vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL. XXXX Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent Dear Credit Reporting Agency ( s ), I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported.

Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ).

The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date. 
I request that you provide proof of compliance with these requirements, including : XXXX. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt. 
XXXX. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement. 
XXXX. Evidence that the statement was mailed or delivered at least 21 days before the payment due date. 
Without this evidence, the creditor can not lawfully report a payment as late.

Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported. 
In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report.

Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports XXXX XXXX  Account XXXX XXXXXXXX I expect that you will fully investigate this matter and provide a response within the time frame required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
On XX/XX/year> I requested a refund for four payments I made while in forbearance through my loan servicer, MOHELA. They contacted me later that month and indicated I could be refunded for the four payments and confirmed the request for refund had been made ( see attached screenshot ). I have yet to receive my refund, and I reached out to MOHELA in XXXX and again in XXXX and all they told me was the request was processing. I think it is unacceptable for a refund to take over 7 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am filing a complaint against XXXX, Equifax and XXXX due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX, XXXX, XXXX and XXXX. XXXX XXXX removed this account from my credit report and then re-added this same account several times over the course of the last 4 years which is a violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of 2010 ( CFPA ). I did not obtain a new loan in XXXX with XXXX XXXX XXXX XXXX and I do not know if this means that the loan was sold as no information was provided to me regarding this nor did I give consent to have my personal information sold to a 3rd party. 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX, XXXX and Experian due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX, XXXX, XXXX and XXXX. XXXX XXXX removed this account from my credit report and then re-added this same account several times over the course of the last 4 years which is a violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of 2010 ( CFPA ). I did not obtain a new loan in XXXX with XXXX XXXX XXXX XXXX and I do not know if this means that the loan was sold as no information was provided to me regarding this nor did I give consent to have my personal information sold to a 3rd party. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear CFPB, I am filing a complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i ( a ) ( 1 ), 1681i ( a ) ( 6 ) ( B ), and 1681i ( 5 ) ( B ). These violations have caused significant harm by allowing inaccurate and unverifiable information to remain on my credit report. To resolve this issue, I am requesting that Experian delete all reports associated with my credit file. 

Details of Violations : XXXX. Failure to Reinvestigate Disputed Information ( 1681i ( a ) ( 1 ) ) : On [ date ], I disputed inaccurate information on my credit report. Under 1681i ( a ) ( 1 ), Experian is obligated to conduct a reasonable reinvestigation within 30 days. However, Experian failed to perform an adequate investigation into the disputed items, resulting in the continued reporting of inaccurate information. 
XXXX. Failure to Provide Results of Reinvestigation ( 1681i ( a ) ( 6 ) ( B ) ) : Following my dispute, Experian did not provide me with the results of the reinvestigation or an updated credit report as required under 1681i ( a ) ( 6 ) ( B ). This lack of communication has made it impossible for me to verify whether my dispute was resolved appropriately.

3. Failure to Delete or Correct Inaccurate Information ( 1681i ( 5 ) ( B ) ) : Despite evidence that the disputed information is inaccurate or unverifiable, Experian has failed to delete or correct this information from my credit report. As stipulated under 1681i ( 5 ) ( B ), Experian must promptly delete or modify inaccurate information, which has not occurred in this case.

Resolution Requested : To resolve these violations and mitigate further harm, I request that Experian : XXXX. Delete all reports associated with my credit file to ensure that no inaccurate or unverifiable information is reported. 
XXXX. Confirm in writing that all reports have been deleted to comply with FCRA requirements. 
XXXX. Implement proper procedures to prevent similar issues in the future. 

Conclusion : Experians noncompliance with FCRA requirements has negatively impacted my financial standing. I respectfully request the CFPB to investigate this matter thoroughly and take appropriate enforcement actions to ensure Experian complies with the law. 

Thank you for addressing my complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX : As per my rights under the Fair Debt Collection Practices Act ( F.D.C.P.A. ), I humbly request that your agency provide valid proof of claim that I am legally obligated to pay the alleged debt. Additionally, I am requesting the following : The amount you claim I owe.

