vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
my rights as an american citizen and consumer were violated because the department of education shared my private data with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CT

Complaint narrative:
My card was charged {$430.00} dollars. A purchase was made unauthorized and they offered a provisional credit by XX/XX/XXXX but you dont understand, I need this money before then. I dont make enough money due to me being XXXX and that was the money I was saving up just gone. I need my money back! I need my money back immediately. I even believe the person that went into my account ended up using a tracking site. I also provided that in the documents but they used a tracking site by the name of XXXX XXXX which is a tracking app which is how I think they accessed my information. Added their own information. Switched around my notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
Subject : Dispute Regarding Lawsuit and Unlicensed Debt Collection by Crown Asset Dear CFPB, I hope this message finds you well. I am writing to inform you of a concerning situation in which I received a lawsuit notification from Crown Asset Mgmt, claiming that I owe a debt. I believe this lawsuit may not be in compliance with both federal and state laws, and I would greatly appreciate your assistance in addressing this matter.

Firstly, under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S. Code 1692g ), debt collectors are required to provide written notice of the debt to the consumer within five days of their initial communication. To date, I have not received any such notice from Crown Asset Mgmt, which I believe makes this lawsuit invalid due to the lack of required notification.

Additionally, after reviewing the relevant regulations, I have discovered that Crown Asset Mgmt is not licensed to collect debts in my state. As per state law, debt collectors must be properly licensed to pursue collections actions in my jurisdiction. Crown Assets failure to comply with these licensing requirements raises further concerns regarding t
he legitimacy of their actions.

I kindly request your assistance in reviewing this issue and providing guidance on the next steps I should take. I believe that Crown Assets actions may be in violation of both federal and state laws, and I would appreciate your support in resolving this matter.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized item that reporting on my credit report. Since this is a strict violation of FCRA laws I need the item removed from my file as soon as possible. 
XXXX XXXX Balance {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
This complaint concerns the way Barclay handles disputes, which is inefficient and makes it extremely difficult for customers to receive proper service. After I opened a dispute and called twice to confirm that I was seeking a full refund, I received no communication indicating that the dispute was not resolved, but instead was closed. When reviewing my statements, I noticed that the charge I had disputed was reissued. According to their records, they reached out and left a voicemail, but I never received any communication.

I do not believe disputes should be closed until the party who opened them confirms that closure has been achieved. Disputes are opened for a reason, and a large bank should not simply close out dispute tickets to show completed cases.

I was then informed by the agent that she could not reopen my dispute over the phone and that I would need to send a fax or mail a letter to the Barclay Dispute Department. Why cant the agent reopen my case on the phone? Why is this process not as streamlined as accepting payments over the phone? A large bank is able to accept payments, ask for income and financial details, and perform other tasks over the phone, but when it comes to reopening a dispute to advocate for me the customer to get a refund for a service I can't get details for and want cancelled, the process becomes unnecessarily difficult.

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 2025-03-31 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-04-01 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX ( XXXX ) XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Account XXXX XXXX XXXX Dear Experian Dispute Department, I am writing to formally dispute the accuracy of an account appearing on my Experian credit report. The account in question is listed under XXXX XXXX XXXX with a balance of {$660.00}, and it was last updated on XX/XX/year>. This information is inaccurate and is negatively affecting my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is complete, accurate, and verifiable. Given that this account is incorrect, I am demanding that Experian immediately investigate and remove this inaccurate entry from my credit report. 

Furthermore, I am aware that Experian has faced legal action regarding the reporting of inaccurate information on consumer credit reports. This reinforces the importance of ensuring that false data is not negligently included in my report. 

Please conduct a thorough investigation and provide written confirmation of the results. If Experian continues to report this incorrect account, I will have no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for violations of the FCRA. 

I expect a response within XXXX, as required by federal law. Please send the results of your investigation to my mailing address above. 

Sincerely, 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 2025-03-31 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: ME

Complaint narrative:
I am disputing several accounts on my credit report that I believe to be inaccurate or unverifiable. Please provide the source of this information and the methods used to validate its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: ME

Complaint narrative:
I am disputing several accounts on my credit report that I believe to be inaccurate or unverifiable. Please provide the source of this information and the methods used to validate its accuracy.

