vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my numerous submissions, XXXX, Experian, and XXXX respond within 24 hours stating the account is accurate. All I am asking for is the Purchase Agreement, Bill of Sale, and Sale Data File. I recently attached a copy of the XXXX XXXX document where XXXX XXXX XXXX took me to court and was later Dismissed without Prejudice. I am prepared to send a copy of the paperwork to CFPB. If you are reporting these accounts to any credit reporting agency, under the Fair Credit Reporting Act ( 15 U.S.C 1681B ), you must verify this debt to these agencies upon request.

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: DE

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-20 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: OK

Complaint narrative:
My account with XXXX XXXXXXXX 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 reported in 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. XXXX XXXXXXXX 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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/25 I entered Truist Bank to cash a settlement check received from my attorney XXXX XXXX XXXX XXXX for a lawsuit settlement against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the death of my son at a XXXXXXXX XXXX XXXX. The check was written on a Truist Account and was verified and cashed by Truist bank XXXX. I then decided to open an account with Truist and deposited {$10000.00} into a checking account. Truist has restricted my account for fraudulent activity. No transactions or withdrawals have been made since the initial deposit. This seems to be fraud on Truists part and I plan to file a lawsuit against this bank and want my account unrestricted immediately

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: OK

Complaint narrative:
My tax refund was deposited into my credit karma spend account. Hours later it was completely drained by XXXX sites and many things. When I reported it I was faced with blame and interrogation. This refund was for me and my daughter and to get caught up on bills. They also refuse to let me have a virtual card and cant give me a straight answer. Also tell me maybe Ill get my provisional credit and maybe my money back. Ive been bawling this ruined my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
i asked them to send me original signed contract with proof of me defaulting on my secured account secured by my money

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 2025-02-21 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: TX

Complaint narrative:
i asked them to send me original signed contract with proof of me defaulting on my secured account secured by my money

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 2025-02-21 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:
I am formally disputing the INACCURATE reporting of my XXXX XXXX account ( XXXX ) ON BEHALF OF EQUIFAX due to severe inconsistencies between Equifax XXXX XXXX, and XXXX XXXX These contradictions prove that none of the reports are reliable or verifiable, and therefore, continued reporting of this account is a violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

Disputed Inconsistencies Requiring Immediate Deletion : Payment History Discrepancies : Equifax falsely reports OK ( on-time payments ) from XX/XX/XXXX to XX/XX/XXXX, even though XXXX and XXXX both indicate delinquency and charge-off. 
Since Equifax contradicts both XXXX and XXXX, this payment history can not be trusted and must be deleted. 

Last Payment Date Conflict : Equifax lists my last payment as XX/XX/XXXX. 
XXXX and XXXX both report XX/XX/XXXX. 
Since the dates do not match across the three bureaus, it is clear that this information is unverifiable and must be deleted. 
Charge-Off Date Issue : XXXX and XXXX report a charge-off period, yet Equifax falsely indicates on-time payments during that same period.

If Equifax can not verify the exact, correct date of the charge-off, this account must be deleted.

Under 15 U.S.C. 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy. The inconsistencies between Equifax, XXXX, and XXXX prove that Equifax has failed in this duty. 

Under 15 U.S.C. 1681i ( a ), if the information is inaccurate, incomplete, or can not be verified, it must be deleted within 30 days. Since Equifaxs reporting directly contradicts both XXXX and XXXX, it is clear that the account can not be verified and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: AZ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-21 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: IL

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 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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XXXX I filled a dispute on this account through all 3 Credit Bureau 's as well as with CFPB I did get a response in regards to the issue and was told to report the issue to IdentityTheft.gov so I have just completed my report with Identity Theft XXXX  and I and uploading a copy of the report / XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: CL Holdings LLC
State: IN

Complaint narrative:
XXXX I filled a dispute on this account through all XXXX Credit Bureau 's as well as with CFPB I did get a response in regards to the issue and was told to report the issue to IdentityTheft.gov so I have just completed my report with Identity Theft XXXX and I and uploading a copy of the report / XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: The Receivable Management Services LLC
State: IN

Complaint narrative:
XXXX I filled a dispute on this account through all XXXX Credit Bureau 's as well as with CFPB I did get a response in regards to the issue and was told to report the issue to IdentityTheft.gov so I have just completed my report with Identity Theft org and I and uploading a copy of the report / N.o.

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 2025-02-20 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: NY

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. Accordingto the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. 
Im working on improving my credit, but this account XXXX  XXXX XXXX  XXXX with number XXXX is showing a rating of CollectionOrChargeOff on my report, and its not accurate. You have it listed as opened on XXXX with the last activity on XXXX, but thats just not correct.This is really standing in the way of my goals, like buying a new home or qualifying for a better credit card. Can you delete this account and send me proof that I owe {$3600.00}? XXXX sure I dont owe anything. 
I appreciate your help in fixing this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. Accordingto the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. 
Im working on improving my credit, but this account XXXX  XXXX XXXX  XXXX with number XXXX is showing a rating of CollectionOrChargeOff on my report, and its not accurate. You have it listed as opened on XXXX with the last activity on XXXX, but thats just not correct.This is really standing in the way of my goals, like buying a new home or qualifying for a better credit card. Can you delete this account and send me proof that I owe {$3600.00}? XXXX sure I dont owe anything. 
I appreciate your help in fixing this!

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 2025-02-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Called Experian CREDIT REPORTING Agency, THAT THERE WEBSITE IS NOT ALLOWING YOU TO SUBMIT A DISPUTE REGARDING COLLECTION ON MY REPORT. AS PER THERE REPRESENTATIVE THE WEBSITE NOR THERE COMPANY IS NOT ACCEPTING ANY DISPUTE AT THE PRESENT TIME. TO CALL BACK IN 7 DAYS OR MORE.

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My sister-in-law XXXX in a car accident on XX/XX/XXXX. On The XXXX of XX/XX/year> she recieved a check XXXX XXXX {$4000.00}. She didnt have a bank account and so she signed the check over to me and deposit into my account. The insurance company Which also Banks at the same bank. For some reason the insurance company sent out 2 checks.Well after this stop payment. 
They froze or restricted my account For fraudulent activity. And In the meantime, I went into a local branch I talked to some guy, he talked to the fraud department, they lifted the restriction. I deposited money into my account so that it was out of the negative cause i also had a service fee like XXXX negitive and deposited the second Insurance. That check went through But in the meantime they closed my account for fraudulent activity and they are holding the check For a third party verification. My sister-in-law went and turned her phone service on because she hadn't had phone service, she used my cell phone And they said it still did not come back to her name And can not verify her. And then after that, Uh, I called the bank for our department. Again, they told me to have the company, put a recall on the check and then after the recall was, put on the check, that they would be able to Resend the new checkch and that did not happen either. Because the insurance company said that the bank was showing that the check was paid, so they couldn't issue one. So now I'm at the point where I don't have any way to verify my sister-in-law 's identity, My bank account has now been closed. 
And they are said that they are holding the XXXX XXXX dollars. Until the phone verification can be done, but it's not possible to be done. We offered every possible solution and they're saying that the phone verification is the only way.to release the check that says it's been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash app ( Block, Inc. ) due to quate 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