vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My husband and I went to XXXX XXXX on our honeymoon, upon arriving at the airport, we took a taxi service to our all-inclusive resort which was 20 minutes from the airport. The taxi driver quoted a price of US {$45.00} which we accepted. Upon arriving to the hotel, the driver showed us the price entered into the merchant device and we provided our Citi American Airlines credit card. Upon checking my credit card statement I saw that we were charged US {$640.00} instead of US {$45.00}. I filed a dispute with Citibank and provided our flight information our hotel information and a screenshot of the distance from the airport to our hotel, my dispute was denied two times by Citibank. Why would I pay XXXX {$640.00} for a XXXX minute ride from the airport to our hotel. We took a taxi from the hotel back to the airport, and I took a screenshot of the charge and provided that to Citibank as well too. This is a taxi service that does not provide a receipt. They quote you a price and you pay that price and Citibank is asking for an invoice or a receipt which I can not provide but common sense would state that a taxi does not cost US {$640.00} especially when I provided proof of the second taxi ride, which charged the right amount of {$45.00}.

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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: VA

Complaint narrative:
To whom it may concern, I was recently advised of appearing on a collection agency report due to an unpaid balance of {$950.00}. I would like to dispute this collection off my credit report as I have paid the full amount due to Apartment Complex : XXXX Apartments, as of XX/XX/year>. 

On XX/XX/year>, a money order check was created in the amount of {$950.00} paid to XXXX. 
On the same day, the money order was mailed from postal office using the XXXX XXXX + Sign Off on retrieval. 

On XX/XX/year>, XXXX states that the check was received and signed off for. 

On XX/XX/year>, I was called by ProCollection advising of the false claim of an unpaid balance. After speaking to the representative, I reached out to the apartment complex requesting for an account balance update as well as requesting a XXXX XXXX letter. The apartment complex stated my account in fact was at a {$0.00} balance and that my account should have not been transferred to a collection agency. They also stated they have a direct line with XXXX Collections making it sound like this is a reoccurring issue.

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 2025-04-17 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: TX

Complaint narrative:
I am writing you because my social security number was used fraudulently to make inquiries. I believe I am a victim of identity theft due to the Equifax XXXX breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX The inquiries listed below, which appears on my Equifax credit report, does not relate to any inquiries that I have ever made. It is the result of identity theft. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2024. 

XXXX. The inquiry was not authorized SETTLEMENT Date of inquiry : XX/XX/2024 XXXX. The inquiry was not authorized SETTLEMENT Date of inquiry : XX/XX/2024 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2024 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2024 XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2024 XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I have a card that has XXXX points earning levels the secondary level is XXXX points after a spend of XXXX within XXXX year. I met that requirement back in XX/XX/year>. I called the company in XXXX to find out why the points had not posted. I initiated XXXX additional follow up chats with the company regarding the issue and the points have still not been posted. It has been well beyond 30 days since I first initiatiated the question about the missing rewards with XXXX chat follow ups that keep pushing the date for resolution out. I want my missing points credited to my account. All agents have confirmed that I have met the requirements and I want Barclays to honor their word!

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 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I deposited checks in XXXXXX/XX/XXXX into my Chase account I had open for over 20 years. The checks had been endorsed over to me from my sister. They were her paychecks from her job, in the amount on {$6200.00}. Chase bank put the funds on hold and my account locked. They told me that they needed to verify my sister 's Identity through a phone number even though I took her into the branch at XXXX XXXX XXXX XXXX XXXX with two forms of identification to prove her identity. They said that wasn't good enough. Even though they called her they said because the phone number was listed under her ex - husbands name they couldn't verify the number. My sister then went to get a phone number under her own name through XXXX. XXXX still said that wasn't good enough. My account was closed all my funds were confiscated. When my sister spoke to her employer to have the checks reissued they said the checks had cleared. Chase told me it could take 6 to 12 months to clear the issue. It has now been well over that. I am a Veteran and this bank has flat out robbed me with no explanation and no-one to speak to. I have made numerous phone calls and keep getting the run around. I have read online that I am not alone in this matter it has happened to thousands of people. How is this legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payments on an account that I was in fact paid on time. the consumer reporting agencies have need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I demand they payments be updated to paid on time immediately. You can not report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to paid never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
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 2025-04-18 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: FL

Complaint narrative:
TransUnion Unauthorized Inquiry Summary : XXXX XXXX XXXXXXXX Type : Bank Credit Card Date of Inquiry : XX/XX/year> Issue : I did not authorize this hard inquiry and have no current or pending applications with 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 2025-04-18 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX XXXX XXXXXX/XX/XXXX I had accidentally XXXX  an incorrect person {$480.00} for a car repair that I had just received using their phone number and mistakenly switched two of the numbers within the phone number. I then submitted another XXXX transfer from my bank account using the correct phone number because I needed to pay the mechanic in order to receive my car. Therefore, I had immediately contacted JP Morgan Chase Bank to file a claim to recover my money from the person that I had incorrectly sent {$480.00} to which is XXXX XXXX 
XXXX XXXX. They said they would reach out to XXXX XXXXXXXX XXXX XXXXXXXX  to recover my money. I received an email from Chase Bank today along with a letter stating that they were unable to recover my money due to the XXXX transfer being processed immediately. They said I would need to reach out to XXXX in order to recover my money. Well, today I reached out to XXXX and they told me they were unable to do anything about it because they were a third-party company, and since I used the XXXX function XXXX the Chase Bank app that I would have to contact Chase Bank to recover my funds. So I contacted the bank again along with the customer service representative from XXXX on the phone as well and all three of us were on the phone discussing how to remedy my situation. The end result being that neither party was able to help me. I feel very unsupported, especially when this was human error. I simply made a costly mistake and have no support, especially when I have been a Chase Bank customer since XXXX. I have also reached out to XXXX XXXX several times via texts and phone calls to get my money back, but received no response. 
Therefore, if you would, please consider my case valid and help me recover my funds, I would greatly appreciate it. Please let me know if you have any questions or need any additional support. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to urgently address fraudulent accounts and inquiries that have been opened in my name due to the Experian lawsuit with CFPB for not properly investigating my in accurate accounts. As I a victim of identity theft, I have identified several unauthorized accounts and inquiries associated with my Social Security number which I did not open or authorize. As Experian is currently in a lawsuit due to the negligence of not completing a thorough investigation, I am requesting ( 3RD ) time, that you remove the inaccuracies on my report. You have failed to investigate in the allotted time period. Therefore I demand that you remove these inaccuracies. Please remove the following immediately. For your reference, I have attached a copy of my identity Theft Report. 

The details of the fraudulent account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.Code 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame. I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.Code 1692k. This action will include claims for the following violations : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violations under 15 U.S Code 1681o, 1681n ( b ), 1681c, 1681a ( 4 ) 4. Failure to comply with 15 U.S.Code 1692 ( g ) 5. Violation of 15 U.S.Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate afternoon to this dispute. Please confirm the removal of this fraudulent account promptly.

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 2025-04-17 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:
XXXX XXXX XXXX {$7100.00} XX/XX/XXXX XXXX XXXX  {$8400.00} XX/XX/XXXX I XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXXt {$18000.00} XX/XX/XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX  XXXX {$1500.00} XXXX XXXX, XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX none of the amounts are accurate and balances have been paid off, XXXX is XXXX and was never opened by me. my finances and personal information was leaked on dark web since XXXX fraudulent bank accounts have been opened phone companies.

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 2025-04-18 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payments on an account that I was in fact paid on time. the consumer reporting agencies have need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I demand they payments be updated to paid on time immediately. You can not report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to paid never late.

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