vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: NJ

Complaint narrative:
EXPERIAN NEEDS TO UPDATE THE BALANCE ON MY XXXX XXXX XXXX CREDIT CARD, A LOWER BALANCE WAS UPDATED BY XXXX XXXX ON XX/XX/year> AND EXPERIAN STILL SHOWS THE BALANCE FROM XX/XX/year>.

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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CT

Complaint narrative:
Ive gotten unknown charges on my cashapp before but assumed it was just an old subscription i didnt know about. After seeing so many people speaking about the same thing happening to them through cashapp, i knew it wasnt just unknown charges. I called cashapp about the issue but they said they cant do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-03-30 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: MoneyLion Inc.
State: GA

Complaint narrative:
Subject : Request for Debt Validation and Assignment Details Under 15 U.S.C. 1692g This letter is in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of the alleged debt and detailed information regarding the assignment and ownership of the debt.

Please provide the following documentation : 1. The amount of the alleged debt, including a breakdown of principal, interest, fees, and other charges.

2. The name of the original creditor, and the account number associated with the original account.

3. A copy of the original agreement that bears my signature and shows I have a legal obligation to pay this debt.

4. Documentation showing that you are authorized to collect on this debt, including a full chain of assignment from the original creditor to your agency, with dates and names of all entities that have owned or collected on this debt.

5. The date of default or charge-off and any applicable statute of limitations information.

Please also confirm whether this alleged debt is being reported to any credit reporting agencies. If so, I formally dispute the debt and request it be marked as " disputed '' in accordance with 15 U.S.C. 1692e ( 8 ).

Until this information is provided, I request that you cease all collection activities, including reporting to credit bureaus, as required by law.

This is not a refusal to pay, but a request for validation. Be advised that any failure to respond with the requested documentation will be considered a waiver of your claim and a violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute a hard inquiry on my credit report. After reviewing my credit report, I noticed that the following hard inquiry is listed : [ XXXX XXXX XXXX XXXX ] Date of Inquiry : XXXX [ XXXX XXXX, XXXX XXXX ] Date of Inquiry : XXXX [ XXXX XXXX ] Date of Inquiry : XXXX [ XXXX XXXX ] Date of Inquiry : XXXX [ COMENITYCAPITAL/XXXX  ] Date of Inquiry : XXXX I believe this inquiry was made in error or without my consent. I did not authorize this company to check my credit, and I am requesting the removal of this hard inquiry from my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. I respectfully request that you investigate this matter and remove the aforementioned inquiry. 
Please provide a written confirmation of the outcome of your investigation and any updates made to my credit report. 
Should you need any further information to process my dispute, feel free to contact me at the phone number or email address listed above. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
I am writing to formally dispute a hard inquiry on my credit report. After reviewing my credit report, I noticed that the following hard inquiry is listed : [ XXXX XXXX XXXX XXXX ] Date of Inquiry : XXXX [ CITIBANK NA., BEST BUY ] Date of Inquiry : XXXX [ XXXX XXXX ] Date of Inquiry : XXXX [ XXXX XXXX ] Date of Inquiry : XXXX [ XXXX ] Date of Inquiry : XXXX I believe this inquiry was made in error or without my consent. I did not authorize this company to check my credit, and I am requesting the removal of this hard inquiry from my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. I respectfully request that you investigate this matter and remove the aforementioned inquiry. 
Please provide a written confirmation of the outcome of your investigation and any updates made to my credit report. 
Should you need any further information to process my dispute, feel free to contact me at the phone number or email address listed above. 
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 2025-03-30 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
GM Financial is reporting inaccurate information on my credit report. Then an accuracy includes things like inconsistent statuses, last payment date differences and other inaccurate information. 
I have contacted GM Financial by mail and phone XX/XX/year>2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15 USC 1681 S 2 A, furniture must report accurate information under 15 USC1681 I, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I called the law firm on XX/XX/XXXX 2025 and spoke with XXXX who was unable to help me but was going to give my number to someone who could help me make payment, I was prepared to pay that day. 
Instead of someone calling me back that day or even the next day, on XX/XX/XXXX they filed a lawsuit against me and I was unaware, the only way I found out was when I called on XX/XX/XXXX. 

No one from XXXX XXXX or XXXX called me back until XX/XX/XXXX, which on that day I was considering filing bankruptcy, that night I decided to pay the debt. I called back the next day and spoke with XXXX, who informed me that they had already began the process of suing me, the guy the day before did not tell me that. 

I recorded me making a payment of XXXX to XXXX and she told me that I would be getting paperwork on the verification of payment by XXXX as it takes time to process. 

On XX/XX/XXXX XXXX County tried to serve me with lawsuit papers, I am no longer at the address they tried to serve me at, and I didn't feel it was necessary for the debt collector to have my new address because I had already paid them and they should have filed the appropriate paperwork with the court, and my postal mail was being forwarded. 

I called the law firm back on XX/XX/XXXX25 and spoke with XXXX XXXX, a call which i also recorded, and he verified that i did in fact pay them and that I needed to discuss it with the court even though they are the ones who have the payment and filed the lawsuit., When I asked him why it was my responsibility he then transferred me and I got XXXX again, who said yes you've paid and this should have been sent to you and the court, and then she was going to send the letter out and was going to put me on hold but hung up on me instead. 

