vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: NC

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 2025-01-29 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: PA

Complaint narrative:
I am writing to file o formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previousty deleted material into my credit report. 
On ( XX/XX/year> ), I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX XXXX. account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days ofter sending the letter, XXXX has failed to remuve the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX 's actions have caused significant inconvenience and potential harm to my credit profile, Impacting my abllity to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection 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 2025-01-29 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
my ex-wife Many years ago used my personal information without my permission and used for bad porpoise I never authorized that she apply for a credit card and used

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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 was a victim of fraud on cashapp ( block , inc ) and reported it and was refused a refund. No live agent available to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Chainlink Services LLC
State: UT

Complaint narrative:
I received a voicemail that didn't state it was an attempt to collect a debt in this voicemail. XXXX stated that she needed information " before I move forward ''. 
I have never received any letter or any information from them until this voicemail. They've never left a message until today. 
I called the company, Chainlink Services and they said they had a loan of mine. I explained my situation, that I've been out of work for 2 years, and instead of trying to work with me, XXXX was rude and said, " Well I'll just send it off to the creditor as a refusal '' I said I wasn't trying to refuse, I just need some help. She put me on hold and then a man came on, XXXX. He was condescending. Making me feel so cheap and belittling me. He asked about my address, then pulled up information on the place I am staying, family is paying the rent, and read me off the name of my landlord and the mortgage on the property. He had pulled up my social media information as well. 
They were so rude, threatening to send it off to the creditor as a refusal. They aren't willing to work with me on a payment I could afford. They're giving me until Friday and then sending it off. Their tactics were horrendous. This company needs to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> Received denial letter from Wells Fargo for the XXXX XXXX XXXX I never applied for this card. Denied because I have a freeze/fraud alert on my credit due to multiple breaches. 
XX/XX/year> Contacted Wells Fargo. They are putting an internal alert. They told me the application was submitted online XX/XX/year>. 
I have never done business with Wells Fargo.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( block inc ) due to inadequate and lack of customer service unfair, practices, which violate consumer financial protection act ( cfpa ) specifically cash app failed timely, and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore, there are dispute resolution was unfair deceptive, and they did not comply with errors resolution require requirements under the Electric Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and stress and I am seeking appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial 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 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 in unacceptable and raises concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
I am writing to follow up on my previous communications regarding several errors and inaccuracies I have identified on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
I am writing to follow up on my previous communications regarding several errors and inaccuracies I have identified on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.

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 2025-01-29 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
, my name is XXXX XXXX, and I am reaching out regarding an issue with my Equifax credit report. There is an account listed under TFC, affiliated with XXXX and XXXX XXXX, that was fraudulently opened in my name. The original creditor, XXXX and XXXX, has already disputed this account, acknowledged that it was fraudulent, and removed it from my credit report. Despite this, the account is still showing on my credit report under TFC. I have made multiple attempts to resolve this directly with Equifax, but the issue remains unresolved. I first contacted Equifax and spoke with a supervisor named XXXX. During our conversation, I informed him that the account had been disputed and removed by the original creditor due to fraud. However, he was dismissive of the situation, stating that they would initiate another dispute. This is not acceptable, as the account should have been removed promptly after the fraud was confirmed. I also reached out to TFC, who confirmed that XXXX XXXX XXXXXXXX had indeed removed the account after confirming it was fraudulent. Despite this, the fraudulent account remains on my credit report, negatively impacting my credit score. I need this account removed from my credit report immediately. I have already followed the proper channels, and this issue has gone on far too long without resolution. I am requesting that Equifax take immediate action and remove this fraudulent account from my credit report today. If this matter is not resolved promptly, I will have no choice but to consider legal action to ensure my rights are protected. This situation is completely unacceptable, and I expect it to be handled with urgency. Thank you for your immediate attention to this matter. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 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 2025-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practice related to their 360 " high yield interest '' savings account. Capital One misrepresented the 360 savings account as having one of the nation 's highest interest rate, yet failed to notify account holders about the superior rate afford by 360 performance saving account. This deliberate obscurity and lack of transparency violated consumers trust. And resulted in significant financial losses for many breaching the consumers financial protection act and the truth in savings act. I seek redress for the misleading practice and failures to fulfill their advertised promise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
Equifax stated that all information was addressed and removed all accounts from my credit reporting that were in the complaint, but they did not. I placed a call to Equifax on XX/XX/XXXX and spoke to a manager because I seen on my credit report there were still there. After speaking to a manager she stated she was going to remove the additional accounts still showing inaccurate on my credit reporting including correcting my name, but nothing was fixed. The reference # for the correction is XXXX. I will be submitting another complaint for Equifax based on them not truthfully resolving the concerns in the first complaint. The following accounts below need to be removed IMMEDIATELY. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXf the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage which lead to identity theft and legally having to change my name. I would like for all listed accounts, names, public record and inquires to be blocked and delete company information of XXXX. Please delete the following accounts and names : Accounts : Creditor : ( 1 ) Dept of Ed Account : XXXX Balance : {$12000.00} Date : XX/XX/XXXX Creditor : ( 2 ) Dept of Ed Account : XXXX Balance : {$2100.00} Date : XX/XX/XXXX Creditor : ( 3 ) Dept of Ed Account : XXXX Balance : {$1800.00} Date : XX/XX/XXXX Creditor : ( 4 ) Dept of Ed Account : XXXX Balance : {$2000.00} Date : XX/XX/XXXX Creditor : ( 5 ) Dept of Ed Account : XXXX Balance : {$1800.00} Date : XX/XX/XXXX Creditor : ( 6 ) Dept of Ed Account : XXXX Balance : {$3700.00} Date : XX/XX/XXXX Name correction, Correct Name : XXXX XXXX. XXXX ( only name ) Remove Name : XXXX XXXX Address, Current address ( only ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove Address ( unknown ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IN

Complaint narrative:
in accordance whit the fair credit reporting act convergent company CONSUMER COLLECTION NM Account # XXXX, has violated my rights. this Account is not mine and EXPERIAN report it violating my right XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
I WAS INFORMED BY XXXX THAT I WAS A VICTIM OF DATA BREACH AND MY INFORMATION WAS AT RISK ALSO FOUND SEVERAL COLLECTION ACCOUNT ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
Mohela ( Student Loan ) reported incorrect information to XXXX credit report agency which dropped my score XXXX points. When I called Mohela, my wait time is 2 hours and 25 minutes. I finally got a call back hours later. I spoke with an agent for 2 minutes and was told I would be transferred to someone else. It was another waiting cue for an additional 2 hours and 25 minutes. Its next to impossible to speak with someone and get answers. MY loan has been deferred for over a year. There was no missed payment and no payments due. My balance should have never increased or decreased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
I WAS A VICTIM OF THE XXXX XXXX BREACH FOUND OUT THAT THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.5536y ( a ) ( 1 ) ( A ) - ( B ) ( 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 Experian 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