vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: MA

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/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!

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 2025-04-04 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: SC

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX XXXX BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMAION ON MY CREDIT REPORT CORRECTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

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!

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 2025-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: TX

Complaint narrative:
Told at the beginning of XXXX that my loans would start in XXXX of XXXX. Applied for XXXX and consolidation, consolidation approved. XXXX not approved although I submitted it the same day I did the consolidation form. Told out of the blue my payments were due in 7 days, {$1400.00}. Greater than 20 % of my paycheck a month and also supposed to be given forbearance due to in able to process my XXXX application. Requested information multiple times with no communication until the bill came in the mail. Now Im on the phone on hold for XXXX hours. I am a resident physician who has patients to take care of and unable to afford the education I received or even discuss options to pay for said education due to the ridiculous excuse of a loan servicing agency. Utterly disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 to be removed/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!

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 2025-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
E-mail sent from Treasury XXXX. Bank refused to medallion stamp document is attached. 

From : XXXX XXXX Sent : Tuesday, XX/XX/year> XXXX AM To : XXXX XXXX Subject : A Message from TreasuryDirect Dear Account Holder, Thank you for opening a TreasuryDirect account. Your new account number is XXXX. 

When you log into your account the first time, you will receive an e-mail with the one-time passcode and further instructions. Once logged in, you should check the Investor XXXX section of your XXXX account for an important message. 

Please note that we are having difficulty verifying the bank information you provided when opening your account. 

You should verify with your bank all bank information that you enter into your XXXX account or provide on any Treasury form. You must be named on the bank account and the bank account must accept debits and credits by XXXX. 

If you determine you provided incorrect bank information or are not named on the bank account that you provided, please log into your TreasuryDirect account and add new bank information by following the instructions " How do I add or edit a bank account '' at XXXX : //www.treasurydirect.gov/indiv/help/treasurydirect-help/how-do-i/ If the bank verifies the information you originally provided is correct and you are named on the bank account, then, for your protection, please complete section XXXX - Account Information and section XXXX - Add Bank Information XXXX XXXX XXXX XXXX and Bank XXXX XXXX XXXX XXXX FS Form XXXX ), https : XXXX, with your bank information. The form will also need to be signed and certified under section XXXX - Signatures and Certifications. 

Please mail the completed form to : Treasury XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX You will not be able to use this bank account until its been verified. After we receive the XXXX XXXX and Bank XXXX XXXX form ( FS Form XXXX ), we will notify you if the bank account has been verified and the hold has been removed from the bank account in your TreasuryDirect account. 

To ensure continued delivery of XXXX related information to your inbox, please add the " From '' address XXXX to your address book. 

Thank you for using XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 XXXX XXXX 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX Bank Delaware The same account shows inconsistent and conflicting information across XXXX Equifax-generated reports ( AnnualCreditReport.com and CheckFreeScore.com ). 

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that this account be manually verified with the original creditor and that a full explanation of the process be provided.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : I request a full reinvestigation and correction of any inaccurate or outdated information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : If the account can not be verified, it must be removed.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) ) : The creditor must ensure the information is accurate. If not, it must be deleted.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inconsistencies between the two versions of the Equifax report suggest failure to maintain accuracy.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that all accesses were legitimate.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : The account is inaccurately reported despite being resolved. 

Additionally, I am attaching a debt satisfaction letter from XXXX Bank Delaware showing that this debt of {$960.00} was paid in full. However, Equifax continues to report the account as a charge-off with negative impact, including a historical balance of {$520.00} in 2024, even though the account is closed. 

Supporting Case Law : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Dennis v. BEH-1 , LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-05 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-04 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: CO

Complaint narrative:
I disagree with the account listed below which still appears on my credit report as a late payment even after your investigation and reinvestigation you neglected to protect my consumer rights, when the following payment wasnt nor wasnt 30 days late when they XXXX neglected to charge payment on the payment due date during the COVID PANDEMIC, I would like this late payment removed immediately and UPDATED AS NEVER LATE AND ON TIME PAYMENTS, The inaccuracies are highly injurious to my credit score ( account name XXXX, account number # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, The account needs to be updated as ON TIME PAYMENT NEVER LATE ON my credit report immediately due to not properly validating the information in which a company has passed to you please update it immediately when the requested above updates are made please mail me an updated copy of my credit report.

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 2025-04-04 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: CO

Complaint narrative:
I disagree with the account listed below which still appears on my credit report as a late payment even after your investigation and reinvestigation you neglected to protect my consumer rights, when the following payment wasnt nor wasnt 30 days late when they XXXX neglected to charge payment on the payment due date during the COVID PANDEMIC, I would like this late payment removed immediately and UPDATED AS NEVER LATE AND ON TIME PAYMENTS, The inaccuracies are highly injurious to my credit score ( account name XXXX, account number # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, The account needs to be updated as ON TIME PAYMENT NEVER LATE ON my credit report immediately due to not properly validating the information in which a company has passed to you please update it immediately when the requested above updates are made please mail me an updated copy of my credit report.

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 2025-04-04 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and XXXX credit report : XXXX Account XXXX Open date : XX/XX/XXXXXXXX XXXX ACCOUNT XXXX Open date : 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 2025-04-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: NC

Complaint narrative:
XX/XX/year> XX/XX/year> XXXX for the entire month of XXXX Each time Selene Finance would not respond or provide requested payoff information and would not accept payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I was on XXXX XXXX when I saw a 30 day late payment ftom TD Bank. I immediately contacted them because since I have never received any statements I set the account up for XXXX immediately ; I was never informed that auto pay was deactivated and I communicated that I have never received any statements or payment notifications from them and payments were made on time prior. Also the associates were rude and not knowledgeable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
On XX/XX/year>, I requested this information and still have not recieved details of any kind. XXXX investigation reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: MO

Complaint narrative:
In XX/XX/year> I requested my account be reviewed for accuracy. Not even a whole week later the company stated the info has to be fraudulent. Which was admitting to the info not being mine. On account XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve 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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I used XXXX to send {$1600.00} to someone. XXXX charged me a {$1600.00} 3 times. While I was refunded twice, my account was over drafted twice because of their error. It has been over XXXX weeks and my recipient has failed to receive the money. XXXX has admitted they have no idea where my money is. At this point I get hung up on every time I call and inquire as to what is going on. XXXX used to trust worthy, not anymore. 

They also authorized a refund and is still pending but I never asked for a refund. This caused my receipt to have {$1600.00} to his account! So HIS account has now been overdrawn. 

This amount of unauthorized transactions that XXXX pushed through is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CL Holdings LLC
State: CA

Complaint narrative:
Original creditor : XXXX Credit Card Debt buyer who is contacting me, XXXX XXXX XXXX Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Debt amount : {$690.00} & another account with the same account number in the amount of {$490.00} According to 15. U.S.C 1692 ( C ) you have violated my rights by unlawful communication. please remove this collection off of my credit report thank you.

According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see validated proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of validated proof, you must remove the accounts listed below. 

Account # XXXX I demand the following accounts to be validated or removed immediately.

Company response to consumer: Closed with explanation