vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to use my Best Buy credit card online. The card was declined on XX/XX/XXXX and XX/XX/XXXX. The following day, I contacted the customer service department from the number on the back of the card. I was connected to the first rep XXXX, who informed me that the card was closed due to inactivity. This is far from true. The last purchase transaction was XX/XX/XXXX and the last payment on the account was XX/XX/XXXX. The card had been used within the last 12 months. I requested to speak to a manager for clarification. I spoke with XXXX who informed me that the first representative informed me incorrectly and that I had been sent a letter in the mail to my XXXX XXXX XXXX I have advised the manager that I have never received and email from Best Buy or CitiBank. She asked me if I looked in my Messages on the account, which I informed her that I did, and in fact there was not letter there. She advised me that she would put a letter in the messaged within 24-48 hours and that I would need to reapply for the card, start a new history and this would be a hard inquiry on my credit profile. I am sending this complaint to inform CFPB that Best Buy closed my account without notification by mail, email or online and only after I lodged a complaint the letter would be provided. This account has been opened since XXXX and the manager is telling me that they can not reinstate the card. I am requesting your help in resolving 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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
Nature of complaint : Unauthorized hold of funds/Failure to return cancelled transaction Company : Square, Inc. ( Cash App ) Product : Mobile or digital wallet Description of issue : On XX/XX/XXXX, I initiated but immediately cancelled a {$500.00} transaction through CashApp when I discovered the intended recipient did not have an account. 

Prior to the cancellation, CashApp withdrew the funds from my account. Despite my repeated communication with them over the past 6 weeks, CashApp has failed to return my funds for over six weeks. Their customer service has repeatedly promised resolution/refund within " 1-4 business days, '' but no action has been taken. I have made multiple attempts to resolve this through their support channels without success. My bank has definitive, written proof via 2 investigations and my current bank account that the money was withdrawn from the account and never returned.

Resolution attempts : 1. Multiple contacts with CashApp support through the app 2. Social media outreach via XXXX and XXXX XXXX. Direct email attempts to customer service and executive team This seems to be an appropriate next step in terms of recourse. Desired resolution : 1. Immediate return of my {$500.00} 2. Compensation for time, resources, and fallout spent attempting t
o resolve this issue 3. Investigation into CashApp 's practice of holding cancelled transaction funds while insisting they've been returned Financial impact : {$500.00} direct loss, plus {$1100.00} in corresponding late fees with my rent and other expenses that were impacted by this debacle -- not to mention triggering my severe anxiety disorder. 

Supporting documentation : - Screenshots of cancelled transaction - Customer service chat logs - Email correspondence - Social media documentation - Bank statements showing withdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CA

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX  XXXX XX/XX/year> {$9300.00} XXXX  XXXX XXXX  XXXX XX/XX/year> {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-02-14 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: MS

Complaint narrative:
My account with EXPERIAN 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. 


EXPERIAN 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 2025-02-14 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: PA

Complaint narrative:
I found accounts on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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:
Good day to whom this may concern, On XX/XX/year>. I signed on to Experian.com to see my credit status and was offered a pre-qualified loan. I checked the rates and amount of {$8500.00} for 36 Months unsecured loan. I then was redirected to XXXX XXXX XXXX  stating it was going to pull a hard credit pull on my credit profile which they did and contacted me stating I was approved up to {$25.00} Secured loan and would I like to proceed with the loan verification process. I stared the loan which I applied was an unsecured loan for {$8500.00} Dollars not {$25.00} secured loan which I knew I wasn't able to provide collateral for it. I asked XXXX XXXX XXXX to remove the hard pull credit inquiry which they denied to do so. I fill very strongly I was lied to by Experian.com and XXXX XXXX XXXX to accept their pre-approval bate into accepting them to run my credit causing my score to be effected and my credit rating to be worsen by their deceptive tactics. I currently have a loan active with XXXX XXXX XXXX. Experian has repeatedly offered me loans through their so called affiliated partners at a very high interest rate. Gives different credit score numbers to other agencies and puts a totally different score on my profile. I have taken screenshots of them. This type of information and fraudulent activity has caused my credit account profile harm making companies offer me loans, products etc at much higher interest rates! Considering that they're already being investigated by CFPB gives my complaint even more XXXX concerning them to be dismantled or stoped. Experian is a predatory company committing fraud and illegal practices against their clients and the public consumers. I asked for help and appreciate your office in taking the time in 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 2025-02-14 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: TX

Complaint narrative:
My account with EXPERIAN 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. 


EXPERIAN 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 2025-02-14 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: IL

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to provide me with a copy of my credit report as required under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681g ).

On [ Date of Request ], I requested a copy of my credit report from TransUnion through [ method used : online, phone, mail ]. Despite meeting all eligibility requirements and providing the necessary information, TransUnion has failed to provide my credit report or respond to my request in a timely manner. 

I have made multiple attempts to resolve this issue, including [ list any actions taken, such as calling customer service, sending a follow-up letter, or checking online status ], but I have not received my report or an adequate explanation for the delay. 

Under the FCRA, I have the right to access my credit report once every 12 months for free, and I believe TransUnion is in violation of this federal law by withholding my 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 explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
# XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
Not sure how to answer this question none of my reports match and there are old accounts still listed also my personal information is listed and I asked to freeze all credit report because I have been one of the people who's information has been in data breach across them all of them and never got anything fixed nor compensated for any of these breeches. I'd like it all removed or corrected immediately please they get all these 3rd party debt collectors send im any thing and report the wrong information

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 2025-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to formally request a 1099-C Cancellation of Debt form for a charged-off account that appears on my credit report. Under IRS regulations ( 26 U.S. Code 6050P ), financial institutions are required to issue a 1099-C when a debt of {$600.00} or more has been canceled, discharged, or forgiven. According to IRS Publication 4681 and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ), if a debt is no longer legally collectible and has been canceled by the creditor, I am entitled to receive proper documentation of this cancellation. Therefore, I request that Capital One provide me with a copy of the 1099-C form for my tax records. 
Please send the form to my mailing address or contact me if further information is required. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: CT

Complaint narrative:
I had a past due amount from my account on XXXX XXXX XXXX from a XXXX bill. I transferred my bill in XXXX of 2024. I got a collection notice from Harris & Harris. They informed me, I owed the full amount of money to them and that I need to pay in order to get it removed from my credit report. I called XXXX and they informed me that my account was never sent to collections and my account is in good standing and apart of the price match program. XXXX is currently investigating the creditor. 

Reference number : XXXX Creditors account number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: WI

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: MI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief