vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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:
My account with XXXX XXXXXXXX XXXX AND XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete 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 2025-04-26 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: NC

Complaint narrative:
XXXX, who arbitrarily shut down my accounts with them for a so-called " investigation '' without providing proper notice to me, has reported my credit card payment to them 30+ days late. I have had NO access to the credit card statement, credit card account or bank account for at least a month. 

There are multiple aspects to this, so please refer to complaint # XXXX filed on XX/XX/year> ( attached ). I phoned in on XX/XX/year> ( and months prior regarding separate issues, which were also not resolved ) but it was not until XX/XX/XXXX that I learned my account had been closed due to weird activity. It was at that time that I learned a check that I deposited had been returned. Apparently, the check was a bad check, but I had no idea because I rarely use the account I deposited into. This was all a surprise to me. After filing my initial complaint with CFPB, I started receiving emails from a XXXX XXXX at the XXXX Customer Service Center, to which I responded, but never received a reply to. 

I reiterate, XXXX now reported my card payment with them late which has caused resulted in negative effects, causing my credit/FICO score to plummet by almost XXXX points! This is unacceptable and needs to be reversed. Again, I CAN NOT see credit card statements, when payments are due, etc., because XXXX has disallowed me access to all of my accounts ( banking, credit card ), including online services, but are STILL sending reminders to look at my digital statements and harassing me with automated calls to make payments that I can not even review a statement for. As far as I'm concerned, they've rendered my alleged debt to them null and void based on their action of shutting down my accounts and removing my access to view accounts they are claiming I owe on, but have stripped me of the ability to verify or see any sort of reporting on. 

These negative/delinquent reports need to be reported as mistaken and removed from all three credit bureaus/agencies IMMEDIATELY. Being that I can't even see anything, and XXXX sneakily and without warning disallowed me access, who knows what else is going on behind the scenes. This looks extremely nefarious and completely unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that 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 non-monetary relief
Consumer complaint received 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Earlier today, I noticed inaccurate information on my credit report without any clear reason why. As part of my routine, I checked the report, but unlike usual, I found unexpected discrepancies. I refreshed my browser in case it was a system error, but the incorrect accounts stayed. Therefore, I am requesting a thorough review of the documents I submitted to ensure this issue is fully resolved.

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 2025-04-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been locked out of my account for about three weeks now because I changed addresses and also phone numbers. My mother has XXXX and I had to change addresses at the same time my phone number so The bank locked me out of my account. I have not been able to access any of my money pay any of my bills allowed me to deposit my check but not withdraw any money or use any of my credit cards my debit cards I went down to the bank spoke to a representative, they tried To help me, but were unable to go any further they took my check deposited it and then kept my money. I am in a lot of trouble right now because I have to pay bills affecting. My credit score is affecting my life. I can not access my money.

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 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

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 2025-04-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by the credit bureau on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place unauthorized accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. The credit bureaus has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) .The credit bureau is flagrantly disregarding consumer protection statutes. I did not receive any notice from unauthorized accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that the credit bureau remove these account 's from my credit report and cease all collection efforts 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 2025-04-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a formal dispute regarding inaccurate reporting on my credit report concerning the account listed as XXXX. 

The account is reporting the following issues : Status : Charge-off, charged off as bad debt, and unpaid balance reported as a loss across Equifax, TransUnion, and Experian. 
Balance : {$400.00}. 
Credit Limit : {$200.00}. 

Reasons for Dispute : The reported balance is inconsistent and exceeds the original credit limit. 
It is unclear how a balance of {$400.00} is being reported on a {$200.00} credit limit account. 
Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete and accurate ( 15 U.S.C. 1681s-2 ).

This reporting appears to be inaccurate, misleading, and not verifiable, violating my rights under federal law. I request that CFPB investigate this matter and request the data furnisher validate or correct the information. If the account can not be validated with proper documentation, I request immediate removal from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I bank with Regions bank, I have a checking account. Their policy is if you are overdrawn you have until XXXX to correct it. I did a deposit through XXXX XXXX and paid my instant fee to XXXX XXXX for a deposit to Regions before XXXX. Regions sent me an email stating I wouldnt be charged a fee bc I met the deadline. I felt the issue was solved at that point. However regions then decided to charge me two ( {$37.00} ) fees for this transaction. Both sides declined to solve this issue.

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 2025-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/XXXX, I received written confirmation from MOHELA detailing my enrollment in their Term and Rate Modification Program. This program explicitly reduced the interest rate on several of my private student loans, including the loan ending in ID XXXX, to 3.250 % for a specified period ( understood to be 6 months, ending late XXXX XX/XX/XXXX based on MOHELA 's communications ). My account has remained in good standing under this program. However, MOHELA prematurely reverted the interest rate on only the loan ending in ID XXXX back to a much higher rate ( currently showing as 11.50 % online ) before the agreed-upon program end date, while my other loans included in the same agreement correctly retained the 3.250 % rate until the program concluded around XX/XX/XXXX. MOHELA 's subsequent explanation citing a 'different due date ' for this specific loan causing an early rate reversion is inadequate, unclear, and contradicts the terms provided in their XX/XX/XXXX confirmation letter which applied the reduced rate to this loan for the specified term. I request that MOHELA honor the agreed-upon program terms by retroactively applying the correct 3.250 % interest rate to loan ID XXXX for the entire duration of the modification program ( up to its official end date ) and reversing all incorrectly applied excess interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am respectfully requesting your assistance regarding several potential violations of the Fair Credit Reporting Act ( FCRA ) committed by multiple creditors, which have adversely impacted my credit report. 

Under 15 U.S.C. 1681, Section 602, I am entitled to the right to privacy in the handling of my personal and financial information. Furthermore, pursuant to 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing information concerning my accounts without my written authorization.

Additionally, under 15 U.S.C. 1666b, creditors are not permitted to treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, provided the payment was received by the due date and in accordance with the terms specified. 

The creditors involved in this matter are as follows : XXXX XXXX ( XXXX ), XXXX XXXXk, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX  ( XXXX XXXX ), XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXX XXXX ). 

I am disputing the reporting of late payments associated with these accounts, as I believe they may have been inaccurately recorded or improperly reported in violation of my rights under federal law. 

I respectfully ask for the CFPBs assistance in investigating these concerns and ensuring that my rights as a consumer are properly upheld. I am prepared to provide any additional documentation or information necessary to assist with your review. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/XXXX and XXXX I made a payment of {$100.00} each time and both times my payment was returned by my bank because of a stop hold that was put on my checking account due to fraud back in XXXX. I had no knowledge that it was a permanent hold and not temporary as I was not properly informed. So any payment I was submitting ( even to other creditors ) my payment if {$100.00} was being returned. I called my bank and had that stop payment taken off my account and explained everything in detail to Synchrony bank but yet still they will not reopen my XXXX store card account which I get XXXX  % back on and use often and am in good standing. I feel they can reopen it especially the president of the company but are refusing for some reason stating that is their policy when recently I made {$200.00} payment and a few days later my account was closed. I find this unjust and not professionally especially because it was not done intentionally and I was not aware of any hold on my account.

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 2025-04-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I disputed 2 charges for transactions in XXXX on XX/XX/year>. One for {$320.00} and one for {$260.00} that I did not make. I used a cab service at the airport and ended up with both of these charges that have been made at so called lounges. American express has denied the disputes twice now. They can not provide a receipt with a signature and highly doubt they even looked into the matter. I have one disputed a charge one other time in my 10+ years with this company ( which was also denied ). This is criminal and can not continue to be let go of. You are not protected as an American Express customer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On or about XX/XX/XXXX I called Transunion Credit Bureau about inquiries on my consumer report that are fraudulently reporting false information on my consumer report where there was no offer or transaction with such companies. I ask that these inquiries be removed/blocked immediately per FCRA 605B ( 15 USC 1681c-2 ) and 15 USC 1681b. The inquiries in question are as follows : 1 ) Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-26 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
ON the letter it is dated XX/XX/year> for the amount of {$3000.00} and the address on the report is also wrong from Spring Oaks Capital , LLC. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year> at XXXX, I attempted to make a {$2.00} donation through Cash App. During the transaction, my phone was physically taken from me without my consent, and a {$300.00} transaction was processed without my authorization using my Face ID. This transaction was fraudulent and not initiated by me. 

I immediately reported the incident to Cash App and filed a police report ( Case Number : XXXX ). Despite providing evidence of the fraud, Cash App denied my dispute without properly investigating the situation and instructed me to contact the merchant, which is not feasible as this was a scam perpetrated by an individual, not a legitimate business. 

Cash App failed to take appropriate steps to protect me as a consumer. I am requesting a full refund of the {$300.00} unauthorized transaction and a proper review of this case.

Company response to consumer: Closed with explanation