vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I purchased some appliances and applied for the XXXX XXXX Credit Card issued by Citibank , N.A . I had secured a {$7000.00} credit limit. I purchased the appliances on this card and have since paid it off in 2023 and have maintained my {$7000.00} credit limit. I received a notication thru a XXXX Credit Card I have in which they monitor my credit. It's called " XXXX XXXX ''. The notification states that my credit limit was reduced in half to {$3500.00}. With that reduction my credit score was negatively impacted. I called XXXX XXXX and spoke to an XXXX, XXXX XXXX. I wanted to know why my available credit limit was reduced in half. She advised it was a systematic reduction. I requested why this was done without notification to me. She couldn't answer that question. I requested to speak to her Supervisor. I was connected to XXXX XXXX. I asked the same questions I asked XXXX XXXX. XXXX XXXX replied it was a systematic reduction due to no activity. I asked why I wasn't notified before the reduction was implemented so I may have the option to make a purchase and maintain my available credit limit. When I requested my limit be returned to where it was, she said we can submit for an increase. I said no because that would be a hit on my credit score and furtehr reduce it. She furtehr advised there is no notification to the customer when a systematic reductions are made. They should not be allowed to take action against a customer that negatively impacts their credit without notifying the customer. Are there any other avenues I can take to have my credit restored to where it was before their actions? Legally, etc.?

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 2025-01-31 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: CITIBANK, N.A.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX  This letter serves as a formal and initial communication to complain that you are reporting inaccurate and incomplete information on my credit report. The following information regarding late payments are inaccurate : 1. CITICARDS CBNA XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I respectfully request a thorough and accurate investigation into the data associated with this account, ensuring that all notations, dates, payments, and balances are reported correctly. I also request specific evidence proving that the alleged late payments were, in fact, late. To verify this, I am requesting copies of statements and payment transaction records from the creditor that demonstrate my payment was submitted late. 
Under 15 U.S. Code 1681e, it is your responsibility, as the credit reporting agency, to verify the accuracy of this information with the reporting creditor. If you are unable to provide proof of the alleged late payments, I ask that you immediately delete the negatively reporting account from my consumer report, in accordance with consumer protection laws. 
Please send the results of this dispute and the updated credit report to the address listed above

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 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and noticed a creditor whom I am not familiar. Transunion has placed a creditor on my credit report without my permission. Please remove and give me detail on how Transunion investigated this item and LEGALLY ALLOWED THIS CREDITOR TO BE PLACED ON MY CREDIT REPORT AND LOWER MY SCORE AND CAUSE HARM TO MY CREDIT REPORT. 

The agency name is XXXX XXXX. I have NEVER heard of the company. The date assigned XX/XX/year> There is no account number XXXX  Please see attachment Amount {$210.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: InDebted Corporation
State: WA

Complaint narrative:
This collection agency reported this item to my credit without validating the debt legally and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the reporting of account number XXXX XXXX XXXX XXXX  on my credit report with Experian. I initiated a dispute regarding this account on XX/XX/2024, stating that I have never had a contract with this debt collector for any debt. I requested proof from the original creditor demonstrating that XXXX XXXX owns the debt and has the legal authority to collect it. However, Experian failed to properly investigate or follow up on my dispute. 
Additionally, I was recently made aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for alleged violations, including accepting unreliable information and failing to properly notify consumers of dispute results. This directly aligns with my experience, as Experian has neither corrected nor removed this inaccurate information from my report.

This derogatory remark is negatively impacting my ability to secure a vehicle and job opportunities. I am requesting that this account be immediately removed or corrected as required by federal consumer protection laws. Experians failure to take appropriate action violates my rights under the Fair Credit Reporting Act ( FCRA ).

I appreciate your prompt attention to this matter and expect a resolution in accordance with federal regulations. Please confirm receipt of this request and provide an update as soon as possible.

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a credit card XXXX  with Capital One. They had a promotional offer of getting {$250.00} after spending {$1000.00} in 6 months. 
Once I met these requirements, I didn't receive the {$250.00}. I called the company and I was informed that I did not qualified. They couldn't say the reason. I wrote a letter to Headquarters with my concern, their response was the same. I did not qualified, I requested to please explain exactly what terms disqualified me. Their response was, " we can not tell you '' " every individual is different ''. I other words the lack of transparency raises concerns about the legitimacy of this promotional campaign. The refusal to tell me specific criteria that disqualified me constitutes FALSE ADVERTISING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TapTap Send Inc.
State: VA

Complaint narrative:
On XX/XX/year>, a transaction was made from my TapTap account of {$170.00} charged to two separate cards on the account. It was made to XXXX XXXX XXXX XXXX of account number XXXX XXXX XXXX XXXXXXXX. I had reported this as fraudulent almost immediately I received the notification but according to TapTap, it has already been sent. I have contacted my bank who denied the case saying that TapTap was a third party app for transfers so they had no grounds to file a claim and I would have to reach out to the merchant. The merchant in turn has not responded to my claim even after multiple escalation and I have reached out to them almost everyday afterwards. My claim of {$100.00} was denied by XXXX XXXX as of today. Im still waiting on the {$78.00} from XXXX resolution. Im so lost on what to do as I cant get to an agent at TapTap to connect me to this relevant department they keep claiming my case has been escalated to. The last agent requested that I also call my bank for a dispute and I have, today, communicated with them about the denial and they essentially told me to appeal. I tried that and bank told me to go back to merchant because no grounds to appeal. I keep getting sent back and forth

