( credit bureaus and third-party debt collectors ) without providing me with proper notice or an opportunity to opt out of such disclosure, as mandated by the GLBA. I was not afforded the protections required under this section.

3. Violation of 15 U.S.C. 6803 - Opt-out Notice I was not provided with the required opt-out notice to prevent the disclosure of my non-public personal information to third parties, as required by law. This failure deprived me of my rights under the GLBA to control the sharing of my financial information.

4. Violation of 15 U.S.C. 6804 - Regulations and Enforcement The company has failed to comply with regulatory safeguards regarding my personal financial information. The unauthorized disclosures have caused a direct and ongoing harm to my financial standing and credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a formal complaint regarding the violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ) Experian. Specifically, my non-public personal information ( NPI ) was improperly disclosed to non-affiliated third parties such as credit bureaus and third-party debt collectors without my knowledge, consent, or an opportunity to opt out. This disclosure occurred before I was fully informed, as required by the GLBA, and resulted in damage to my credit report and personal financial standing.

Specific Violations : 1. Violation of 15 U.S.C. 6801 - Privacy of Consumer Financial Information My non-public personal information was disclosed to non-affiliated third parties, such as credit bureaus and debt collectors, without my explicit consent or knowledge. This constitutes a failure to safeguard my privacy and sensitive financial data, violating the GLBAs privacy protections.

2. Violation of 15 U.S.C. 6802 - Restrictions on Disclosures of Nonpublic Personal Information My sensitive data was shared with non-affiliated third parties ( credit bureaus and third-party debt collectors ) without providing me with proper notice or an opportunity to opt out of such disclosure, as mandated by the GLBA. I was not afforded the protections required under this section.

3. Violation of 15 U.S.C. 6803 - Opt-out Notice I was not provided with the required opt-out notice to prevent the disclosure of my non-public personal information to third parties, as required by law. This failure deprived me of my rights under the GLBA to control the sharing of my financial information.

4. Violation of 15 U.S.C. 6804 - Regulations and Enforcement The company has failed to comply with regulatory safeguards regarding my personal financial information. The unauthorized disclosures have caused a direct and ongoing harm to my financial standing and credit report.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
I completed a settlement agreement with the company and was to make three payments, which I completed. The information on my credit report is not correct and it still looks like I owe a balance. They told me that once the payments were made the account balance would be updated. I requested that they update it and they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sterling Credit Corp.
State: IN

Complaint narrative:
NEVER had/ have any dealings with this company. 
I don't owe them anything!

Company response to consumer: Untimely response
Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
incorrect information reporting on my credit report please review and correct

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 2025-01-31 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: SC

Complaint narrative:
incorrect information reporting on my credit report please review and correct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-31 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: CA

Complaint narrative:
My personal information was compromised in the past and someone used my social security number without my consent to open up unauthorized accounts. My life was seriously impacted because my credit report suffered severely because someone stole my identity. These accounts and inquiries are unauthorized and opened without my consent. I need them removed immediately and you have 4 days to block and remove these accounts upon receipt of this complaint based on the fair credit reporting act.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint against Cash App ( operated by Block , Inc. ) due to their failure to properly investigate and resolve a fraudulent duplicate charge on my account. Cash App has engaged in unfair and deceptive practices by wrongfully denying my dispute without justification. 

Details of the Issue : On, XX/XX/year> I made a legitimate purchase using XXXX XXXX. 
However, in the early hours of XX/XX/year> at XXXX XXXX, my card was charged again for the exact same amount, even though I was asleep at the time and did not authorize or initiate another transaction. 

This duplicate charge put my account in the negative, which is highly unusual. Typically, transactions are declined when I do not have enough funds, but this specific charge was processed anyway, making it even more suspicious. 

I immediately filed a dispute, yet Cash App denied it, falsely claiming that no error occurred. 

Unfair Handling of My Dispute : Cash App did not provide any justification or proof as to why they believe the charge was valid. 
They failed to recognize that a duplicate charge is a clear billing error, as defined under consumer protection laws. 
They dismissed my dispute without any real investigation or opportunity to provide additional evidence. 

Pattern of Unfair Practices : This is not the first time Cash App has mishandled a dispute. Their pattern of denying legitimate claims without proper review raises concerns about their compliance with federal regulations.

What I Am Requesting : A full refund of the unauthorized duplicate charge.

An explanation of how Cash App determined that no error occurred despite clear evidence to the contrary.

CFPB oversight into Cash Apps dispute resolution process, as they are repeatedly failing to protect consumers from fraudulent and duplicate charges. 
Cash Apps failure to investigate this issue properly, combined with their refusal to provide evidence for their decision, is a violation of consumer rights. I urge the CFPB to hold them accountable and ensure that they provide fair dispute resolution procedures. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My account 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My account 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( 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 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 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-01 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: TX

Complaint narrative:
In accurate reporting not me FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 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 2025-01-31 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: SC

Complaint narrative:
Cashapp they close my account for no reason and they don't give you a person to talk to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-02 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently disputed incorrect information on my credit report through Experian and was assured that the erroneous entries would be removed by XX/XX/2025. However, upon reviewing my credit report, I noticed the disputed information remains unchanged. This discrepancy not only raises concerns regarding the accuracy of my credit information but also potentially impact my financial standing. It is crucial for credit reporting agencies to uphold their commitment to maintaining accurate and fair credit reports, as these documents play a significant role in individuals ' financial health and opportunities. 

Additionally, I have observed that several closed accounts are still being displayed on my credit report, which contributes to an incomplete picture of my credit history. Having outdated or irrelevant information can adversely affect my XXXX XXXX and hinder my ability to secure favorable loan terms in the future. I urge Experian to promptly address these issues and ensure that my credit report reflects only accurate and relevant data, as this is essential for fostering trust between consumers and credit reporting agencies.

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