vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My account 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.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
XXXX XXXX. Better known is cash app XXXX Take XXXX From my account At that time I could not contact anyone only AI. So I got a new cash app I Had another problem with cash app in XXXX About a {$100.00}. 
They gave me a phone number to call And they got my social security number and they're.My social security number was on the XXXX dark web

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: OR

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX and TransUnion complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: OR

Complaint narrative:
I am filing a complaint against XXXX, Experian, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Experian and XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
FIRST NAME : 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 XXXX XXXX XXXX XXXX  I am writing to ensure that my personal information is accurately recorded in your system. Please see my details above for your reference. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
There are multiple late payments incorrectly reported by these creditors to Equifax, which is deeply frustrating. These payments were made on time, yet they continue to appear as late on my credit report. This inaccurate reporting is unfair and is negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CT

Complaint narrative:
please remove the following incorrect info from my credit report : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment Information : XXXX XXXX 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 2025-01-31 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:
I recently found that there are fraudulent accounts and errors 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 2025-01-31 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Chases Deceptive Dispute Practices Lack of Transparency in Chargeback Process To Whom It May Concern, I am writing to formally raise concerns about Chases handling of credit card disputes, specifically the lack of transparency regarding customers rights in the dispute process. 

I initiated a dispute against a merchant, and after the merchant responded, I was asked to provide additional information, which I did. However, instead of moving the case to pre-arbitration or arbitration, Chase unilaterally decided in favor of the merchant. 

In the letter I received on XX/XX/year>, Chase failed to disclose any options for continuing the dispute or appealing the decision. The letter was worded in a way that suggested the decision was final, without any mention of further recourse, effectively misleading customers about their rights under the chargeback process. 

Chase must cease these deceptive practices and provide clear, transparent information to cardholders regarding their right to appeal, escalate, and continue the dispute process, including arbitration if applicable. Customers deserve fair treatment and full disclosure of their rights when engaging in the dispute resolution process. 

I urge Chase to take immediate action to address this issue and ensure that all dispute resolution communications are clear, accurate, and in full compliance with consumer protection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I am writing to address a serious issue with my credit report. It appears that an account belonging to someone else has been mixed with my credit information. This is not my account, and it is negatively affecting 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 2025-01-31 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: TX

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

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-31 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: VA

Complaint narrative:
I am filing this complaint regarding an inaccurate collection account under XXXX for {$1000.00} that is negatively impacting my credit. This item is not an account I am responsible for, yet it remains on my credit report despite my efforts to dispute it.

I have submitted multiple disputes to Experian requesting a proper investigation into this inaccuracy. However, Experian continues to verify the account as accurate within 24 hours, without providing any evidence of a reasonable investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a thorough and reasonable review of disputed information. Furthermore, Experians failure to conduct a proper investigation may also violate
the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as seen in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Experian for similar violations.

I request that the CFPB take action to ensure Experian complies with federal law by conducting a legitimate investigation and providing the necessary proof. Additionally, I request the immediate removal of this inaccurate item from my credit report, as it does not reflect my true credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I came across the CFPB Experian lawsuit. And I feel that i was negatively impacted, and this is hurting my chances at receiving housing and credit after receiving a response to my earlier dispute that the accounts were " verified '' complaint number- 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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I made an ATM cash deposit on XX/XX/XXXX at XXXX cst. and the ATM machine became inoperable during my transaction. I deposited {$690.00} cash and the ATM spit back {$200.00}. Then the ATM showed on the screen my deposit was complete but never gave a receipt. I knew the deposit did not go through because at the end of depositing cash it tells you how many bills were deposited and the amount you deposited. I did not get that. Also, I get alerts on my phone whenever I deposit or withdraw money from my account. I did not receive any alerts. The ATM went back to the home screen before I exited, so I tried to deposit the {$200.00} cash it gave back to me. The only option it gave was to deposit checks and NOT cash. So I tried to withdraw money and I was not able to because, of course, the cash slot wasn't operable. The branch was closed so I was not able to go inside to get help. When I tried to call all the numbers given in the mobile app, all lines were closed. So the next day, XX/XX/XXXX at XXXX cst, I called the customer service number and filed the dispute. I received a letter dated, XX/XX/XXXX, stating " Our research indicated that the ATM was balanced and didn't show a difference that matched the amount you disputed. As a result of our research, the temporary credit of {$490.00} we issued to your account will be reversed XX/XX/XXXX. '' I have banked with Fifth Third Bank for more than 10 years and I have over {$2500.00} deposited into this bank every 2 weeks. I have no reason to lie about depositing {$490.00} of my hard earned working money and I also do not have {$490.00} to just forget about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: LA

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Subject : URGENT DISPUTE DEMAND DELETION OF INACCURATE CREDIT LINE ACCOUNTS ( XXXX / XXXX ) ** Violations : FCRA 607 ( b ), 611 ( c ), XXXX XXXX XXXX XXXX To Whom It May Concern : I demand the immediate deletion of the inaccurate credit line accounts ( TransUnion : XXXX ; XXXX : XXXX XXXX from my credit files. These accounts contain provable inaccuracies violating federal and Texas law. Failure to comply will result in legal action and regulatory escalation. 

Critical Errors & Violations Future-Dated Reporting : Last Reported Date : XX/XX/XXXX ( TransUnion/Experian ) and XX/XX/XXXX ( XXXX ) future dates XXXX of today. 

Payment History : Shows activity for XX/XX/XXXX, which has not yet occurred ( e.g., TransUnion : " OK '' in XX/XX/XXXX ; XXXX : " OK '' in XX/XX/XXXX ). 

Inconsistent Reporting : High Credit : XXXX ( T r a n s U n i o n / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion/XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

Date Last Active : XX/XX/XXXX ( TransUnion ) vs. XX/XX/XXXX ( XXXX ). 

Illogical Account Status : Listed as Open with a {$0.00} balance and no recent activity ( last payment : XX/XX/XXXX ). 

FCRA 611 ( c ) Violation : If these accounts were previously deleted and reinserted, you failed to notify me in writing within 5 days. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) : Misrepresenting account details ( e.g., future dates, inconsistent terms ). 

Legal Demands Permanently delete both accounts within 5 business days.

Send written confirmation of deletion and revised credit reports.

Cease all unlawful reporting of these accounts.

Failure to Comply Will Result In : CFPB Complaint : Citing violations of FCRA 607 ( b ) and the CFPBs XXXX Consent Order. 

XXXX  Attorney General Complaint : Under XXXX XXXXXXXX ( statutory damages up to {$20000.00} ). 

Lawsuit : For willful FCRA violations ( up to {$3500.00} + attorney fees ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: NC

Complaint narrative:
Credit Bureau Associates is attempting to collect an erroneous medical debt. They are showing the " last payment date '' as XXXX-XXXX-1999. Under the Fair Credit Reporting Act companies can report debt for XXXX  years from date of last payment. Please immediately remove this erroneous debt from XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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