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
I called and spoke with two agents today at XXXX XXXX  CST when I received a notice that Sequium Asset Solutions , LLC has placed a derogatory mark on my credit report. I was told twice, that my information, an old account that had a debt owed to XXXX in XXXX of XXXX was paid directly to XXXX and not Sequium Asset Solutions , LLC, was accidentally placed in a file to report to the credit bureaus a debt was owed. 

I requested various times, a letter/statement be sent to me stating that the reporting of this information was a mistake and was incorrect. Instead I was offered a letter stating that the debt had been paid in full, which is not the same thing. My requests were ignored and disregarded, I am in the process of becoming licensed as an attorney and this is detrimental to that. I explained to the agents what I needed and how my credit report has not been updated as of XX/XX/XXXX. I was told that they, Sequium Asset Solutions , LLC, placed a request with the credit bureaus on XX/XX/XXXX however, why hasn't Sequium Asset Solutions , LLC, sent out any notice and why are they keeping records on file to which things like this can happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I filed a dispute on ( XXXX XXXX XXXX XXXX  ) due to XXXX unauthorized charges being made that were not taken upon myself.as well as to multiple accounts being attempted to open such as that were not by me ( XXXX XXXX XXXX XXXX. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or correctedimmediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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. This are the accounts that I marked as inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
XX/XX/XXXX my husband was at urgent care to which the called XXXXXXXX XXXX ambulance services were called to transport to hospital. As of today XX/XX/XXXX we have not received a bill. On XX/XX/XXXX we received a collections letter from American Accounts & AdvisorsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I called on XX/XX/XXXX I called the company. I spoke to XXXX about this collection. He gave me the dates that he had for XXXX and stated that it was put through to XXXX. He stated that was all the information he could give me. I asked the name of the company that had sent this to collection. He stated he could not give me that information. 
I looked up XXXX Ambulances phone number. I was told they had nothing on file. Checked deeper into the website for another phone number. There was a note on the page that Stated if you are calling about a bill prior before XX/XX/XXXX please contact XXXX XXXX at XXXX. I left a message. 
While waiting for a callback, I called my insurance company. They could not find a submittal for that date of service. I was told that the time frame for submittal had expired. 
I then called XXXX. They too had no submittal. 
On XX/XX/XXXX XXXX return my phone call. He stated that the City of XXXX was no longer on good terms with the billing company. He did give me the name and number of this company. As of XX/XX/XXXX they changed billing companies. The new company that does the billing now would not take on the collection of debts prior to them taking over. My understanding is that XX/XX/XXXX the city of XXXX gave the prior company the debts that they had not collected or billed. So basically the city and this company screwed us as well as most likely others. I learned that this company had sent collection letters out in the last XXXX weeks. I asked how many bills the contract states that they send before collections. Multiple was the answer I received. We have not gotten any, requested a copy of the contract that states this. I left a message with this company on XX/XX/XXXX, I have yet to hear from them nor can I find an e-mail address. 
The companies name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This bill was {$2200.00}. Which the insurance company would have paid aside from a {$100.00} deductible. 
I have spent countless hours on trying to rectify this situation that I do not feel we should have to pay due to bad business practices. 
The collection is currently in dispute. I also called the collection agency to follow up with the information I had learned. I spoke to XXXX XXXX XXXX who was very nice and took down the recent information. 
I am not sure if you can help with this or direct me to someone that can help. 
Thank you for your time, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding the abrupt and unexplained closure of my JPMorgan Chase Bank account after more than 10 years as a customer. Despite my account operating consistently without any prior issues, Chase closed it without providing any reason. My repeated attempts, through customer multiple calls, to obtain an explanation have been unsuccessful, as the bank has refused to clarify the basis for its decision. 

I am deeply concerned that this closure may be punitive or discriminatory. Recent reports in the media suggest that JPMorgan Chase has closed accounts based on customers political affiliations. While I have no definitive proof that this applies to my situation, the lack of transparency raises serious concerns about potential bias.

The closure of my account has caused significant financial hardship, as it was my primary banking account. Moreover, the broader trend of unexplained account closures raises concerns about the fairness and accuracy of automated compliance systems used by banks, including potential biases in artificial intelligence algorithms that may disproportionately affect certain demographics. 

I respectfully request that the CFPB investigate this matter to determine whether JPMorgan Chase is engaging in unfair or discriminatory banking practices. Transparency and fairness in financial institutions are essential, and I urge the CFPB to take action to prevent similar occurrences affecting other consumers. 

Thank you for your time and consideration. I look forward to your response.

Company response to consumer: Closed with explanation