vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
XX/XX/2024 Subject : Formal Complaint Against XXXX and Experian Regarding Inaccurate Late Payment Reporting for XXXX  Account Dear CFPB, I am writing to formally file a complaint against XXXX and Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  account ( Account Number : XXXX ). Despite multiple attempts to resolve this issue, including disputes filed on XX/XX/2024, XX/XX/2024, and XX/XX/2024, the inaccurate information remains uncorrected. 
Key Account Details : Account Number : XXXX High Balance : {$420.00} Balance Owed : {$350.00} Credit Limit : {$3500.00} Late Payment Reported : 30-day late payment for XX/XX/2024 ( XXXX and Experian ). 
Account Status : Open and Current. 
Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The incorrect 30-day late payment reported for XX/XX/2024 demonstrates a failure to uphold this requirement. 
As per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. 
Truth in Lending Act ( TILA ) : Per 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting indicates a failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors are mandated to provide timely statements to prevent unfair penalties. The inaccuracies in reporting late payments breach this obligation. 
Evidence of Discrepancies : The reported late payment for XX/XX/2024 is inconsistent with my payment history, as I have always made payments on time. 
XXXX and Experian report a 30-day late payment for XX/XX/2024, while XXXX has no reported history of late payments for this account. 
Monthly payments and account status indicate compliance with payment terms, further invalidating the reported delinquency. 
Requested Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/2024 from my credit report with XXXX and Experian. 
Written confirmation of the correction. 
An assurance that reasonable procedures will be followed to ensure future accuracy. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints to the relevant regulatory bodies. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In my PayPal account on XXXX it trapped me on a page that stated with no harm to my credit that it would tell me if I was eligible which I wasnt interested in that. I hit submit to go to the next page but it actual ran my credit and approved me in one click. I didnt agree to any of that at all. I am not sure how this couldve even happeded. That was so misleading. I emailed them and no one has gotten back to me.

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 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
In XX/XX/XXXX, the XXXX XXXXXXXX XXXX Department ( XXXX ) deposited {$2700.00} into my Money Network debit card account. As of XX/XX/XXXX, I can not access these funds due to an inexplicable " error '' message displayed on the account. While I have a debit card linked to the account, I can not withdraw any funds. Additionally, when I attempted to transfer money from the Money Network app to my bank account ( a process that worked without issue in XX/XX/XXXX during a prior unemployment claim ), the app returned an " Invalid Account Status '' message. 

Attempts to Resolve : I attempted to contact Money Network customer service XXXX XXXX over XXXX days using the only available phone number provided on the debit card. Despite being given estimated wait times of XXXX to XXXX minutes, I waited over XXXX hours on each occasion without being connected to a representative. My wife also called the same number simultaneously and experienced similar extended hold times exceeding XXXX hours. We spent about XXXX hours between both of us in 2 days. 

The Money Network customer service system offers no alternative methods of contact or complaint resolution. Pressing " XXXX '' to reach a representative results in a message that this option is unavailable. Persistence with the system eventually led to an option to wait for an agent, but I was never connected as mentioned above. 

The Money Network website lacks functionality for filing complaints or reporting card issues, such as lost or stolen cards. 

Concerns with XXXX Process and ties to XXXX : When I filed this unemployment claim, XXXX asked if I preferred funds to be deposited directly into my bank account. I selected this option, provided my bank routing and account information, and was informed that all future funds would be deposited directly to my bank account. I also received a notice from XXXX stating that I would be notified when funds were deposited. However, a week later, the funds were deposited into the Money Network account instead, which I can not access. 

Speculation and Frustration : I am left without any way to access funds awarded by XXXX, which I need to pay bills and meet basic living expenses. This has consumed XXXX full days of my time ( and my wife 's ), time that could have been spent searching for a job. I am deeply frustrated by what appears to be a failure of XXXX XXXX customer service system and potentially mismanagement of my funds. 

If my account has been suspended for any reason ( e.g., filing a second unemployment claim within XXXX months ), there should be a clear notification or an accessible channel to resolve the matter. Instead, I am entirely in the dark about the status of my account, leaving me without the ability to access critical funds.

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 2025-01-10 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: CA

Complaint narrative:
Due to Experian credit report data breach, fcra section 605b it is illegal to report anything on my credit report without my permission please remove accounts as 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 explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/scrub>XXXX XXXX XXXX the most recent I've sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2025-01-10 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: GA

Complaint narrative:
I have filed police reports and have contact XXXX SEVERAL times regarding my identity theft issue. They have approved my request, but have yet to remove the accounts from my report and update properly on the experian site. I see they have been removed when I check my XXXX report on other sites, but not on the actual XXXX  site which many companies use. I need this corrected immediately as this situation has caused enough trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
The company prosper credit card stated I was late on my payment for XX/XX/XXXX untrue. 

This payment was scheduled for automatic withdrawal on XX/XX/XXXX for the XXXX payment. The company did not apply this to the XXXX statement they back dated the payment to XX/XX/XXXX ( no payment was scheduled for this date ) and applied it to the statement for XX/XX/XXXX dared XX/XX/XXXX. 

I have paid this company on time ever since I have had this card. I tried to explain where they made their mistake on multiple occasions. 

I spoke to XXXX on XXXX at XXXX, who stated he would escalate this to a XXXX because he could see the error. 

