vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: OH

Complaint narrative:
Subject : Dispute of Late Payment Charge for XX/XX/year> To Whom It May Concern, I am writing to formally dispute the late payment charge applied to my XXXXXXXX XXXX XXXX  account for the billing period of XX/XX/year>. Pursuant to 15 U.S.C. 1666b, which governs the timely crediting of payments, I believe the late fee was assessed in error. 

Federal law requires that payments be credited to an account on the date they are received, provided they meet the creditors reasonable payment requirements. My payment for XX/XX/year> was submitted in compliance with these requirements and should have been credited promptly. Below are the details supporting my claim : XXXXPayment Submission : I made my payment on XX/XX/year>, which was prior to the due date of [ XX/XX/year> ]. Enclosed with this letter is documentation of the payment, including [ proof of payment, such as a bank statement, payment confirmation email, or screenshot from your online banking system ]. 
XXXXTimely Crediting Requirement : Under 15 U.S.C. 1666b, creditors are obligated to promptly credit payments received on time. If there was a delay in processing my payment, that is XXXX  responsibility, and I can not be penalized for it. 
XXXXCompliance with Reasonable Requirements : I followed all reasonable payment instructions provided by XXXX, including [ examples, such as mailing the payment to the correct address or using the designated online payment system ]. If there were any unclear or unreasonable requirements that delayed the crediting of my payment, this also falls outside the scope of what can legally result in a late fee. 

Given that my payment was made on time and complied with all reasonable requirements, I respectfully request that the late fee and any associated interest charges for XX/XX/year> be removed from my account. 

If you disagree with my position, I ask that you provide documentation showing either ( a ) that my payment was received after the due date, or ( b ) that I failed to comply with reasonable payment instructions. Absent such evidence, I trust you will resolve this matter promptly in my favor. 

Thank you for your attention to this matter. I look forward to your response. 
Respectfully XXXX XXXX XXXX without prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: OH

Complaint narrative:
Subject : Dispute of Late Payment Charge for XX/XX/year> To Whom It May Concern, I am writing to formally dispute the late payment charge applied to my XXXX XXXX XXXX XXXX for the billing period of XX/XX/year>. Pursuant to 15 U.S.C. 1666b, which governs the timely crediting of payments, I believe the late fee was assessed in error. 

Federal law requires that payments be credited to an account on the date they are received, provided they meet the creditors reasonable payment requirements. My payment for XX/XX/year> was submitted in compliance with these requirements and should have been credited promptly. Below are the details supporting my claim : XXXXPayment Submission : I made my payment on XX/XX/year>, which was prior to the due date of [ XX/XX/year> ]. Enclosed with this letter is documentation of the payment, including [ proof of payment, such as a bank statement, payment confirmation email, or screenshot from your online banking system ]. 
XXXXTimely Crediting Requirement : Under 15 U.S.C. 1666b, creditors are obligated to promptly credit payments received on time. If there was a delay in processing my payment, that is XXXX  responsibility, and I can not be penalized for it. 
XXXXCompliance with Reasonable Requirements : I followed all reasonable payment instructions provided by XXXX, including [ examples, such as mailing the payment to the correct address or using the designated online payment system ]. If there were any unclear or unreasonable requirements that delayed the crediting of my payment, this also falls outside the scope of what can legally result in a late fee. 

Given that my payment was made on time and complied with all reasonable requirements, I respectfully request that the late fee and any associated interest charges for XX/XX/year> be removed from my account. 

If you disagree with my position, I ask that you provide documentation showing either ( a ) that my payment was received after the due date, or ( b ) that I failed to comply with reasonable payment instructions. Absent such evidence, I trust you will resolve this matter promptly in my favor. 

Thank you for your attention to this matter. I look forward to your response. 
Respectfully XXXX XXXX XXXX without prejudice

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 2025-01-25 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Dispute of civil liability for negligence and noncompliance ( reference XXXX. XXXX ) Foe accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 came across the CFPB equifax LAWSUIT I feel i was negatively impacted hurthing my chances at credit after receiving a response to my earlier dispute that accounts were verified come with the receipts or be quick to delete the accounts XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
Equifax has inaccurately reported my XXXX XXXX  account despite multiple disputes, violating my rights under the Fair Credit Reporting Act ( FCRA ). The false reporting of a charge-off status and incorrect balance has caused XXXX XXXX and potential credit denials. 

