vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: MO

Complaint narrative:
On my credit report, there is a late payment from XXXX XXXX. This late payment should be deleted due to the following violation : Additionally, my rights have been violated under 15 U.S. Code 1666b, which mandates that creditors must provide a billing statement at least 21 days before the payment due date. This law explicitly states : " A creditor may not treat a payment as late for any purpose unless the creditor has transmitted a statement to the consumer at least 21 days before the payment due date. '' I never received such a notification from XXXX XXXX, and as a result, the late payment reported on my account is inaccurate and must be deleted immediately. Since I did not receive the proper notice, any negative reporting based on this late payment is unlawful and should be rectified without delay. 
Failure to comply with this request will leave me with no choice but to pursue legal action against your company for violating federal consumer protection laws. Under the law, noncompliance can result in substantial penalties, and I am prepared to enforce my rights through all available legal avenues if necessary. If XXXX claims that they provided me with such a statement, then they have to provide viable proof of this, such as a tracking number. A failure to provide this information that they complied with the law before reporting this alledged late payment is crucial. Since they didnt comply with this law, then this late payment must be updated to pay as agreed. The law clearly states that this statement must be physically delivered 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 non-monetary relief
Consumer complaint received 2025-02-25 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: MO

Complaint narrative:
On my credit report, there is a late payment from XXXX XXXX. This late payment should be deleted due to the following violation : Additionally, my rights have been violated under 15 U.S. Code 1666b, which mandates that creditors must provide a billing statement at least 21 days before the payment due date. This law explicitly states : " A creditor may not treat a payment as late for any purpose unless the creditor has transmitted a statement to the consumer at least 21 days before the payment due date. '' I never received such a notification from XXXX XXXX, and as a result, the late payment reported on my account is inaccurate and must be deleted immediately. Since I did not receive the proper notice, any negative reporting based on this late payment is unlawful and should be rectified without delay. 
Failure to comply with this request will leave me with no choice but to pursue legal action against your company for violating federal consumer protection laws. Under the law, noncompliance can result in substantial penalties, and I am prepared to enforce my rights through all available legal avenues if necessary. If XXXX claims that they provided me with such a statement, then they have to provide viable proof of this, such as a tracking number. A failure to provide this information that they complied with the law before reporting this alledged late payment is crucial. Since they didnt comply with this law, then this late payment must be updated to pay as agreed. The law clearly states that this statement must be physically delivered 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 2025-02-25 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 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 the appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, I was part of an elaborate scam in where we lost a total of XXXX dollars. We transfers the money using XXXX using our bank card with XXXX. We quickly notified both parties but found both to point the fingers at each other and neither willing to help. We included screen shots of the goods promised and explained that inc funds were received, the person did not fulfill their part. 

XXXX was willing to issue a temporary credit but that was charged back to us in XXXX without more than a few days notice. The explanation was that they were not held responsible. When we reached out to XXXX, they opened up an investigation but did never followed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding an ongoing issue with my XXXX Credit Card ( Account ending in -- XXXX ) and XXXX XXXX Credit Card ( Account ending in -- XXXX ), both managed by Comenity Bank. 

Despite multiple attempts to resolve this issue with the bank, I have been unable to get a satisfactory response. I reported both of these cards as stolen, and I contacted Comenity Banks customer service on numerous occasions, yet I am still being held responsible for the balances. Additionally, all XXXX stores have closed, and I believe this is causing confusion with the handling of my account. 

These accounts were reported to my credit report in XXXX and still reporting as active/ open and its XXXX  I do not agree with the claim that I owe money on these accounts. I have already received statements from Comenity Bank, but providing statements is not the proof I am looking for. I am requesting the following from Comenity Bank : XXXX that I owe the money.- Meaning search for your recording calls from me on your company phone system that i reported. 
Removal of these accounts from my credit report if they can not provide sufficient evidence. Despite having contacted Comenity Bank multiple times, my concerns have not been addressed, and I continue to see these accounts reported negatively on my credit report. 

I respectfully request that the CFPB assist in resolving this matter and help ensure that Comenity Bank either provides proof of the debt i reported this to your company on a recording call with your customer service representative or removes these accounts from my credit report. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX Account Number : XXXX Amount : {$3700.00} Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

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 2025-02-25 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:
I recently discovered several unauthorized accounts on my credit report, indicating potential identity theft, as I never approved these accounts. I previously reported this issue and now formally request their immediate removal. These inaccuracies are causing significant distress, as they misrepresent my credit history and financial responsibility. Resolving this matter has been challenging, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These errors are severely impacting my ability to achieve key financial goals, such as purchasing a home and supporting my family. I urge you to resolve this issue without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently discovered several unauthorized accounts on my credit report, indicating potential identity theft, as I never approved these accounts. I previously reported this issue and now formally request their immediate removal. These inaccuracies are causing significant distress, as they misrepresent my credit history and financial responsibility. Resolving this matter has been challenging, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These errors are severely impacting my ability to achieve key financial goals, such as purchasing a home and supporting my family. I urge you to resolve this issue without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent letters to copy listed below : LVNV LLC ACCT : XXXX Balance : {$610.00} The account above was fraudulently opened. I am a victim of identity theft. I have sent the company a copy of my identity theft report along with the police report. I have spent time typing out letters to send both the company and the XXXX major credit bureaus as well. I have spent time going back and forth to the post office and also finding errors on my credit report. I took time to call all three major credit bureaus multiple times. I took time filling out envelops, printing documents, and sending dispute letters. I also took time filling out certified mail forms and waiting at the post office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
Experian has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies on 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 ( FRCA ), 15 U.S.C. .1681 I, which mandates reasonable investigation into disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C, 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
Incorrect information on credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX : I was never late in XX/XX/XXXX. Please update this account as Paid/Current XXXX XXXX XXXX XXXX : I was never late In XX/XX/XXXX. Please update this account as XXXX XXXX XXXXXXXX XXXX XXXX XXXX I was never late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX [ Credit Bureau Name ] [ Address of the Credit Bureau ] [ City, State, ZIP Code ] Subject : Fraudulent Account Dispute - Request for Immediate Removal of Vehicle Dear [ Credit Bureau Name ], I am writing to dispute the fraudulent account listed under my name involving the vehicle with XXXX ( VIN ) ] and .It has come to my attention that this vehicle was financed using a CPN ( Credit Profile Number ) that was falsely associated with my identity. 

Upon reviewing my credit report, I noticed that this account has been listed under my name and is affecting my credit score. I want to clarify that I have no knowledge of this vehicle loan and did not authorize or apply for credit using the CPN in question. This is clearly a case of identity fraud, and I am requesting that the fraudulent account be removed from my credit report immediately. 

To help with your investigation, I am providing the following details : Vehicle Information : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , if available ] Date of first notice of fraud : XX/XX/XXXX first discovered the fraudulent account ] I request that you conduct a thorough investigation into this matter and take the necessary steps to remove the fraudulent vehicle account from my credit file. Additionally, please send me a copy of the updated credit report after this action has been completed. 



Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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