vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
I am formally disputing the reporting of XXXX XXXXt under account XXXX XXXX XXXXXXXX on my credit report. Federal court rulings have confirmed that delinquent child support payments, judgments, liens, and fines do not originate from a credit transaction and therefore should not be included in consumer credit reports. Furthermore, your agency no longer reports child support obligations, making this entry both improper and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: UT

Complaint narrative:
On XX/XX/2025 I requested to have the investment side of my XXXX to transfer into the main account so I could use the funds. The amount is {$3100.00}, I was advised XXXX business days to appear in my XXXX main account. This transaction is handled by XXXX. The transaction never went through and I have contacted multiple times. There is no record of this request in my portal. Now it shows there is a transfer date of XX/XX/2025 from XXXX to XXXX in the correct amount, however this amount has never appeared in my XXXX account. These funds appear to be gone, and customer service is non existent for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-27 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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX Inquiry XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Master Card - XXXX XXXX XXXX ending XXXX. I paid {$590.00} on XX/XX/year>. But, it failed to process again. I contacted the City Credit Card but, I have not received their response to my request. 

it failed to process when I took my trip to XXXX in XX/XX/year> through XX/XX/year> and it failed to process XXXX week ago again.

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 2025-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I an disputing the results of the investigation on XXXX and XXXX credit cards. 
I requested how the company verified the InformatioXXXX to be correct. 
They did not comply with FCRA on this Verication. Nor did they accurately verify This information. 

Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
This is related to another complaint I made, XXXX Paypal allows websites to falsely advertise a buy now pay later scheme, but charged it all at once. Both companies have refused to do anything and blame each other. Paypal claims they fronted the money and its out of their hands. That was their irresponsibility, not mine. They have put me through 2 weeks of stress trying to address this and I expect more to come. I would not have used paypal if I knew this would happen. 

Documents : vendor website showing paypal pay later offer for a similar product

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TN

Complaint narrative:
This letter serves as a formal dispute regarding the inaccurate reporting of the Self account on my credit report. The account, which was fully paid and has remained inactive since XX/XX/year>, is reporting negatively, clearly misrepresenting its status. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically, section 611 ( a ) ( 1 ) ( A ). I hereby demand the immediate deletion of this inaccurate information. I require written confirmation of the removal within [ Specify a short timeframe, e.g., 10 days ]. Failure to comply will result in filing a formal complaint with the appropriate regulatory authorities and pursuing all available legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Complaint Title : Dispute with Chase Credit Card Services Regarding Unapplied XXXX XXXX Pass Promotion Complaint Description : My name is XXXX XXXX, and I am filing this complaint against Chase Credit Card Services regarding their failure to honor the XXXX XXXX XXXX Credit Card XXXX XXXX XXXX, despite my full eligibility and fulfillment of all promotional requirements. 

- I applied for the XXXX XXXX XXXX XXXX through the official Chase promotional link on XX/XX/year> : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - My card was approved on XX/XX/year>. 

- I spent over {$5000.00} by XX/XX/year>, fulfilling the terms required to qualify for the promotion. 

- I first called Chase at XXXX on XX/XX/year> to confirm the XXXX XXXX was being set up. I was advised to wait XXXX business days before following up. 

- I then called again on XX/XX/year> ( XXXX ) and was told that a different promotion-of lesser value-had been applied to my account. I was also incorrectly informed that I did not qualify for the XXXX XXXX XXXX, even though it remains active until XX/XX/year> and my application was within the eligible window. 

I have proof of my application through the correct promotional link, my card approval date, and receipts showing the required spend was met. Despite meeting all qualifications, Chase has failed to apply the XXXX XXXX XXXX to my account and has provided conflicting and inaccurate information. 

I am seeking a resolution where Chase honors the original promotion for which I applied and qualified. I believe this situation reflects deceptive promotional practices and poor customer service. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: DC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-03-27 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: NC

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 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 2025-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AR

Complaint narrative:
I am resubmitting my complaint against Aldous & Associates and XXXX XXXX because the company has failed to provide a fair and complete resolution. Aldous & Associates response remains inadequate, and they have refused to properly address the core issues of my dispute. 

In their latest response, Aldous & Associates claims they have sent proof of the debt to my address. However, this response does not resolve my dispute for the following reasons : XXXX. The debt remains invalid, and Aldous & Associates has failed to substantiate it with legally sufficient documentation. Merely sending a letter claiming the debt exists does not validate its legitimacy under the Fair Debt Collection Practices Act ( XXXX  ). 
XXXX. The company has not provided original documentation from XXXX XXXX confirming that I contractually owed this debt. A generic demand letter or internally generated document is not sufficient proof. 
XXXX. XXXX XXXX has yet to confirm that my membership was properly canceled as originally requested. Without this confirmation, Aldous & Associates is attempting to collect on a potentially fraudulent or erroneous charge. 
XXXX. The debt is still being reported to credit bureaus, harming my creditworthiness, despite my rightful dispute. If the debt can not be properly validated, it must be removed immediately. 
XXXX. Aldous & Associates has refused to issue a formal acknowledgment that collection efforts will permanently cease and that the debt is invalid. 

Aldous & Associates refusal to provide legitimate validation and continued reporting of this disputed debt XXXX constitute violations of : The Fair Debt Collection Practices Act ( XXXX  ) Failure to provide sufficient verification of the debt upon dispute. 
The Fair Credit Reporting Act ( XXXX  ) XXXX inaccurate or unverified debt information to credit bureaus. 
Consumer Financial Protection Bureau ( XXXX  ) regulations Engaging in deceptive or unfair collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Client Services, Inc.
State: MO

Complaint narrative:
Calling from XXXX leaving threatening messages about being arrested. Fails to identify and calling and harassing family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-27 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

~ 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC Acct # XXXX I have recently pulled mu credit report and noticed that there is a collection listing from your agency. I am writing you regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have made this request be validated.

I have never been notified of this collection action or that I owe the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity a copy of the original signed agreement or contract that proves Im responsible for this debt. Im also requesting a detailed breakdown of the debt breakdown ( principal, interest, fees ) including documentation showing your authority to collect on behalf of the creditor and a full accounting of all payments and charges to verify the amount claimed. The Last payment date and the statute of limitation. I will dispute debt until I receive validation that the proof for the debt is provided. Until you provide the requested validation, I dispute this debt in its entirety and request that all collection efforts, including reporting to credit bureaus, cease. Requesting at the point of this letter any further communication should be in writing. 
Additionally, per the FDCPA, I request that you do not contact me via phone and only communicate through mail at the address listed above. 
If you fail to provide proper validation, I will consider this matter closed and will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
Dear Cash App Customer Support, I am writing you as an aggrieved, indigent man to formally dispute several unauthorized transactions that were made from my Cash App account without my permission or knowledge. These transactions occurred from XX/XX/XXXX until XX/XX/XXXX and involved the transfer of funds to XXXX XXXX aka $ XXXX. The total amount of these fraudulent transactions is {$20000.00} I request an immediate investigation and resolution of this matter. 

Under the Electronic Fund Transfer Act ( EFTA ), which requires financial institutions and mobile payment platforms like Cash App to investigate and resolve disputes regarding unauthorized transactions. Additionally, California state law mandates that companies must employ robust security measures to protect consumers from fraud and unauthorized transactions. 

Furthermore, as a resident of New Jersey, I am entitled to protection under the state 's anti-money laundering laws, which are designed to safeguard the financial system from illicit activities. The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has recently taken action against Block , Inc., for violations of these laws, emphasizing the importance of thorough investigations and consumer protection. 

Under constitutional law, I have the right to privacy and protection against unauthorized access to my financial information. The Fourth Amendment of the United States Constitution protects individuals from unreasonable searches and seizures, which extends to unauthorized access and transactions involving personal financial accounts. Additionally, the XXXX XXXX Constitution provides citizens with a reasonable expectation of privacy in their bank records, as affirmed by the Supreme Court XXXX New Jersey. 


Potential Legal Actions : If Cash App fails to resolve this dispute promptly, I may consider pursuing legal action. Under California law, I have the option to file a small claims lawsuit for the unauthorized transactions. Small claims court handles disputes up to {$10000.00}, making it a suitable venue for addressing this issue. Additionally, I may explore the possibility of a civil lawsuit against Cash App for not adequately investigating the dispute and failing to protect my financial information.

Moreover, there have been class action settlements involving Cash App users who have encountered issues such as unauthorized withdrawals and exposed personal data. These settlements have resulted in compensation for affected users. If necessary, I may join or initiate a similar class action lawsuit to seek redress for the unauthorized transactions and any related damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-27 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX HOME # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX & XXXX # XXXX XXXX FIN SVC # XXXX XX/XX/XXXX -- {$11000.00}

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