vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: VA

Complaint narrative:
My account with EQUIFAX EXPERIAN 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.

EQUIFAX EXPERIAN 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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
I sent a payment on CASHAPP for {$15.00} to a merchant on XX/XX/XXXX. The merchant was unable to provide the service and refunded me through CASHAPP on XX/XX/XXXX. CASHAPP told me the payment would be in my account by XX/XX/XXXX. I have contacted CASHAPP when I noticed the amount was not refunded and they told me it could take 10 days. It is now XXXX days and they are now claiming they already refunded me. I have not since received this refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX  IL XXXX Reference # : XXXX XXXX Bankruptcy Court Reference # : 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 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 2025-01-31 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: CO

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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. 


EQUIFAX EXPERIAN 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 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/XXXX I was pre- approved for the financing of a XXXX XXXX XXXX through Navy Federal . We picked up the car on XX/XX/XXXX The car was returned the next day due to multiple " Drip Rags '' holding the XXXX XXXX ''. The car had multiple safety issues. I was within the XXXX Recession Period to return the car. The car was returned to the owner, XXXX XXXX, in XXXX, NC. Navy Federal assured me that once the Consumer Loan Indemnity Agreement/Declaration at Loss paper was signed the obligations of the loan would be terminated ; since we returned the car within the 3 Day Recession period. The Declaration was signed and faxed on XX/XX/XXXX. Later, XXXX of XXXX, I tried to acquire another loan I was denied. I tried in XXXX, XXXX and XXXX of XXXX to get loans. I was denied. I didn't know then, what I know now... Under 15 USC 1691, " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. I challenged the action by under Adverse Action and was still DENIED. I realized today. That the account remained opened and the Promissory Note remained active was collected by Navy Federal through the Federal Reserve. ( Based on Moore vs. Alliance Credit- Navy Federal knew that their actions during this transaction was completely Fraudulent. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit 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 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXX XXXX a collection agency from XXXX Florida acting on behalf of XXXX XXXX. This company stated that they were going to put a collection on my credit profile for a rental agreement I owed {$17000.00} for, at which time I stated to them I never rented this apartment or owe any money. I stated to them i'm a current home owner at XXXX XXXX XXXX, XXXX NY XXXX and this account is apart of identity theft. This account goes back to XX/XX/XXXX when I noticed a company name XXXX XXXX was reporting monthly activity on my credit profile for this same rental apartment with XXXX XXXX. I filed a FTC report ( # XXXX ) and CFPB claim for that account and it was investigated and remediated. XXXX XXXX XXXX stated that this is my debt and it has been verified. I asked that they mail me the info showing its my debt in which they did not send anything. XXXX XXXX XXXX proceeded to put an illegal collection on my credit profile with equifax ( XXXX ) which I have attached. This filing is a violation of my rights and of FDCPA section XXXX ( a ) which requires that a debt collector send a written notice containing certain information about the debt and actions the consumer may take in response ( the validation notice ) to a consumer within five days of the initial communication. The final rule also requires a debt collector to provide prompts that a consumer can use to dispute the debt. The final rule provides a safe harbor for compliance with these disclosures requirements for debt collectors who use the model validation notice or certain variations of the notice. 

I have filed a new FTC report ( XXXX ), two police reports ( XXXX & XXXX ) and I have attached the police report ( XXXX ) from the prior claim showing the company XXXX  XXXX  that was reporting the month activity on my credit report. I have attempted to resolve this matter directly with the debt collection agency and through the credit bureaus. Despite my request the inaccurate information remains on my report. I then made a second request with the collection agency XXXX XXXX XXXX and was told that they're not the original debtor, that they were hired to manage the debt and I could not receive any information regarding the original debtor which is why it wasn't sent to me. 

This debt how's on my credit report that it was opened XX/XX/XXXX but shows no activity on credit history, in order for it to be in collection it should have some history of being late or charged off and comments state subject has not satisfied debt in which the collection has not provided me with any validation of a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Essential Lending Inc
State: WI

Complaint narrative:
I paid a full amount pay off on XX/XX/year> they did not make this account paid off. This company ended up not even be who I owed. I am trying to get my money back from the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TX

Complaint narrative:
XX/XX/year> I filed a dispute, They advise a provisional credit will be applied after 20 days, however. I am not a new customer, this account was recently opened but I have been with netspend awhile. I asked for documentation on dispute and guidelines they are governed by, and what is considered a new account I was denied that information. I have been on multiple calls, many agents have hung up. I have spent 4 hours today on the phone.

