vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Landmark Financial - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Are Reporting Late Payments with the credit bureaus and 15 U.S. Code 1666b is a law that governs the timing of payments for open-end consumer credit plans. It requires creditors to send statements to consumers and to ensure that payments are not late.

Requirements Statements Creditors must send a statement to consumers at the end of each billing cycle. The statement must include the outstanding balance and the amount and date of any extensions. 
Delivery Creditors must mail or deliver the statement at least 21 days before the payment due date. 
Late payments Creditors can not treat a payment as late unless they have taken reasonable steps to ensure the statement was delivered on time. 
Excusable causes If a creditor is unable to deliver the statement on time due to an excusable cause, such as a natural disaster or war, then the late payment rule does not apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Online banking payment of charges on XXXX credit card was sent with a " pay by '' date of XX/XX/XXXX. XXXX claimed payment was not processed until after due date of XX/XX/XXXX, which resulted in a late fee. I spoke with XXXX representative in early XXXX not realizing there was a problem until I received a phone call. The rep also told me I was enrolled in paperless billing, which I did not do ( I NEVER enroll in paperless billing because I want to see the charges on paper ). I instructed rep to change that enrollment to paper bill. That has not been done. During this conversation I told the rep I would pay the current balance ( {$270.00} ) before the due date and then would close my account due to these problems. A check for the full balance amount was issued by my bank on XX/XX/XXXX ( I received a secure message from my bank ) for a due date of XX/XX/XXXX. As of XX/XX/XXXX, payment has not been credited to my account, and request to speak to a supervisor has not been answered. The payment due date is XX/XX/XXXX. I suspect that the payment will not be processed by that date since it hasn't been processed yet, thereby resulting in another late fee which will negatively impact my credit rating ( which is very high ). I pay all my bills in full by or before the due date each month, and have never had a problem with my bank issuing either electronic payment or checks. I value my high credit rating.

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 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My XXXX XXXX  XXXX XXXX moved out in XX/XX/XXXX, she took my personal information without me knowing and opened several credit cards in my name and overcharged them. One credit card was opened with XXXXXXXX XXXX another one was with XXXX XXXX. XXXX XXXX was opened in late XX/XX/XXXX or early XXXX of XXXX and XXXXXXXX XXXX  was opened in late XXXX of XXXX. Both times the account was activated through the Internet without my knowledge or consent. XXXX XXXX bill is {$2000.00} and XXXX XXXX bill is {$1300.00}. I know she did it because she was the only person close enough to me to get access to my personal information since we lived together for a time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi I was the victim of a identity theft case. I actually got all of my information stolen. Now that I am finally able to check my report.. I see how the credit bureaus are reporting false information to my report causing me to not get approved for a Mortgage, auto, or personal loans. 

Experian is reporting all this FALSE information and affecting my score severely XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$0.00} XXXX XXXX XXXX Account XXXX or Organization : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$22000.00} XXXX FUNDING {$88.00}

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 explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I have been waiting on a check for becuase I have a negative balance since XX/XX/year> I am not receiving the checks they say that are reissues Please mail me the check with a tracking number The amount is XXXX It is my kohls card issued by capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I reported inaccurate XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-28 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: HI

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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 ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: HI

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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 ( XXXX XXXX XXXX XXXXXXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
Dear Sir/Madam : I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of XXXX XXXX of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove and block the following information from my credit report pursuant to XXXX XXXXXXXX of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} *** KINDLY DELETE AND BLOCK ALL NONACCOUNTHOLDINGINQUIRIES XXXX DID NOT AUTHORIZE THEM ***

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the XXXX  they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 

According to the XXXX this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of the XXXX to the address above or via email. 

Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is XXXX XXXX XXXXXXXX XXXX XXXX XXXX as you are clearly reporting information that is NOT XXXX % accurate. Should you continue to report this information, this leads to you violating XXXX XXXX XXXX, because you now have reasonable cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.

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 2025-01-28 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: GA

Complaint narrative:
I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the XXXX  they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 

According to the XXXX, this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of the XXXX to the address above or via email. 

Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is XXXX XXXX XXXXXXXX XXXX XXXX XXXX as you are clearly reporting information that is NOT XXXX  % accurate. Should you continue to report this information, this leads to you violating XXXX XXXX XXXX, because you now have reasonable cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to follow up on an ongoing issue regarding the reporting of my payment history to the credit XXXX, XXXX and TransUnion credit bureau. For over one year, despite consistently paying my bills on time, my payment history has not been accurately reflected in my credit reports or my XXXX XXXX This discrepancy has negatively impacted my financial standing. 

I have previously submitted a complaint through the CFPB, which resulted in a temporary improvement to my XXXX XXXX XXXX score However, the underlying issue remains unresolved as my timely payments continue to go unreported.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to follow up on an ongoing issue regarding the reporting of my payment history to the credit XXXX, Equifax and XXXX credit bureau. For over one year, despite consistently paying my bills on time, my payment history has not been accurately reflected in my credit reports or my XXXX XXXX. This discrepancy has negatively impacted my financial standing. 

I have previously submitted a complaint through the CFPB, which resulted in a temporary improvement to my XXXX XXXX XXXX score However, the underlying issue remains unresolved as my timely payments continue to go unreported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( 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 proce 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
providing inaccurate information and is indirect violation of consumer law CFPB has sued your company for failure to properly investigate and I demand this account be removed immediately today

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 2025-01-28 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. Furthermore, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a person shall not furnish information if XXXX XXXX XXXX the person has been notified by the consumer that specific information is inaccurate, and XXXX XXXX XXXX the information is, in fact, inaccurate.

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