vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I ordered some items on XXXX XXXX and my items was supposed to deliver to my address. I didn't receive my package and addressed it to the merchant and also to my credit card and they told me that they will dispute it and should get an answer 7 to 10 business days and after that they told me that they investigate it and that the charges are valid, the only thing they did was to track the tracking info in XXXX  and shows delivered. There isn't any picture or proof of delivery. I called XXXX and tried to do a claim and they told me that the merchant didn't reach out to them to file a claim and that they are the only one that can file a claim since they are the merchant. To be honest, they are really incompetent, they aren't doing their jobs and always like to their customers extending the debt and now every month I'm being charged interest.

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 2025-03-28 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 2025-03-28 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: DC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 attended XXXX XXXX, a school that was closed due to fraud. I reached out the servicer about this. Nothing has been done. The servicer also on XXXX different occasions ( XX/XX/XXXX & XXXX of XXXX. The servicer reported loan late despite receiving timely payments. The servicer submitted two retraction letters to correct the issue. My credit suffered drastically. I have been denied refinancing opportunities and financially penalized because of this. And they continue to increase my payment. 

The balance is not accurate.

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 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a phone call from a family member today. That family member asked me what was portfolio recovery? I asked why and he said that he received a call from them asking about me. He asked how did they get his number and they quickly replied " I can't give you that specific information but only to say that this is an attempt to collect a debt ''. The representative at portfolio recovery asked him if he was my spouse. He answered by saying my spouse was deceased. I did not give anyone permission at this collection agency to contact anyone besides myself about any debts I allegedly owe. This should be against the law and illegal to disclose somebody's personal information to third parties no matter who they are. Portfolio recovery should be investigated and reprimanded for this type of practice. If harassing someone is illegal in the eyes of the law, then harassment from this agency should be as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: IL

Complaint narrative:
Experian has failure to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My personal and financial information was compromised without my authorization.The Family Educational Rights and Privacy Act, ( FERPA ) protects the confidentiality of student records and credit reports which was not upheld. This is a direct violation of FERPA and your responsibility to safe guard my information. I would like all debt, loan negative payments and credit removed 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 2025-03-28 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: LA

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

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

I demand the late payment to be updated.

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

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

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

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


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


Update the late payments from my consumer reports

Company 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC
State: VA

Complaint narrative:
The credit bureau 's are not deleting or investigating any of my credit reports. It has been over the XXXX  days and nothing has been deleted. I have asking for proof and my signature of these accounts with no prevail since XXXX of 2024. Starting with XXXX  XXXX, XXXX XXXX XXXX Bank, XXXX XXXX, XXXX XXXX DC XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX or incorrect balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
The collections company is saying that I owe them XXXX via their website and texts but on my credit report it says I owe {$160.00}. I also never signed a contract with this company so I am confused on why they are asking me for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
On the XXXX of XXXX of 2025 my annual fee went from {$250.00} to {$320.00}. I had no warning about this annual fee at all. So I called American Express on the XXXX XXXX of 2025 to see if we could get the situation straightened resolved because I was never notified through email or through written correspondence in the mail. The American Express operator said that they did send a notification through email over a year ago. In which I turned to see if there was any notification through email from American Express and there wasnt, I asked him why didnt you just mail me the annual fee noticed and then he said oh yeah, we did that too. I still have the card and will use it for my primary one until next year on my annual date so I can get whatever possibly money back that I can through customer perks and rewards. I can assure you that every levelheaded person if they saw that kind of increase in their annual fees, they wouldve canceled the card, American Express purposely didnt let people know about the annual rate increase so they could put more money in their pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have asked the XXXX for validation of debt however the information has not been provided, Due to my information being exposed I have submitted ftc complaint reporting the information I am not familiar with. 

Please find attached a copy of My Id, The FTC complaint, a copy of the Equifax report showing my information was impacted by the data breach and a validation of debit letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal demand for reinvestigation and correction of inaccurate, incomplete, and unverifiable information found in my XXXX credit report dated XX/XX/year>. You are hereby placed on legal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data reporting standards established by the XXXX XXXX XXXX XXXX ( XXXX ). Below, XXXX detail each disputed item, cite the relevant consumer protection statutes, and provide a formal demand for resolution. 

JPMCB Auto ( Account # : XXXX ) Issue : Listed as Wage Earner Plan and charge-off, though it was tied to a dismissed Chapter XXXX. Balance reporting is misleading and implies unpaid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
We purchased a Pursonic electric toothbrush on XX/XX/year> via the online website XXXX XXXX XXXX with our USBank XXXX. 

Upon receipt on XX/XX/year> we noticed the electric toothbrush would not power up and would not hold a charge. The Pursonic electric toothbrush was defective/damaged. 

We spoke with Pursonic customer service about the defective/damaged electric toothbrush and they advised us we was a 30 day guarantee on the electric toothbrush from the day we received it ( XX/XX/year> ). 

We mailed back the defective/damaged XXXX XXXX toothbrush via UPS tracking XXXX XXXX and it was signed for by XXXX on Tuesday, XX/XX/year> at XXXX West XXXX XXXX, New York XXXX New York XXXX XXXX 

We disputed the {$53.00} charge directly with USBank since we have been unable to successfully get a refund processed from XXXX. 

We filed disputes regarding the {$53.00} Pursonic charge with USBank on XX/XX/year>, XXXX via Customer Service Representative XXXX and on XXXX via Customer Service Representative XXXX. Each time the dispute case XXXX XXXX does not actively pursue a refund as requested each time. Very frustrating. We are very dissatisfied with USBank 's handling of our dispute with XXXX. 

We are due a {$53.00} Pursonic credit on our USBank XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX AUTO XXXX XXXX XXXX These XXXX are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: SC

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 2025-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I enrolled in XXXXXXXX XXXX  online program after being attracted by their advertised job guarantee, which stated that if I completed the course on time, I would receive job placement support or a refund. To pay for the program, I took out a loan through Climb Credit in late 2023. XXXX XXXX XXXX : {$12000.00} Unfortunately, I was unable to finish the course due to personal and health-related issues. However, during the time I was enrolled, the support promised by XXXX  was not delivered. My assigned mentor canceled multiple scheduled calls, and I struggled to get in touch with XXXX  advisors to keep me on track. This lack of engagement and support made it extremely difficult to complete the program as advertised. 

Despite not completing the course or receiving the career support I was promised ; Climb Credit began charging me monthly payments with interest. I have paid hundreds of dollars for a program I never completed or benefited from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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 2025-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I received a letter dated XXXX XXXX from Radius Global Solutions LLC in reference to account # XXXX in the amount of XXXX from a creditor AT & XXXX I called to dispute this account by asking for a validation of debt letter she told me I would have to pay for this service and tried to charge me XXXX. XXXX for this service. I told them they are in violation of the law. Then she proceeded to threaten me with court and that that they will get this XXXX by having my bank account seized for the amount within the next XXXX  days I still asked for this validation of debt letter they said no that I owe this debt and theyll get it XXXX way or another. Because I do not owe this debt because I dont know what they are talking about never had an account with at & t

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 2025-03-28 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: VA

Complaint narrative:
I'm submitting this complaint to address the misreported information that has been inaccurately included in my credit report. There are accounts listed that I have no association with, and it is evident that they are likely linked to another individuals profile. This erroneous reporting is harming my XXXX XXXX and has intensified my concerns regarding identity theft and fraud. This ongoing issue is a clear violation of my consumer rights and has severely impacted my financial reputation. It is unacceptable that I must deal with the consequences of these inaccuracies.

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