Timeline of Events : XXXX  Incorrect Reporting : Equifax is reporting my XXXX XXXX  account as a charge-off with a balance of {$26000.00} and a past-due amount of {$26000.00}. 
This reporting is inaccurate and misleading. 
XXXX Failure to Conduct a Reasonable Investigation ( FCRA 1681i ) I disputed this inaccurate reporting with Equifax. 
Equifax responded by verifying the incorrect information without proper investigation. 
They failed to provide the method of verification as required under FCRA 1681i ( a ) ( XXXX ). 
Failure to Ensure Accuracy ( FCRA 1681e ( b ) ) Equifax is required to maintain maximum possible accuracy in credit reporting. 
Despite my disputes, Equifax continues to report this false information, harming my creditworthiness. 
XXXX  Pattern of Non-Compliance The Consumer Financial Protection Bureau ( CFPB ) previously sued Equifax in XXXX  for mishandling consumer disputes and failing to ensure accurate reporting. 
XXXX continued violations show a pattern of negligence and disregard for federal consumer protection laws. 
Actions I Took to Resolve This Issue : I disputed this account with Equifax and provided supporting documentation to prove the inaccuracy. 
Equifax failed to properly investigate and reinserted the incorrect information without validation. 
I requested the method of verification, but Equifax refused to provide details, violating FCRA 1681i ( a ) ( 7 ). 
How This Has Affected Me : XXXX false charge-off reporting lowered my credit score, affecting my ability to obtain credit and financial opportunities. 
I have suffered stress and financial harm due to XXXX refusal to correct this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been communicating with this company since XXXX of XXXX in an effort to correct vitally important private and personal information that they so carelessly continue to misrepresent on my behalf. In XXXX, I began telling this agency that THEY HAVE INACCURATE and flat out WRONG INFORMATION listed on my credit report. They have yet to correct the items that I requested to be corrected. It is imperative because there are other people who share the same or similar names and addresses as me and I do NOT want to have any of our information mixed up as it has been in the past. This agency has violated every consumer law out there that protects me, my information, and the accuracy in reporting it. I have suffered severe humiliation and financial hardship as a direct result of their negligence. In the LONG months that I have been begging them to do right by me, they have YET to even correct my NAME and ADDRESS?!?! This is a gross misuse of authority as a data furnisher and controlling entity. 

According to XXXX XXXX XXXX XXXX, this bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. The inaccurate accounts and information continually being reported violates these laws : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( b ). Each item in dispute must be deleted immediately.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-25 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: OH

Complaint narrative:
I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as a inaccurate on my credit report. 

Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : 1. Experian has failed to notify me of the methods used to a verify the disputed accounts.

2. Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy. ill 3. My disputes have been dismissed without proper reinvestigation, as required by law. 
I request that the Consumer Financial Protection Bureau intervene to ensure that Experian adheres to its legal obligations Thank you for your attention to this matter.

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 2025-01-25 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 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 proce. 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, after several attempts to resolve this but was told different things each time. 

XXXX XXXX {$500.00} magically disappeared when I just transferred that morning before my daughter graduation party they ruined everything I couldnt pay for my daughter catering company or anything. 

Double payments of unauthorized for XXXX XXXX XXXX representative told me with a paragraph the funds was there and I explained it wasnt started a new chat, another representative stated I didnt receive but funds never showed up Tax Boss showed proof I never received the software from emails to the lady back and forth and she was able to walk away with that money As well as a staffing agency showed proof to them and again same exact thing they wanted proof only to tell you they denied your claim and the fraudster walks away with your money! They never helped with fraud, or anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: AR

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-01-25 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 agains 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, 15 USC and 1681i which mandates a reasonable investigation of disputes. Equifax actions may also contravene the consumer financial protection act 12 USC and 5536 ( a ) ( 1 ) ( a ) - ( b ). I request that the CFPB TAKE AFTION to ensure Equifax complied with the federal law and provides consumers with necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-25 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-25 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:
I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$3200.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Original creditor XXXX  Balance {$590.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX  Balance {$1400.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance {$430.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
Balance {$840.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$1300.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Went to apply for XXXX  XXXX was denied when I pulled my credit report to find out what was going on and it contained false personal information reported the Id theft and put in disputes for all the wrong information reported but it's still on my report to this day

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Went to apply for XXXX  XXXX was denied when I pulled my credit report to find out what was going on and it contained false personal information reported the Id theft and put in disputes for all the wrong information reported but it's still on my report to this day

Company response to consumer: Closed with explanation