I have documented bank statements where I made the payment and phone records of me trying to get in touch with them, and instead of trying to work with me they sued me, I never received paperwork from them, when they purchased the debt, just trying to figure out who had this debt, which I got XXXX different answers about, took a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I was XXXX  for XXXX from XXXX XXXX2024 when i was XXXX  i checked balance on my debit card with capital one and i was missing over {$400.00} dollars i had account changed and got new card they denied my claim even when provided documentation that showed me XXXX  and couldnt make transfer someone stole my phone and login and made transfer that were unauthorized I was under the agreement that 0 liability through the company XXXX XXXX I was released on XX/XX/XXXX I was took for {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
We had loss of work do to a bad car repair asked Citi for forebearance to catch my breath and requested for my insurance on card to help been paying {$27.00} dollars a month for it no help mean while Citi added lots of new fees almost a {$1000.00} in interest and not much to principle I want them to be investigated for predatory lending

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 2025-03-30 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: EdFinancial Services
State: MD

Complaint narrative:
Edfinancial stated reporting on my Credit report in XX/XX/year>. I dont know how because I never went to college to need financial aid. Please remove this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: PA

Complaint narrative:
I have been disputing and I never get a response. Im completely aware of all the laws being broken by creditors and creditor reporters under 15 USC 1692C, 1692G, 1681 2AI 1681EB. 
XXXX XXXX IS NOT PERMITTED TO BE ON MY CREDIT REPORT DUE TO THE FACT THAT THEY DONT NOT REPORT ACCURATE NOR DO THEY REPORT POSITIVE INFORMATION. 
I have been disputing due to knowledge of reporting inaccurate. I have asked for debt validation claim from all creditors. I requested XXXX documents and they are as included ; ( XXXX ) I request to see a full list of detailed payment history on all accounts, ( XXXX ) I request my original wet signature that I agreed to on the contracts for each creditor, ( XXXX ) I'm curious to know if any insurance claims were found on these debts? ( XXXX ) I request the change of title that they have to collect on this debt. 
Also any charge off are considered income according to the irs. I should've gotten a XXXX from each creditor that put a charge off on my consumer report. XXXX is forbidden to be on a credit report according to XXXX XXXX XXXX XXXX XXXX No transaction or experiences are to go on my credit report. 
Late Payments ; NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX. 
City, XXXX, Zip : XXXXXXXX XXXX XXXXXXXX Email Address : XXXX They are In Direct Violation of The XXXX Credit Reporing Act ( All Account ), has violated several of my rights. 
15 U.S.C 1681 soction 602 A. Clearty statea that XXXX have the right to privacy. 
15 U.S.C 1681 Section 604 A Secion XXXX : XXXX also states consumer reporting agency can not furish an account without my writen instructions. 
15 U.S.C 16868 : A creditor may not troat a payment on a credit card acoount under an oper-and consumer credit plan as late for any purpose. 
Remove these late payment and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2025-03-30 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-03-30 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: NY

Complaint narrative:
XX/XX/year> I write verified letters to equifax Experian and TransUnion regarding a XXXX on my credit report. I sent them documentation that XXXXXXXX XXXX couldnt verify the information. They disregarded the documentation said they verify with XXXX XXXX did not remove the XXXX from my credit report. I requested the information according to the FRCA *+ 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B and they violated all my rights and they were suppose to get back to me within XXXX tell how they verified and when they could not delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> I discovered a large number of payments to individuals and businesses on my PayPal account, for which I immediately notified PayPal and submitted a fraud notice on their website for my account and opened a dispute resolution order. I had not initiated or authorized any of these transactions. Paypal asked me to forward emails I received for each of the fraudulent transactions, which I did so immediately. PayPal indicated that they would open an investigation into these fraudulent charges and would let me know the results. In the meantime, my bank issued to me a provisional credit for the amount of the fraudulent charges. XXXX weeks later, PayPal indicated that the investigation was completed and that I was responsible for those funds. I called PayPal multiple times and after being transferred to XXXX or XXXX different " customer service '' representatives, no one could give me details of the investigation or why they felt I was responsible for these fraudulent charges. Then, PayPal notified me that my bank notified them to reverse my provisional credit, which PayPal charged back. I went to the XXXX of transaction operations for my bank ( where I am also an employee ), and we both got on the phone to PayPal customer service for OVER XXXX HOURS, where we were once again transferred to XXXX or XXXX different people, and the bank XXXX verified to PayPal that the bank did NOT request the reversal of the provisional credit. PayPal could or would not give us the date or other details of the reversal notice allegedly from our bank. 
So today my PayPal account has a negative balance of {$1400.00} as a result of these fraudulent charges. I refuse to pay as a matter of principle since I did not initiate or authorize these clearly fraudulent charges, for which I notified PayPal immediately when I discovered them. I want these charges reversed so that they do not ever show up on my credit bureau reports ( my XXXX score is in high XXXX to low XXXX ), and I want my PayPal account closed so I never have to deal with their ridiculous lack of a customer service department again. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-30 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: DISCOVER BANK
State: IN

Complaint narrative:
I dispute the charges levied against my account, as the services or goods were not received, resulting in an unwarranted debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
These are the accounts that I have marked as innaccurate : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation