vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, FL XXXX XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : FORMAL FCRA DISPUTE INACCURATE LATE PAYMENT REPORTING Creditor : XXXX  Account Number : XXXX Dear Equifax Dispute Department, I am formally disputing the accuracy of a derogatory entry on my Equifax credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The disputed item involves a reported 30-day late payment in XX/XX/year> on the above-referenced account held with XXXX. 
I assert that this information is factually incorrect, harmful to my credit standing, and was not properly verified prior to being reported. As such, I am demanding a full reinvestigation under your legal obligations established in 15 U.S.C. 1681i ( a ). 
As part of this reinvestigation, I request that Equifax : 1. Contact XXXX and obtain documented evidence of the alleged delinquency, including : o The individual or automated system that submitted or verified the information ; o The reporting method and date used ; o Full billing records and payment logs from the period in question ; o Any relevant correspondence between me and XXXX concerning this matter. 
2. Disclose whether verification was conducted via ACDV ( Automated Consumer Dispute Verification ) or through manual procedures. 
3. Provide me with a copy of any documentation used by the furnisher to support the XX/XX/year> delinquency, in compliance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
If XXXX fails to provide timely and verifiable documentation supporting the accuracy of the reported late payment, you are legally obligated to delete this information from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
Please be advised that continued reporting of unverifiable or inaccurate data is considered willful or negligent noncompliance with the FCRA, which may expose both your bureau and the data furnisher to civil liability under 15 U.S.C. 1681n and 1681o. 
This is a factual dispute, not a goodwill or subjective matter. I expect your full compliance with the FCRA and a detailed response within 30 calendar days as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 formally address concerns regarding potential fraud resulting from a national data breach in which my personal information was compromised. Upon reviewing my credit reports, I discovered several unfamiliar accounts that I did not open or authorize. 

To resolve this matter, I have already : Requested debt validation from the XXXX XXXX XXXX ( CRAs ), but they have failed to provide sufficient documentation. 
Filed an FTC complaint ( attached ) regarding these suspicious accounts. 
Supporting Documentation Attached : Copy of my government-issued ID ( for verification ) Copy of my FTC complaint XXXX XXXX Breach Report ( NPD ) confirming my information was exposed Debt validation request letter previously submitted Action Requested : A full investigation into these disputed accounts. 
Removal of any unverified or fraudulent accounts from my credit file under FCRA XXXX. 
Written confirmation once this dispute has been resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Attempts to collect a balance that does not belong to me. Please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
When I bought my laptop from the XXXX store website 3 years ago XX/XX/2021. I was given a couple of options for financing with a 0 % XXXX rate for 3 years with a monthly payment amount which I payed every month without missing a single month. All of a sudden I saw a huge interest charged by CITI card ( Best Buy ) about XXXX dollars in interest was charged. I am having difficulty paying it off but my total purchase was only XXXX dollars. Moreover, this required two clicks for me on the best buy website and I tried calling them and asking to talk to a manager department but my phone call was automatically cancelled. This is the first time this is happening to me and they have not worked out anything for me. I hope this is a learning lesson and no one falls for the Deferred interest in the future. My finances are completely ruined due to this predatory practice where they want even take my call.

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 monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Request action regarding a lein release FROM XXXX XXXX XXXX XXXX which was bought out by Bank of America XXXX bank. Payoff year XX/XX/XXXX. 
Purchase date XX/XX/XXXX. 

Do not have pink slip or proof of payoff eventhough it was paid off. Made several attempts to Bank of America but they have no record or accounts. We need a release to be able to eventually sell the mobile home in the future.

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MT

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: IN

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 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 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 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 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 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 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

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Several unauthorized hard inquiries have appeared on my credit report without my knowledge or consent. These inquiries were not initiated by me, nor did I provide any written or electronic authorization for them. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), there must be a permissible purpose for any hard inquiry, none of which exists in these cases. 

Inquiries I am disputing include : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX I contacted TransUnion and demanded a full investigation and validation of each of these inquiries. I asked them to provide : The name, address, and phone number of each entity that placed the inquiry Any documentation proving I initiated or authorized these inquiries Copies of signed applications or consent forms, if any exist I specifically cited my rights under FCRA 604, 611 ( a ) ( 5 ) ( A ), and 611 ( a ) ( 6 ) ( B ) ( iii ) in my formal dispute letter. I made it clear that failure to remove unverifiable or unauthorized inquiries would result in complaints to regulators and possible legal action under FCRA 616 and 617. 

