vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: LA

Complaint narrative:
I have tried to reach out to cash app multiple times about unauthorized transactions I have tried to reach out to cash app about missing money I was never able to get a live representative or get any of my questions answered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On or around XX/XX/XXXX, I made a purchase at Mattress Firm for {$3300.00}. When purchasing the card the store clerk ( not an employee of synchrony bank or a finance professional whatsoever ) offered a promotional " zero '' interest credit card for two years. I accepted the promotion and opened an account with synchrony bank. At no point was I told or adequately explained to that the program was a " deferred interest '' program and that interest would accrue daily on the original purchase price with a lump sum charge at the end of the promotion. Every month for two years, I paid my minimum payment ( and sometimes more ) paying down the balance to {$1500.00}. On XX/XX/XXXX, I was charged the accrued interest of {$2100.00} ( about 63 % of my purchase price and 1.5 times my then balance ). I called Synchrony on XX/XX/XXXX to work out a settlement with the balance, but was refused despite speaking to the highest manager available. 

This experience really opened my eyes to promotional credit card practices. I am not convinced that Mattress Firm/Synchrony Bank did not violate consumer debt laws by deceptively marketing a deferred interest credit card as a " zero '' interest credit card, but even if they did not these practices are incredibly predatory and should be illegal. Young, inexperienced retail store clerks should not be signing people up for thousands of dollars in debt with exorbitant penalties. It should be illegal to charge someone interest on debt that they have technically paid off ( i.e. if I paid 99.9 % of the debt but did not pay the .1 % by the end of the promotional period, I would have still been charged the full {$2100.00} ). I understand that there was a push to make these programs illegal in XXXX, and I believe that push should come back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct reasonable reinvestigation of disputed information on credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Equifax, 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 Equifax 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 Equifaxs inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
The account has been closed since XX/XX/year>2019. A 1099-c was supposed to be issued since the amount discharged was over {$600.00} ( IRS rule ). I am supposed to pay taxes on the amount and cant do so without the bank first issuing a 1099-c.

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 2025-02-19 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
No results in the matter at hand debt was never remove this was a identity theft I never applied for any of this stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX and Upstart both have written off alleged debt on my credit report. Both was asked to provide me with a 1099C as required by law. Its been over 90 days and neither company have responded to my request in XXXX of XXXX. Because of their neglect I am asking both accounts be removed from my credit report. 

Please be advised that Upstart Network Inc., nor can XXXX XXXX can not charge off or write off a debt on my credit report and still report a balance on my report, where it says Closed {$20000.00} written off for upstart, and written off {$3500.00} for XXXX  XXXX. The balance owed must be removed immediately. And 15 U.S. Code 1635, and 15 U.S. Code 1629g says you must delete the charge off from Upstart and XXXX  XXXX because its a confirmed charged off. 
In addition, please have removed all late payments from my credit report from Upstart Network Inc, and XXXX XXXX because they are inaccurately reporting on my credit report, and because of the following laws which validates you must remove them immediately with we have these inaccuracies. 
15 U.S.C.1681i, 15 U.S.C . 1666 and 15 U.S.C.1681s-2 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-19 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$26000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$2900.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}

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 2025-02-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-19 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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. 


EQUIFAX EXPERIAN TRANSUNION 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NC

Complaint narrative:
Upon reviewing my consumer report there is a host of information that does not belong to me, nor ever initiated by myself.

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 2025-02-19 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: Sezzle Inc.
State: FL

Complaint narrative:
The credit card from the creditor on my credit report named like SEZZLE on my credit report on the XXXX, XXXX and XXXX Refuse to close the account and report to the credit bureaus show the account close on the credit agencies Even though the account at my request to closed on XXXX and I contacted them and they said they couldn't do anything, that it wasn't their responsibility and that I should talk to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I complained to Experian that my credit report went from XXXX down to XXXX after I reported to them I had paid off a vehicle in full and before the time was due. Because Experian was too slow in reporting that I had paid the vehicle off in full and before the time was due, apparently the third party that handles their credit reporting by the way is not in the United states, screwed up. There are like XXXX credit inquiries that all have the same date. I mentioned to them that that was totally absurd and inaccurate. I said how could that be over XXXX inquiries with the same date XX/XX/year>. See screenshot? Experian will not fix it nor will they return my credit score back to around XXXX like it was before I let them know I paid the car off. There is no US based help center. Everything is handled overseas XXXX, XXXX you name it XXXX. They are very condescending and rude. I went to the website and complained there and nothing has been fixed in XXXX XXXX time. Experian should be sued and the complainant should be compensated. Not the state not the US government. The complainant.

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 2025-02-19 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: NV

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and TransuniXXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NV

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and TransuniXXXX data breach.

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 2025-02-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report regarding two accounts, and I am requesting immediate removal of these accounts in compliance with the Fair Credit Reporting Act ( FCRA ). The following accounts contain misleading and erroneous information, including late payments and closed account status, despite being fully paid off : Account Number : XXXX Creditor Name : XXXX Status : Closed Disputed Information : This account is incorrectly reporting late payments, even though it has been fully paid off and closed. 

Account Number : XXXX Creditor Name : XXXX XXXX XXXX Status : Closed Disputed Information : This account is also inaccurately reported, and I believe it is showing information that is no longer correct or relevant. 

Both accounts have been fully paid off, yet they continue to report negative information such as late payments and an incorrect status, which is misleading and damaging to my credit score. The inaccurate reporting violates the provisions set forth in the Fair Credit Reporting Act, particularly under the following sections : Section 1681i ( FCRA ) : Under this section, consumers have the right to dispute inaccurate or incomplete information. The credit reporting agencies are required to investigate and correct any inaccurate or unverifiable information upon receiving a dispute. 

Section 1681c ( FCRA ) : This section mandates that outdated or irrelevant information should be excluded from credit reports. Any inaccurate or unverifiable information, including incorrect late payments or closed account statuses, must be removed. 

Section 1681e ( b ) ( FCRA ) : This section ensures that credit reporting agencies maintain the accuracy and fairness of the information they report. The continued reporting of inaccurate data, including late payments on accounts that have been paid off, is a violation of this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXXXXXX XX/XX/year> -- {$26000.00} XXXX XXXX XXXX XXXXXX/XX/year> -- {$2800.00}

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