An explanation showing how the amount was computed.

Copies of any documents that prove I agreed to pay the alleged amount.

The identity of the original creditor.

Confirmation that the account has not exceeded the statute of limitations ( SOL ) period. 
Evidence that XXXX XXXX is a licensed debt collector. 
Evidence of XXXX XXXX license numbers and registered agent. 
Additionally, I request that you remove any outdated or unreachable addresses and phone numbers from my credit profile. Please ensure that my name is updated to reflect the only name I go by, which is XXXX XXXX. 
Please be informed that if your agency or the creditor you represent has reported unverified account information to any of the major credit bureaus ( XXXX, XXXX, Experian ), it constitutes a fraudulent action under both federal and state laws. If any negative item related to this account remains on my credit report without proper validation, I will be compelled to take legal action for the following violations : Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ) Defamation of character Unauthorized use of my copyrighted property

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 2025-01-26 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:
i recently review a copy of my credit report and notice i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute and bring to your immediate attention several inaccuracies and inconsistencies in the negative items being reported across my credit report. As a credit bureau, it is your legal and ethical obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported on my credit file is accurate, complete, and verifiable. 

However, based on the data provided below, you are falsely reporting negative items that are inaccurate and inconsistent across the three major credit bureausTransUnion, XXXX, and XXXX. This lack of accuracy raises serious concerns about your credibility and the effectiveness of your processes for ensuring compliance with 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 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: PA

Complaint narrative:
There is a debt on my credit score in the amount of {$440.00} from penn credit corp. This is not a accurate listing. My security deposit of {$500.00} was never returned to me, In which case if I applied a security deposit I should not have an end balance bill. this collection agency can not keep coming after me for a bill that has been paid in full. I have also asked them to send me several documents showing.. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

they have refused to send this information to be. I would like this removed from my credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
In XXXX  and XXXX, I inadvertently sent funds to incorrect recipients on the platform Zelle. When I attempted to retrieve the money from my bank, I was informed that the transaction could not be recovered. Prior to sending the funds, I did not receive any warnings indicating that transactions sent to the wrong parties would be unrecoverable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
Inaccurate accounts on my credit reporting and not removed. Victim of identity theft. Experian was notified. Names and addresses have not been removed that are not associated with 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 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Please remove this inaccurate, untrue, incomplete, and non-compliant information from my credit report immediately This is a violation of the FCRA and is a sign of violation of required XXXX XXXX Compliance Reporting. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE REULATIONS, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS, OR ARE DEFICENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSEWISE, NOT COMPLIANT, TO INCLUDE TO XXXX XXXX REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am filing a complaint against TransUnion for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, TransUnion consistently responds within 24 hours, stating that 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, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5535 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : 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 non-monetary relief
Consumer complaint received 2025-01-26 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: MS

Complaint narrative:
I recently reviewed my credit report and noticed an account was not reporting accurately. The consumer reporting agencies have to report all information with complete accuracy. I ask you to investigate and provide verified proof with records showing that I had a late payment. If this information can't be verified, I would like to make sure these payments are updated to be paid on time as soon as possible. Thank you for understanding and taking the time to take action.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently reviewed my credit report and noticed an account was not reporting accurately. The consumer reporting agencies have to report all information with complete accuracy. I ask you to investigate and provide verified proof with records showing that I had a late payment. If this information can't be verified, I would like to make sure these payments are updated to be paid on time as soon as possible. Thank you for understanding and taking the time to take action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CarMax, Inc.
State: ME

Complaint narrative:
Carmax Auto Finance did not send a 1099c which is required according to the IRS when a line of credit greater than {$600.00} is charged off as bad debt- in this case it was {$3800.00}. The account is still negatively reporting on my credit report despite the company selling the debt to a debt collection agency without my knowledge, consent, or signature to do so.

Company response to consumer: Closed with explanation