vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: MD

Complaint narrative:
I looked at my credit report on XX/XX/year> and noticed some things are inaccurate and incomplete. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account : ACCOUNT NAME- XXXX XXXX XXXX account is not complete and is not accurate. 

XXXX XXXX - XXXX open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. On XX/XX/year> I sent a letter requesting for this account to be re-investigated XXXX XXXX XXXX here is my tracking number XXXX. I got the investigation back but noticed nothing was modified or updated. So, I requested a description of the re-investigation and it was not provided to me which is a violation of 15 USC 1681i7

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: SC

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

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

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

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

Account info 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 2025-01-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to bring to your immediate attention the concerning findings upon reviewing my credit report. After a thorough examination, I have discovered a significant amount of inappropriate, misleading, inaccurate, and incomplete information that has been reported. This distressing situation has resulted in potential employers denying my applications, thereby placing my family 's well-being at risk. It is disheartening to realize that the very company entrusted with ensuring accuracy and fairness, as mandated by the Fair Credit Reporting Act under 15 U.S.C. 1681e, has allowed such unacceptable information to be included in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: PA

Complaint narrative:
I am writing to bring to your immediate attention the concerning findings upon reviewing my credit report. After a thorough examination, I have discovered a significant amount of inappropriate, misleading, inaccurate, and incomplete information that has been reported. This distressing situation has resulted in potential employers denying my applications, thereby placing my family 's well-being at risk. It is disheartening to realize that the very company entrusted with ensuring accuracy and fairness, as mandated by the Fair Credit Reporting Act under 15 U.S.C. 1681e, has allowed such unacceptable information to be included 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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Click n' Close, Inc.
State: TX

Complaint narrative:
Hello My husband and I purchased our home in XXXX. I lost the closing documents so that is the reason why I am reviewing them. I noticed on the CD the lender collected 13 months of escrow. I did my research escrow is typically 3-6 months. 13 months of escrow seems excessive to me, I want to make sure the lender or loan officer did not violate any rules or regulations. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX I paid my credit card to a XXXX balance ( credit of {$3900.00} ), excluding a couple of pending transactions that weren't included in the balance under {$100.00}. My current balance of XX/XX/XXXX ( not including the pending transactions of {$1100.00} as of today ) is {$1000.00}. The only posted transactions since XX/XX/XXXX until today total {$630.00}. 

My question to AMEX is why is there a balance of {$1000.00}? This doesn't add up, it would be the same if I had used my debit card or the XXXX XXXX card I've used in the past with no issues. This is the only response that they came back with which seems like a play on numbers based on statement dates and " I checked and I see your last statement balance was {$1800.00} towards it we received total payments and credits of {$3900.00} on the account and you made new charges of {$3000.00} and were charged interest of {$31.00} which makes the total as : $ XXXX $ XXXX $ XXXX {$3900.00} = {$1000.00}. '' I had calculated all purchase from XXXX up until that full payment made on XX/XX/XXXXXXXX  as well and it added up to me paying everything off. All purchases were legit nothing fraudulent. Now I feel as if I'm being robbed either by AMEX or something more serious that they should be concerned about. Their chat reps are only giving the play on numbers based on statement dates, not what's going on. Whatever else they are hiding on their website is deceptive if I had another balance else where, because when I make a payment I should have the choice to make a payment based on paying off the credit card 100 %, instead they are using deceptive practices so that I pay interest. I think something else is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have disputed transactions, double charges, by the time I get a repose its been over three months when I finally do get a response it was to let me know that they had denied my claim because it had been over 30 days, I've advice that it took them 3 months to respond so how is that my fault? literally had no response and just apologize said id still have to pay for something I did Not purchase more of a system error, from having a balance of about {$400.00} one moth the next bill was about $ XXXX I called to ask what was the purchases for? I asked for proof of purchase, itemized bill, they mentioned I was also late on my bill advice them I had paid my bill on time, they said after submitting minimum payment of the {$400.00} balance they day after my balance had gone up so my minimum had change I advice I didn't understand how was that possible and was also charge a late fee even though I paid my bill onetime. 
every time I called I get put on holds get transferred back and forth to different departments and no one can ever help me. I've requested itemized bill, they said they can just go over it while on the phone, I said no I need it in paper because they debt that I am being charge for is a big difference then what I believe I purchased, specially because 6 months prior I had paid in full. & the only big purchased I had made were XXXX sunglasses for {$370.00} and no other purchases had been made. No one has been able to help, I've been told I just need to pay for it to stop affecting my credit and an apology over the phone, now I am currently in collections Macys is the worst.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My card has been in a delinquent status for a period of several months and I have received calls and spoken with agents who have advised me of the minimum payment that must be made in order for me to avoid my account being closed and transferred to collections. I have repeatedly made the minimum monthly payment over several month time span with the intention of making the entire past due payment when I had additional funds. On XX/XX/XXXX, I contacted customer service in order to inquire regarding what my minimum payment would be for the month and I was advised that it was {$110.00} dollars which needed to be paid before XX/XX/XXXX and as a result I completed the full payment of {$110.00} on XX/XX/XXXX to ensure that there was no mixup with the dates in which the payment posted. On XX/XX/XXXX, I received mail correspondence that my account was closed and that it had been charged off to collections. Upon calling in to customer service I was advised that I was given misinformation and that the minimum payment to prevent the closure and charge-off of the account was {$140.00} and not {$110.00}. If I had been given the correct information I would have made the full payment of {$140.00} which is something that I have repeatedly done in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc.
State: NV

