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 XXXX, XXXX, XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in to be removed. 

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 XXXX, XXXX, XXXX XXXX AND XXXX 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! 

Delete 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, XXXX XXXX, XXXX, XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in to be removed.

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 XXXX, XXXX, XXXX XXXX AND XXXX 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! 

Delete 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: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I have been sending money through Zelle for years and before there was never a way to verify if the person was actually a confirmed person. There was no warning or verification step which led to transactions being sent to the wrong individuals and left my funds vulnerable everytime I attempted to use Zelle which we all assumed was the best option because it was through our bank. I thank XXXX that I never lost a huge amount but money has been lost. I would Ike to join the lawsuit against the EWS and XXXX XXXX

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: GA

Complaint narrative:
I am writing to formally request that fraudulent information be blocked from my credit report in accordance with 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act. I am a victim of identity theft that occurred as a result of the XXXX data breach. As a result, fraudulent accounts or inaccurate information have been added to my credit file. 

They have not attempted to remove these inaccuracies on my credit report. At this time XXXX, XXXX and or Transunion are violating my consumer rights. I have filed reports with FTC and CFPB. This is making is difficult to obtain a auto loan and personal loan. 

Please Remove accounts that are not mine. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At this time XXXX, Transunion and XXXX is violating my rights and federal laws. This is affecting my ability to purchase a new vehicle and obtain a personal loan. This information needs to be immediately 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 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: GA

Complaint narrative:
I am writing to formally request that fraudulent information be blocked from my credit report in accordance with 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act. I am a victim of identity theft that occurred as a result of the XXXX data breach. As a result, fraudulent accounts or inaccurate information have been added to my credit file. 

They have not attempted to remove these inaccuracies on my credit report. At this time XXXX, Experian and or XXXX are violating my consumer rights. I have filed reports with FTC and CFPB. This is making is difficult to obtain a auto loan and personal loan. 

Please Remove accounts that are not mine. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At this time XXXX, XXXX and Experian is violating my rights and federal laws. This is affecting my ability to purchase a new vehicle and obtain a personal loan. This information needs to be immediately 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit reports without my permission. Please remove this negative item. Thank you.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit reports without my permission. Please remove this negative item. Thank you.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I filed a dispute on these 6 Hard Inquiries that are still on my Transunion credit report. Transunion denied to follow up with the investigation. Since they have not attempted to remove or correct the information I am requesting these hard inquiries be removed or corrected immediately. I have no knowledge of these inquiries and they are affecting my credit score and chance of becoming a home owner. 

Late Payments Reporting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Late Payments Reporting from CLOSED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 US CODE 1666B 15 US CODE 1681a ( 2 ) ( 1 ) 15 US CODE 6802 Law FCRA Section 605 B These late payments should not be on my credit report. Also it is illegal to report information on my credit report without my permission. Please remove these items from my credit report. 
Transunion violate my rights as a consumer, as well as federal laws.

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with 15 USC 1681i 611 ( 8 ) ( b ) of The Fair Credit Reporting Act, Im requesting the following Statement of Dispute to be added to my consumer file for the following collection account. XXXX XXXX XXXX XXXX account # XXXX ] " Statement of Dispute '' On XX/XX/XXXX, a complaint was initiated with The Consumer Financial Protection Bureau for an alleged debt owed to XXXX XXXX. Documentation confirming ownership and the authority to collect was repeatedly requested, yet XXXX XXXX remain noncompliant. Because of their inability to prove that they own the debt and refusal to remove the account from my consumer file, legal action has been initiated against XXXX XXXX XXXX for noncompliance, Statue of Frauds and other additional violations committed under The Fair Debt Collections Practices 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 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: GA

Complaint narrative:
I filed a dispute on Account XXXX, with XXXX  XXXX due to the account information being incorrect. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car. Experian violates my rights as a consumer, as well as federal laws.

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: PA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Transunion consistently rest within 24 hours stating the account is accurate, without providing any evidence of a through investigation.This practice violates the Fair Credit Report Act ( FCRA ) ,15U.S.C.1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12U.S.C 5536 ( a ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File XXXX ) against them for similar violations.I request that the CFPB take action to ensure Transunion complies with federal law provides consumers with the necessary proof of investigationXXXX 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 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 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax 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, Equifax '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app closed my account like 2 years ago. And since then I have been trying to get them to tell me what terms and conditions I violated and when I do talk to them they tell me they can't offer me any additional information as to why my account was closed. They will not allow me to open another one either. I feel as though I didn't do anything to violated the terms. I also feel as a customer it's my right to know what I did for them to just close my account without any reason from them as to why they closed it. It's my right to know why it was closed and if they can't provide me with a reason then they need to reinstate my account and compensate me for the 2 years I have been fighting to fight why they closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I made my last authorized transaction on my Coinbase account, which was a send transaction of XXXX XXXX. Shortly after, a series of unauthorized transactions took place, indicating that my account was compromised. 

Between XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the following unauthorized transactions occurred : XXXX. Send Transactions ( Unauthorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$4800.00} USD ) XXXXXXXX XXXX sent to XXXX ( {$980.00} USD ) XXXXXXXX XXXX sent to XXXX ( {$2800.00} USD ) XXXX XXXX sent to XXXX ( {$2100.00} USD ) XXXX. Buy & Sell Transactions ( Unauthorized Trading Activity ) : Purchased XXXX XXXX  for {$2000.00} USD Sold XXXX XXXX  for {$2000.00} USD Purchased XXXX XXXX  for {$4800.00} USD Sold XXXX XXXX  for {$4800.00} USD Purchased XXXX XXXX  for {$1200.00} USD Purchased XXXX XXXX  for {$600.00} USD I did not authorize any of these transactions, and they indicate that my account was accessed by an unauthorized party. At the time, all devices used to access my Coinbase account were in my possession. I have not experienced any SIM swap, phone service interruption, phishing emails, or malware infections on my devices.

Coinbases Failure to Provide Account Protection I am a Coinbase One subscriber, which Coinbase advertises as providing account protection against unauthorized activity. However, after reporting this security breach to Coinbase, they stated that account holders are responsible for securing their credentials. Despite following all security best practices and promptly reporting the fraud, Coinbase has not refunded my losses.

Escalation & Law Enforcement Involvement I have already reported this incident to law enforcement and am actively working with authorities. I request that Coinbase honor its account protection policies, investigate this security breach, and reimburse the funds lost due to this unauthorized access.

I am submitting this complaint to the CFPB to escalate this matter, as Coinbases failure to protect its customers violates consumer protection standards.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding my submissions. Equifax consistently responds by stating that the accounts in question are accurate, yet they fail to provide 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceeding ( File No. XXXX ) against Equifax for similar violations XXXX 

I respectfully request that the CFPB take appropriate action against Equifax to ensure they comply with federal law and provide consumers with the necessary proof of a proper investigation.

Company response to consumer: Closed with explanation