To date, no adequate explanation or proof of authorization has been provided. These inquiries have negatively impacted my credit profile and were made without a valid or legal reason. I am requesting immediate CFPB involvement to ensure these unauthorized inquiries are investigated, validated, or deleted, and that TransUnion and the involved creditors are held accountable for their noncompliance with federal 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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I booked a round-trip flight from XXXX airport XXXX XXXX with XXXX XXXX XXXX XXXX scheduled for return on XX/XX/year>. Due to changes made by the airline, my return flight was rescheduled to XX/XX/year>. Throughout this process, my trip was interrupted and altered multiple times. I have provided all relevant documentation to Chase Benefit Services, including a letter confirming the cancellation from the booking site. 

To my dismay, my claim was denied on the grounds that I allegedly canceled the trip myself. This assertion is incorrect, as the changes were initiated by the airline, not by me. I am seeking a refund for my trip based on the disruptions and cancellations I experienced, which should be covered under the benefits of my card. 

I request that my case be re-evaluated, taking into consideration the documentation I have provided, which clearly indicates that the trip cancellation was not of my doing. I trust that Chase will uphold its commitment to cardholder benefits by resolving this matter promptly and fairly. 

Thank you for addressing this issue. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MA

Complaint narrative:
I can't believe it! I checked my credit report and there are a bunch of strange inquiries, and it turns out someone is trying to open credit cards in my name. This is full-blown identity theft! I havent authorized anything, havent applied for any cards, and now XXXX seriously worried that this person is out there getting into debt using my personal information. I have no idea how they got my data, but this has me completely stressed out. Its a total nightmare!. 
The accounts are : XXXX. XXXX Account # : XXXX ; Date opened XX/XX/XXXX. 
XXXX. XXXX XXXX Account # : XXXX ; Date opened XX/XX/XXXX XXXX. XXXX Account # : XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX - XXXX BANK Account # : XXXX. Date opened XX/XX/XXXX. 
XXXX XXXX BANK XXXX Account XXXX : XXXX ; XX/XX/XXXX. 
XXXX. XXXX BANK XXXX Account # : XXXX XX/XX/XXXX. 

The inquiries are : XXXX. XXXX XXXX XXXX XX/XX/XXXX. 
XXXX. XXXX OF XXXX Inquiried on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present on all my consumer report any variation or misspelling of this name must be removed. XXXX XXXX XXXX these names must be removed. Addresses. Only the address XXXX XXXX XXXX, XXXX Should be present on my consumer report. Any other addresses are inaccurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses. The following addresses must be removed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXthese address must be removed immediately In the birthdate/year of birth field YEAR OF BIRTH XXXXXXXX  this is incorrect and incomplete. I would like this inaccurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present on all my consumer report any variation or misspelling of this name must be removed. XXXX XXXX XXXX these names must be removed. Addresses. Only the address XXXX XXXX XXXX, XXXX Should be present on my consumer report. Any other addresses are inaccurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses. The following addresses must be removed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXthese address must be removed immediately In the birthdate/year of birth field YEAR OF BIRTH XXXXXXXX  this is incorrect and incomplete. I would like this inaccurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from 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 2025-05-14 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:
My personal information has been exposed in a National Data Breach. Subsequently while reviewing my report, I'm unfamiliar with several accounts. I have asked the Credit Reporting Agency for validation of debt although the information has not been provided. 

I have attached the following documents due to exposure and submitted an FTC complaint in regard to reporting the information. 

* DATA BREACH DOCUMENTATION * SS CARD and ID * VALADATION LETTER * FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: LA

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 2025-05-14 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: FL

Complaint narrative:
I recently reviewed my credit report and was shocked to find a hard inquiry that I did not authorize. This inquiry was done onlinewithout my knowledge or consentand it is completely fraudulent. 

I want to be absolutely clear : I did not initiate this, I did not approve it, and I had no part in this inquiry being made. It should have never appeared on my report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I had a former room mate that used my credit info and personal info to open accounts that are not mine. I want to remove these things from my credit report because they are not mine. Please do this dispute the right way, like the CFPB lawsuit says you have not been doing. Thank you.

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 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have been paying on my loan monthly for more than 10 years and the amount owed is even hire than when I began paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Klarna AB
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint regarding Klarna and a debt collection agency acting on their behalf. 

When I was XXXX XXXX XXXX, Klarna approved me for purchases through their platform. At that time, I was a minor and not legally permitted to enter into a binding financial contract under XXXX law. Klarna failed to verify my age or legal eligibility, and therefore, their approval of my account was both irresponsible and legally invalid. 

Due to being underage and not having a stable income, I was unable to make my final payment. Instead of addressing the situation appropriately, Klarna sent the account to debt XXXX who began repeatedly calling my phone, demanding immediate payment. The calls became so frequent and distressing that I was forced to change my phone number to avoid further harassment. 

This debt is legally invalid, as the agreement was made when I was a minor and could not lawfully consent.

Company response to consumer: Closed with explanation