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I noticed Wells Fargo ( WF ) was charged my account {$10.00} in month XX/XX/XXXX. I called WF and told them why am I being charged for my Essential Checking tht requires account holder to use debit card 10 times a month to avoid a monthly fee. They kept transferring me to different departments and finally some XXXX XXXX said in XXXX my account was changed to a Checking Account where I have to keep over $ XXXX in it or get direct dep. So, I haven't been employed since I had XX/XX/XXXX cause I was in the beginning of my XXXX XXXX trimester and I was having a high risk XXXX so I stop working at start of XXXX month XXXX. So, from XXXX whatever month until XX/XX/XXXX they were charging my checking account, I'm thinkin XXXX! Where was the letter where I was put on notice of this change. WF had no answer for me, saying they probably emailed me. I then told them send me the proof of change and proof why they took {$5.00} out of a refund check from XXXX claiming I owed money from a XXXX XXXX XXXX account. I made this request since XX/XX/XXXX and it is now XX/XX/XXXX WF has sent me nothing all info is word of their mouth. I'm like if I owed- {$5.00} since 15 years ago why wait till now to get - {$5.00} out of money coming to me instead of giving me notice when I opened this checking account tht I just closed in XXXX. You can't just tell me I had an old balance and thts why you took the balance out of a refund check for me to cover the balance tht was never disclosed to me by documentations while I had a checking account opened after this old account. I'm confused by the way Wells Fargo conducts their business. I want my money!! Wells Fargo better pray to XXXX I dnt sue for the fees occurred from this I account they gave me as an alternate to the one they discontinued. I also have the letterhead from their Recovery Department stating why they took my money. FYI, even on the letter WF lied saying due to no accounts open with my name is why they took the money but my checking account was open for over 5 years ending in XXXX and my current savings account still open

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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


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


I demand the late payment to be updated. 


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


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


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


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


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


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX BANK ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX A ACCOUNT XXXX ACCOUNT NAME : XXXX CARD ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
It was a data breach of cash app and a casino I still havent received my payout or check that was promised to me by the CFPB and I just received some new information, I would like to resolve Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
I am writing to formally dispute fraudulent accounts and inquiries that have appeared on my credit report due to identity theft. My personal information has been used without my authorization, and I request that these items be removed immediately. 
Per my rights under 15 U.S.C. 1681c-2 ( Fair and Accurate Credit Transactions Act, FACTA ), I am requesting the immediate blocking and removal of the fraudulent accounts listed below. Additionally, under 15 U.S.C. 1681i ( Fair Credit Reporting Act, FCRA ), you are legally required to investigate and correct this inaccurate information within 30 days. 
The following items are fraudulent and should be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
I am writing to formally dispute fraudulent accounts and inquiries that have appeared on my credit report due to identity theft. My personal information has been used without my authorization, and I request that these items be removed immediately. 
Per my rights under 15 U.S.C. 1681c-2 ( Fair and Accurate Credit Transactions Act, FACTA ), I am requesting the immediate blocking and removal of the fraudulent accounts listed below. Additionally, under 15 U.S.C. 1681i ( Fair Credit Reporting Act, FCRA ), you are legally required to investigate and correct this inaccurate information within 30 days. 
The following items are fraudulent and should be deleted from my credit report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX AND XXXX XXXX Opened XX/XX/XXXX {$440.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$700.00} Inquiry details XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
I am writing to formally dispute fraudulent accounts and inquiries that have appeared on my credit report due to identity theft. My personal information has been used without my authorization, and I request that these items be removed immediately. 
Per my rights under 15 U.S.C. 1681c-2 ( Fair and Accurate Credit Transactions Act, FACTA ), I am requesting the immediate blocking and removal of the fraudulent accounts listed below. Additionally, under 15 U.S.C. 1681i ( Fair Credit Reporting Act, FCRA ), you are legally required to investigate and correct this inaccurate information within 30 days. 
The following items are fraudulent and should be deleted from my credit report XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX SERVICES XXXX XXXX XXXX XXXX AND XXXX XXXX Opened XX/XX/XXXX {$440.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$700.00} Inquiry details XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXI ( Finance ) 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