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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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


XXXX XXXX TRANSUNION 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 non-monetary relief
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX EXPERIAN XXXX 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my finacial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im reaching out because there seems to be an issue with my personal information in your system, and its becoming a real concern. Its frustrating knowing that outdated or incorrect details might be affecting my credit report. 

REMOVE PLEASE OLD ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
School has been closed and shutdown. Credits obtained with loan no longer recognized by companies or agencies & unable to complete. Credits not transferable but amount is still being charged for attendance

Company response to consumer: Untimely response
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
I was taken for over XXXX out of my account and was told I had something to do with it but I has called customer service and they went into my account and taken my money and the customer service hung up the phone when I asked them why my account was taken the money out of my account they hung up the phone. I called back and they never answer my calls for a while I called my bank that was attached and they couldn't help me they told me I had to call cash app. When I tried calling they said I owe the money. And it's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX a process server hired by XXXX XXXX XXXX arrived at my home to serve legal documents related to a debt collection lawsuit filed by XXXX XXXX for the amount of {$2900.00}. I was not home at the time, but my wife answered the door. 

During the interaction, the process server : 1. Refused to provide the documents to my wife despite her request, as I was unavailable. 
2. Did not explain why he would not hand over the documents.

3. Remained outside the door for a moment, called my wife an " XXXX '' loudly, and then threw the documents toward the front door before leaving. 

This behavior was unprofessional, unnecessary, and disrespectful. The incident was captured on my homes XXXX XXXX, and I have saved the recording. I am have provided the video evidence below under the file attachment section. 

The actions of the process server reflect poorly on XXXX XXXX XXXX and their commitment to professional standards. I have reported this incident to the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX I am requesting corrective action, including an internal investigation into the process servers behavior, assurances that such incidents will not occur in the future, and a formal apology.

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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am filing this complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Global Lending Services LLC
State: TX

Complaint narrative:
On XX/XX/XXXX i received a letter from an auto finance company Global Lending Services. They informed me that they were unable to approve my auto loan application because of my credit score. Based on my credit score from XXXX credit. I never tried to buy a auto in XXXX XXXX and do not know how Global Lending Services got my confidential information and requested a credit report for a car i never tried to purchase. This company stole my identity and tired to use it to buy a car in my name. I have filed a local police report and filed a complaint with the FTC and state and local authorities for Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX me and my cousin went to a chase branch so she could deposit her tax refund check into my account because she didnt have a bank account to deposit it into, The teller in the chase bank helped her endorse the check over to my name accepted the check told us itll be a 7 business day hold before the funds would clear, the day the funds would clear in the account which would be XX/XX/XXXX Ive got a letter in the mail telling me my account was restricted and could be closed within 10 business dayd and to contact them chase for further information, I called they told me my account would be restricted and the funds from the check were be suspended into I could verify the third party which was my cousin by providing them with her phone number and they would call her to verify if she actually signed it over to me which confused us because we did everything at the branch showing our identity and everything, anyway once I provided her phone number they told me they couldnt call it to verify because it wasnt under the number wasnt under the same name as the check which was understandable a day after on XX/XX/XXXX they closed my account randomly my cousin ended up getting her number registered under her name took about two weeks of back and forth calling eventually on XX/XX/XXXX i gave chase another call and they were able to call and verify the third party check the Chase rep told me that it would take about 7 business days before the check would reach me and to call back on the XXXX if I havent received it XXXX passed I still didnt get it I called and they told me they are waiting for the us treasury to email them back before they could mail the check out and now on the XXXX of XXXX I am still waiting on the check to be mailed out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: FL

Complaint narrative:
The company has not sent a validation letter. tried disputing it several times and it keeps getting denied I asked for a payment history the amount of the debt. I requested a validation letter, the days of the original amount and name of of the original contract, legal proof that they have the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Receive notification that was account was locked today. Reached out and spoke to 5 different representative who is not able to give me information and said I should be able to transfer funds which I keep telling them Im not able to. They told me they will file a complaint and someone will be in touch in 2wks. I informed them this is my savings account and I need access for my bills. Still not able to transfer or get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am writing to formally report complaint for a medical debt of {$2200.00} that has been falsely reported on my credit report by I C System. This debt was allegedly sold to a third party in XXXX and does not belong to me. 

I have verified my records and found no evidence to support this claim, nor have I received any prior notice, billing, or validation of this debt. I believe this reporting is erroneous and violates the Fair Credit Reporting Act ( FCRA ). 

Specifically, the issue lies in : Lack of Validation : I was not provided adequate verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 
Erroneous Reporting : The medical bill does not correspond to any services I have received or authorized.

Improper Sale of Debt : If this debt was indeed sold to a third party in XXXX, I was not notified of the transfer, and no valid documentation was provided to substantiate its legitimacy.

This false reporting has caused undue harm to my creditworthiness and financial stability. As per FCRA 611 ( a ), I am requesting an immediate investigation into this matter.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, I have filed multiple disputes against a recent fraudulent debt collection placed on my credit report by XXXX XXXX XXXX on behalf of a XXXX property. 

In my dispute, I provided a detailed attestation of truth as well as proof of payment of the amount XXXX XXXX XXXX is saying I owe on behalf of XXXX. In the attestation, I exposed that XXXX XXXX XXXX is using a false financial statement from XXXX that indicates that I made payment but was also manipulated to make it seem as though I still owe a debt. Experian is allowing XXXX XXXX XXXX to keep this false debt on my credit report stating the company has certified that I owe the debt. If all a debt collection company has to do is fraudulently and deceptively manipulate a financial statement and a consumers XXXX XXXX is put in jeopardy due to those practices, consumers rights are in great danger in XXXX hands. I have a hard time believing that a real person reviewed my documents. I am requesting for Experian to demand more information from a debt collection agency before placing a debt collection on a consumers report. A basic XXXX document that can be easily manipulated should not outweigh my bank statements. My bank statements and email from the property management acknowledging that my application was not processed correctly due to system error is more than enough proof to have the collection removed.

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: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
Mohela continues to report to all three credit companies that I have a balance of upwards of {$110000.00}. My loans were forgiven through the public service forgiveness program. I disputed with Mohela and all three credit companies and mohela continues to report the balance. This is a problem because I am trying to buy a house and this huge debt on my report is not accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation