vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
In XX/XX/year>, I sent a payment via Cash App to an individual based on an arrangement that was not fulfilled. Due to my XXXX XXXX  challenges at the time, I attempted to reverse the transaction, believing it was unjust. I reached out to Cash App for assistance in reversing the payment and may have stated that I didnt recognize the transaction or sent it to the wrong person. 

Instead of receiving support, my Cash App account was deactivated, with the company stating I violated their Terms of Service. Despite multiple attempts to clarify what specific activity violated their policies and to explain my situation, I have not received sufficient information or assistance from Cash App. This deactivation has made it impossible for me to access my account and resolve the situation. 

I feel that Cash Apps response did not consider my XXXX XXXX circumstances and was excessively punitive. I am seeking reinstatement of my account and assistance in resolving the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : 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 2024-10-02 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : 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 2024-10-02 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: MD

Complaint narrative:
My complaint is against Experian and this is not a duplicate complaint. Per 605 b 15 USC 1681 c-2. Experian have refused to block the information that I submitted the company sent me an email requesting ID, ssn card, utility bill etc. Experian already has all of this information but continues to ask for the same thing as a stall tactic. All of the same accounts are still on my consumer file but Experian has sent multiple emails stating " update '' and to check my credit report. Nothing was done every account is still on my credit report. For the record I'm not asking for an updated account! I'm enclosing the generic email that was sent to me. EXPERIAN ALREADY HAS THIS INFORMATION THAT THEY CONTINOUSLY KEEP ASKING FOR!

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 2024-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
When I checked my credit report I saw a collection balance from Eastern Account System regarding a XXXX  Account.I havent had XXXX since the early XXXX.I called to see about the account and its fraud they said they would contact the collection agency to remove the account from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: MO

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment 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. 


XXXX XXXX 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! 


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: AL

Complaint narrative:
I am writing to formally express my deep concern regarding the unresolved inaccuracies on my credit report, which I have previously disputed on multiple occasions. Despite my consistent efforts to request a thorough investigation, the inaccuracies remain uncorrected, and I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file and have created substantial obstacles in my daily life. The negative impact on my financial well-being has caused undue hardship, and I am left with no choice but to urgently request your assistance in rectifying this situation. 

I kindly request that a thorough investigation be conducted into each of the disputed accounts, and that the necessary steps be taken to update and correct my credit report without further delay. Restoring the accuracy of my credit file is imperative, and I hope your team will give this matter the attention it deserves. 

Your prompt cooperation in resolving this issue would be greatly appreciated. I trust that, with your help, I can restore the integrity of my credit report and regain control over my financial stability. 

Thank you for your understanding and swift action in addressing this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: MS

Complaint narrative:
According to The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Inaccurate information, including false death reports, must be corrected or deleted. 

I applied for a XXXX XXXX account on XX/XX/year>. I was informed to contact them. Upon contacting them I had to unfreeze my credit report. After I temporarily removed the freeze, I received an email saying that I wasnt approved for the account because based on their internal information and information from XXXX a consumer reporting agency, they believe that the Social Security number used for this application belongs to a deceased individual. This statement is not true!

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 2024-10-02 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: MS

Complaint narrative:
According to The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Inaccurate information, including false death reports, must be corrected or deleted. 

I applied for a XXXX XXXX account on XX/XX/year>. I was informed to contact them. Upon contacting them I had to unfreeze my credit report. After I temporarily removed the freeze, I received an email saying that I wasnt approved for the account because based on their internal information and information from Experian a consumer reporting agency, they believe that the Social Security number used for this application belongs to a deceased individual. This statement is not true!

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 2024-10-02 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: FL

Complaint narrative:
My account with Experianwas never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: FL

Complaint narrative:
Subject : Urgent : Fraudulent Loan Dispute ( Account Number : XXXX ) Dear ED Financial Services Team, I hope this message finds you well. I am writing to formally dispute a student loan that has been fraudulently opened in my name under account number XXXX. I have no affiliation with this loan, nor have I authorized its creation. The loan was opened criminally using my identity. 
Here are the pertinent details : Loan Account Number : XXXX Date of Loan Creation : XX/XX/year> Police Report Filed : XXXX XXXX XXXX Florida Police Department Case Number : XXXX FTC Identity Theft Reports : Enclosed, one for ED Financial Services and one for the collection company, XXXX XXXX XXXX XXXX 
I have filed a police report regarding this identity theft and included copies of the Federal Trade Commission identity theft reports for your reference. Please cease all attempts at collection on this account and remove it from my credit report immediately. 
I also request that you : 1. Investigate the origin of this loan.

2. Provide a written statement confirming that the loan will be closed and removed from my credit report.

3. Communicate with the relevant credit bureaus to ensure the removal of this fraudulent account from their records. 
Please confirm receipt of this email and inform me of any further steps needed from my side. I appreciate your prompt attention to this serious matter. 
Thank you for your assistance.Please feel free to contact me XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: OK

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-02 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: SC

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I opened a Sephora/Comenity Bank Card in late XXXX. Made two small purchases for less than XXXX and paid the bill for both of them. I was in XXXX directly after making the purchases as in one day later and remained there for almost two months. While in XXXX I attempted to pay the balance on the card but was unable to do so. When I returned from XXXX I promptly paid the entire balance and noticed the late fees were more than what I actually owed. Called the company and they agreed to remove them if I kept the card open, when I refused and wanted it closed they left them on. 

I called last month and demanded that they remove these charges from the account and while they removed some of the late fees, they refused to remove the initial late fee even though I said I was in XXXX and the card itself wouldn't let me make a payment on the balance. 

I want the late fees removed as they are affecting my credit scores.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have noticed that my credit report is inaccurately showing late payment marks that do not reflect my actual payment history. These late payment marks are incorrect, and I have included documentation that supports the timely payments I made during the reported period. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate information on credit reports, and these late payment marks are a violation of that requirement. 

I am requesting that the inaccurate late payment marks be corrected on 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 2024-10-02 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: OK

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I called Newrez on XX/XX/XXXX to recast my mortgage and lower my principal. Rep said it could take up to two weeks. Process started. Almost immediately, I get an email that my password was changed. I can't get back into site. 

I'm moving to my new ( mortgaged ) residence so I don't have time to reset password. Then, wife XXXX XXXX on Saturday, XX/XX/XXXX, and we spend 3 days in the hospital. Now, on Tuesday, XX/XX/XXXX, I finally try to reset my password and it says my Password reset is denied and must be reset by an Administrator. 

I call Cust. Service and Rep is baffled by how my SS # has been disassociated from my account. She can not fix it, but submits a trouble ticket to IT. 

Fortunately, she takes my payment over the phone, but tells me that mortgage recasts are now taking at least one month and mine is estimated to complete on XX/XX/XXXX. She sees that my Recast Application was started on XX/XX/XXXX when I called in one week prior. 

That leaves me with a second XXXX payment on a XXXX mortgage that I am not ALLOWED to reduce the principal. 

This is ridiculous and stinks of incompetence that I get locked out of my own account and can not reduce my mortgage principal in a matter of a few working days. 

I am forced to make additional high payments of XXXX, because Newrez is unable to process my mortgage principal recast in a few working days.

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 2024-10-02 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: GA

Complaint narrative:
Upon reviewing my credit report, I identified various billing mistakes, especially in relation to late payments that don't reflect my typical payment 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