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 2025-01-31 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-31 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: CA

Complaint narrative:
XXXX XXXX  has continued to report negatively since 2019 in which loan number XXXX was paid in full through the sale of the home. I have requested documentation they have to show the loan was open past 2019 and nothing has been provided. I have requested numerous times XXXX XXXX  stop reporting and to date no response however negative reporting continues.

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 2025-01-31 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: CA

Complaint narrative:
XXXX XXXX  has continued to report negatively since 2019 in which loan number XXXX was paid in full through the sale of the home. I have requested documentation they have to show the loan was open past 2019 and nothing has been provided. I have requested numerous times XXXX XXXX  stop reporting and to date no response however negative reporting continues.

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 2025-01-31 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: CA

Complaint narrative:
XXXX XXXX  has continued to report negatively since 2019 in which loan number XXXX was paid in full through the sale of the home. I have requested documentation they have to show the loan was open past 2019 and nothing has been provided. I have requested numerous times XXXX XXXX  stop reporting and to date no response however negative reporting continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized, fraudulent, collections accounts on all three of my credit reports. This has caused financial harm and duress to me. I have medical collections bills which appear, and that is a problem for me, being that I did not send or authorize these collections companies to HAVE my PERSONAL, FINANCIAL, OR MEDICAL HISTORY/RECORDS. EACH PLACE THAT HAS SOLD MY IDENTITY, HAS VIOLATED ME IN EVERY WAY. THE ORIGINAL CREDITORS, LITERALLY SOLD MY INFORMATION, AS A SEVERE VIOLATION OF HIPAA. I NEED THESE ACCOUNTS REMOVED OUT OF MY NAME IMMEDIATELY, OR I WILL SUE. I ALSO NEED THE INQUIRIES REMOVED FROM MY NAME ASAP!! I DO NOT HAVE A CONTRACT WITH ANY OF THE COLLECTIONS COMPANIES LISTED!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized, fraudulent, collections accounts on all three of my credit reports. This has caused financial harm and duress to me. I have medical collections bills which appear, and that is a problem for me, being that I did not send or authorize these collections companies to HAVE my PERSONAL, FINANCIAL, OR MEDICAL HISTORY/RECORDS. EACH PLACE THAT HAS SOLD MY IDENTITY, HAS VIOLATED ME IN EVERY WAY. THE ORIGINAL CREDITORS, LITERALLY SOLD MY INFORMATION, AS A SEVERE VIOLATION OF HIPAA. I NEED THESE ACCOUNTS REMOVED OUT OF MY NAME IMMEDIATELY, OR I WILL SUE. I ALSO NEED THE INQUIRIES REMOVED FROM MY NAME ASAP!! I DO NOT HAVE A CONTRACT WITH ANY OF THE COLLECTIONS COMPANIES LISTED!!

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 2025-01-31 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: AZ

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 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. 16811, 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. 2025-CFPB-0002 ) 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. 

These are the accounts I marked as inaccurate : Collection Agency XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Agency XXXX XXXX XXXX XXXX XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I received a 1099 form in the mail that Cash app filed with the IRS. It states I received a total of {$11000.00} on there service in XXXX. {$8300.00} in XXXX and {$3300.00} in XXXX. I have received {$0.00} on there service in XXXX. There are no payments transactions on my account, no sign of unauthorized device log in. I called for support that day. The rep said my account is closed for term violations and that they don't know specifics. They sent me to the chat for help where I receive canned response after canned response that does not address the issue. I called again and they said the same. I asked to speak to a XXXX and I was advised none are available and the only way to reach XXXX is from email and that they emailed them. I received an email from a XXXX with the same canned responses. I chatted for over XXXX hours and got no where just that they documented that I was not satisfied. Chatting and asking for a live person who still would not address the 1099 or why my account was closed escalated a case to appeal my account closing because once open I could possibly get help. I received an email on XX/XX/XXXX stating the same canned response 'Your account has been found to be in violation of our Terms of Service and/or our Acceptable Use Policy, and has been closed. While you are still able to access your account, sell your bitcoin or other assets, and withdraw any remaining funds, all other features, including the Cash App XXXX, have been permanently XXXX. I dont have specific reasons why, but you can view our Cash Terms of Service at XXXX XXXX XXXX for possible reasons. They closed the case. I chatted for another XXXX hours on XX/XX/XXXX trying to get help with the 1099 and now my account for fraud must be going on but receive no help and often they try to shut down the conversation saying they addressed the issue with resolution and they are sorry I don't like the response. I know have hours to spend to try to explain to the IRS that the claimed 1099 is false, possibly have to pay more taxes on income I did not receive. I am frustrated and can't concentrate on other life matters worrying what else is going on with my identity and this company. There is no transaction evidence, they can also see that. Are they trying to hide money by fraudulently saying I received it.

Company response to consumer: Closed with explanation