Then I received another call from XXXX on XXXX XXXX XXXXXXXX who tried to work with a supervisor and had to transfer me to customer service because he could not see all the records this occured @ XXXX her name was XXXX she opened a ticket stating a technical issue on the account. A computer glitch to the internal team. Ticket number XXXX. She also stated she would escalate this issue. She would also make sure the credit Bureau would be notified i was not late. 

XXXX stated to me the payment I paid on XX/XX/XXXX was credited on XX/XX/XXXX which made me late I disagreed since the payment was set up for automatic payment on the XXXX and they applied it 7 days later. Holding my payment before they posted it. Even so, my payment is not due until the XXXX of the month, and therefore, since they posted it on the XXXX, it still would not be late. I received a couple of excuses for this issue, and ultimately, they blamed this on a computer glitch. 

XXXX did reverse the late fee. However, they are still stating I am behind on my payment, requiring me to submit a payment of XXXX. 

The records indicate I scheduled a payment on XX/XX/XXXX it was deducted from my personal bank on XX/XX/XXXX. Their record indicates this payment was posted on XX/XX/XXXX, which makes no sense. I do not trust this company to follow through and correct their error, and if they did this to me, how many more customers have the same issue 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 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App has closed my account and stated that I violated their Terms of Service, but they have not provided any specific details or evidence of the alleged violation. In their email, they explicitly stated that I am " not eligible to appeal '' the account closure and provided no further recourse or explanation.

I have repeatedly asked for clarification about : The specific clause ( s ) of their Terms of Service I allegedly violated.

Evidence or documentation supporting their claim.

Any process to appeal the closure or dispute the decision.

Despite my requests, Cash App has refused to provide transparency, leaving me unable to address or rectify the issue. This lack of communication and accountability has severely impacted my ability to manage my funds and undermines fair treatment for consumers.

Consumer Rights Violated : Fair Credit Reporting Act ( FCRA ) : As a consumer, I have the right to transparency when decisions affect my access to financial services.

Electronic Funds Transfer Act ( EFTA ) : I am entitled to access my funds and have a clear understanding of any actions affecting my account.

Unfair and Deceptive Acts and Practices ( UDAP ) : Refusing to provide specific reasons for account closure or allowing an appeal process constitutes unfair treatment.

Resolution Sought : A detailed explanation of the alleged violation, including the specific clause ( s ) of the Terms of Service that were violated.

Evidence or documentation supporting their claims.

Immediate access to all funds in my account, including Bitcoin or stock holdings, without restrictions.

Implementation of a transparent process for account closures and appeals for all Cash App users.

This lack of transparency and refusal to communicate violates basic consumer rights, and I am seeking CFPB 's intervention to resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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 the inaccurate entry on my credit file. Despite multiple attempts to request the deletion of this negative entry, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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 the inaccurate entry on my credit file. Despite multiple attempts to request the deletion of this negative entry, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
KINDLY HELP ME. THERE ARE ITEMS OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. SEE ATTACHED DOCUMENT.

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 2025-01-10 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Your Name Your Address City, State, ZIP Code Date Subject : Dispute of Inaccurate Information Under 15 U.S. Code 1681i ( 7 ) Dear EXPERIAN I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 7 ). I have identified the following inaccurate item ( s ) on my credit report : - ** [ Creditor Name or Account Name ] ** : [ LVNV FUNDING LLC ACCOUNT NUMBER XXXX AMOUNT \ {$850.00} ] This information is inaccurate or incomplete for the following reasons : [ The account was is not mines and was reported in a XXXX XXXX breach I have also filed a report with FTC as well as XXXX to get it removed from my credit report Enclosed with this letter are copies of supporting documents that substantiate my claim, including : XXXX. Dispute letter to XXXX XXXX. Data breach proof ] Under 15 U.S. Code 1681i ( 7 ), I respectfully request that you : 1. Investigate and verify the accuracy of the disputed information.

2. Provide me with a written summary of the investigation process and results.

3. Remove or correct the inaccurate information if it can not be verified.

Please acknowledge receipt of this dispute letter in writing. I understand you are required to complete your investigation within 30 days of receipt of this dispute. 

Thank you for your prompt attention to this matter. If you require further information or documentation, you can contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : [ List of attached documents, e.g., " Copy of credit report highlighting disputed item '' ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PREFERRED CREDIT INC
State: CA

Complaint narrative:
I asked for personal information such as signature location, documentation, identification, and any other information that would lead to conviction of persons involved in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I have reviewed my credit report and have noticed the creditor XXXX XXXX XXXXXXXX XXXX  has been reporting inaccurate information such as balance owed, date of last payment, date account delinquency etc. Section 607 of the FCRA mandates that information reported to consumer reporting agencies must be accurate and complete. XXXX XXXX XXXXXXXX XXXX  continues to report late payments or fails to update the account status as charged off or written off for profit loss and failing to send a XXXX form. They are violating this requirement by not reporting accurate information. 
Under Section XXXX, XXXX XXXX XXXX XXXX must ensure that the information provided to the credit bureaus is accurate, and if the charge-off status has been reported incorrectly, it is their responsibility to update or correct the report. Furthermore, this account with this creditor is in litigation and has reported to the FTC and law enforcement and XXXX police reports have been filed.

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