Complaint narrative:
I am writing to formally lodge a complaint regarding a distressing experience I encountered with your company on XX/XX/XXXX, XX/XX/XXXX. This complaint outlines the specific incidents, potential violations, and the adverse impact on my employment, housing, and financial well-being. 

Full Time/Part Time Employment, XXXX, XXXX XXXX ( {$35000.00} annually ), XXXX XXXX, $ XXXX ( {$24000.00} annually ) XXXX XXXX, $ XXXX ( {$24000.00} annually ) Service Used : Credit Reporting or other personal consumer reports I was denied the advertised job position twice after the background check conducted by your company. The information reported in my consumer report was invalid and inaccurate, causing me to lose the employment opportunity, housing, and resulting in financial hardship. I did not receive an adverse action notice, which should have included the reasons for the denial and the contact information of the third-party company that supplied my consumer report. When I requested information about the third-party company that provided my report, I was refused this information. Your company has not tried to resolve this matter despite my attempts to seek clarification and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XXXX XXXX, XXXX  a charge for XXXX and another for XXXX was charged to my virtual debit card! I called right than while the charge was pending and I was told I had to wait for the transaction to be completed! The next day I called filed a dispute! I was denied why I do not know, I never received any documentation on why! I called and was told its no way my virtual card was used on XXXX XXXX, XXXX! On XXXX XXXX, XXXX  I filed a dispute because that same virtual debit card was used for 4 transactions for a total of XXXX and I was refunded in full! XXXXXXXX XXXX offer to investigate the matter about the XXXX, XXXX  transactions! But needed the virtual card number that was used to make the unauthorized transaction, I was told its no way to get the card number! And now my money just gone!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
Hello - I put in late payments dispute for XXXX  with XXXX XXXX XXXX and it was not investigated. Additionally, I have asked for old accounts to be removed ( well over 10 years since closing ). Additionally, I have bay country finance is reporting incorrectly and I have requested for it to be removed. I submitted over two formal disputes and they still remain and negatively effect my credit. Furthermore, I have asked that unknown associated addresses be removed, as I don't recall the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TN

Complaint narrative:
Subject : Formal Dispute and Request for Investigation Account # XXXX I am writing to formally dispute the reporting of the account referenced above as it appears on my credit reports provided by XXXX, XXXX, and Equifax. Significant inconsistencies exist in how this account is being reported across the bureaus, raising concerns about the accuracy and completeness of the information being furnished. 

Discrepancies and Issues Identified : Account Balance : XXXX, XXXX, and Equifax all report a balance of {$1900.00} ; however, the account is marked as " Closed '' in each instance, which contradicts the balance owed. 
Payment Status : All three bureaus report the payment status as " Charged off '' or " Charged off as bad debt. '' This status is concerning as no documentation has been provided to substantiate the charge-off.

Dates of Activity : Date Last Active : XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. These discrepancies suggest the accounts activity dates have not been accurately verified. 

Date of Last Payment : XXXX and XXXX report XX/XX/XXXX, whereas Equifax lists XX/XX/XXXX. This inconsistency impacts the accounts validity under the Fair Credit Reporting Act ( FCRA ). 
Payment History : Equifax inaccurately reports " OK '' payments for certain months during XXXX while simultaneously marking the account as a charge-off in other months. This conflicting information demonstrates a lack of proper validation and oversight in the reporting process. 

Comments : XXXX includes " Profit and loss write-off, '' and Equifax notes `` CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS, '' but XXXX lacks any comparable details, highlighting an incomplete and inconsistent investigation process. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The inconsistencies and contradictions in this account 's reporting demonstrate a clear failure to adhere to these standards. 

Furthermore, Equifax 's and XXXX 's documented history of inadequate reinvestigation practices ( " sham investigations '' ) raises additional concerns about the integrity of their review process and compliance with legal requirements. 

Actions Requested : Conduct a detailed and thorough investigation into this accounts reporting across XXXX, XXXX, and Equifax. 
Provide verification of all reported information, including : Documentation of the charge-off and proof of the original balance. 
Accurate and consistent dates of activity and payment. 
Clarification of the accounts payment history. 
Remove any inaccurate, unverifiable, or inconsistent information from my credit reports. 
Confirm the results of the investigation and actions taken in writing within the 30-day timeframe specified by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation