vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: NV

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor 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 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
Per the FCRA as a federally protected consumer I am opting out of any and all authorization to report any information on my consumer report. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. The Privacy Act of 1974 ( 5 U.S.C. 552a ) is a United States federal law that establishes a Code of Fair Information Practice governing the collection, maintenance, use, and dissemination of personally identifiable information by federal agencies. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. 15 U.S. Code 6805- Enforcement. Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 2025-06-10 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 2025-06-10 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. accounts in questions are XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Subject : Complaint Regarding Withheld Cashback and Unjustified Account Termination Upgrade, Inc. XXXX XXXX XXXX XXXX XXXX : Upgrade , Inc . 
Bank Partner : XXXX XXXX XXXX  Complainant Name : XXXX XXXX Dear CFPB, I am filing this complaint against Upgrade , Inc. and its partner bank, XXXX XXXX XXXX regarding the sudden closure of my account and the subsequent refusal to disburse {$38.00} in earned cashback rewards, which were in my account at the time of termination. 

On XX/XX/year>, I was notified by Upgrade that my account would be terminated. They stated that the account had a positive balance and requested disbursement instructions. However, despite fulfilling my obligations and reaching out with those instructions, Upgrade has since refused to release the {$38.00} cashback I earned prior to termination. 

On XX/XX/year>, I received a message from Upgrades support team informing me that due to the account being suspended, I was now ineligible to receive cashback, citing internal policy. I believe this retroactive disqualification is unfair, arbitrary, and misleading, as I had already earned the cashback prior to the account closure. 

This policy was not transparently disclosed and feels punitive, especially as I was not given a clear reason for the account termination to begin with. I fulfilled all account requirements in good faith and earned the cashback legitimately. 

I respectfully request that the

CFPB investigate and hold Upgrade and XXXX XXXX XXXX accountable for honoring the full disbursement of earned rewards, and to review the clarity and fairness of their account closure and rewards forfeiture policies. Thank you for your attention to this matter. Supporting documentation is available upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
The fraudulent activity reported does not belong to me, and I believe this data was either incorrectly attributed or is the result of identity theft. I kindly request that you investigate this matter promptly and, if the information is found to be inaccurate or unverifiable, that it be corrected or removed from my credit report as required by 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 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX XXXX  - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one took {$100.00} from my checking account to make a payment unauthorized to my credit card. The late fees in the interest fees are outrageous. Please investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I respectfully submit this supplemental filing to my pending complaint filed on XX/XX/year> regarding Citibank, N.A.s improper withholding of funds ( CFPB COMPLAINT ID XXXX ). 

On XX/XX/year>, I sent Citibank a formal Demand for Disclosure of Internal Compliance Findings ( attached ), requesting written confirmation of whether the bank is relying on any internal compliance findings ( such as a Suspicious Activity Report ( SAR ), or internal committee determinations ) as the basis for blocking or conditioning release of my funds. 

Rather than respond to this specific and reasonable demand, Citibank issued a generic letter on XX/XX/year> ( also attached ), which : Merely repeated its prior position ( requiring a recall and indemnity from the originating bank ) ; Made no reference whatsoever to my XX/XX/XXXX Demand for Disclosure ; Improperly asserted that the matter is now " resolved '' and that Citibank will not further respond, despite the fact that formal regulatory complaints are currently pending. 

This refusal to engage with a good-faith Demand for Disclosure of the basis for its actions is deeply concerning and, I believe, further evidence of Citibanks unwillingness to provide lawful justification for its conduct.

I request that the [ CFPB ] consider this supplemental filing in its review of my complaint and take appropriate action to ensure that Citibank complies with its regulatory obligations and provides full transparency regarding the basis for its actions.

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 2025-06-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Several companies accessed my credit report without my authorization, damaging both my credit and score. Despite assurances from the credit agency that these inquiries would be removed, they remain. These unauthorized and potentially fraudulent entries raise serious concerns about identity theft and continue to cause significant stress and harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: DC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business 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 2025-06-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: OH

Complaint narrative:
National Enterprise Systems Headquarters : XXXX XXXX XXXX XXXX XXXX XXXX Additional Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute of Private Student Loans Related to XXXX XXXX XXXX To Whom It May Concern : I am writing to follow up on the formal dispute package I submitted to your office on XX/XX/year>, regarding private student loans associated with XXXX XXXX XXXX. According to delivery records, the package was received and signed for by a representative of your organization. However, I have received no communication from National Enterprise Systems regarding this dispute since that date. This lack of acknowledgment or response is unacceptable and requires immediate attention. 

As you are no doubt aware, XXXX XXXX XXXX was the subject of extensive federal investigations and legal action due to its fraudulent and predatory practices. The U.S. Department of Education has discharged billions of dollars in federal loans for former XXXX students, and several legal settlements have similarly addressed abuses in the private lending market. Like thousands of other borrowers, I was misled about program quality, job prospects, and the true cost and terms of my loans. I am formally stating that all of the XXXX-related loans I am disputing are fraudulent in nature and are over XXXX XXXX XXXX. The resulting financial harm is significant and ongoing. 

Despite their illegitimacy and age, your organization continues to report these debts, which has unjustly damaged my credit. These accounts are not only unenforceable but have also caused me undue harm by lowering my credit score and affecting my access to housing, employment, and fair financial services. This injury is both preventable and indefensible and must be remedied 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 2025-06-10 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a Form 1099-C from Citibank indicating that the Macys Credit Card account was cancelled and reported to the IRS as income. However, this same account continues to be reported as an outstanding delinquent or charged-off debt on my credit reports with the XXXX major credit bureaus ( Equifax, Experian, TransUnion ) XXXX 

This is causing harm to my credit profile and may be in violation of the Fair Credit Reporting Act ( FCRA ) and IRS guidelines. If the debt was indeed cancelled and reported to the IRS, it should no longer be reported as collectible or delinquent on my credit report.

I have contacted the creditor, but the issue remains unresolved.

Resolution Requested : Immediate correction or removal of the account from my credit report, or at minimum, proper updating to reflect the debt as cancelled and {$0.00} balance owed. 

Investigation into whether the creditor is complying with federal reporting guidelines. 

I have attached supporting documents including a copy of the 1099-C and my recent credit report ( XXXX ) showing the continued reporting.

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 2025-06-10 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 am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-10 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-06-10 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:
This complaint is not submitted in error. My credit report contains inaccurate information that violates the standard of maximum possible accuracy. These reporting errors are causing ongoing harm to my financial stability and personal well-being, placing an undue burden on me during an already difficult time. I expect this to be addressed 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 2025-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This is the second time filing this same complaint with CFPB and the fourth time reaching out to National credit systems. Reached out XX/XX/XXXX, no response followed back up XX/XX/XXXX, No response XX/XX/XXXX, No response again on XX/XX/XXXX, and again no response. The amount went from XXXX to XXXX.

Company response to consumer: Closed with explanation