vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: PA

Complaint narrative:
XXXX flagged my account with a restriction after their app said there was an error when I was trying to deposit {$25.00} from my verified bank. It didn't even get to XXXX XXXX of trying to withdrawal anything. I didn't do anything to violate any terms. I've already used this account in the past to deposit and withdrawal. I only clicked to do it XXXX time and there was an unknown error and it immediately flagged me for a restriction. Then I did it again because the first transaction didn't go through and it went through fine even though my account was already supposedly restricted, which also doesn't make sense. They emailed me that they had to review my account because of suspicious activity which I wasn't worried about because I'm the only XXXX using it, I don't use a proxy or VPN, I use XXXX with biometrics and I closely monitor my account so it hasn't been hacked or even attempted to being hacked. But the restriction said I couldnt withdrawal my own money back to my bank. I wasn't in a rush to do that but so it didn't bother me. Today. It'd been more days than the email said it would take for a review at the XXXX timeframe, so I reached out to their chatbot. It gave me standard bs like check your email for updates which of course I had none but then it locked my acct entirely for trading, so now I'm watching my entire investment go down the XXXX as this XXXX I'm 100 % in on during scalping / spot trading crash down, and it won't let me turn it back into USD. I'm going to lose all my money, and I know these XXXX aren't going to refund me even though the entire thing was their own freaking faulty app and their own trashy service. I haven't violated a single thing. These guys are absolute criminals and should be put out of business. At this point I just want my money back so I can leave the platform and try to forget this piece of XXXX company ever existed until XXXX day theyre out of business due to these kinds of fraudulent practices.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: World Acceptance Corporation
State: MO

Complaint narrative:
According to 15 usc XXXX I have the right to dispute inaccurate and unverifiable Information thats on my credit report. I disputed multiple times with credit bureaus and its coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2025-05-16 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: AZ

Complaint narrative:
This is a follow-up complaint concerning the inaccurate late payment reporting by XXXX XXXX ( Account Number XXXX XXXX ) on my Experian credit report. Despite prior disputes, this account continues to report a past due balance of {$0.00}, which is misleading and potentially damaging to my credit profile. Under 15 U.S.C. XXXXi, Experian is obligated to ensure maximum possible accuracy in credit reporting, including correcting any inaccurately reported payment statuses. 

Failing to accurately update this account to reflect a XXXX past due balance misrepresents my financial responsibility and can lead to unjustly lower credit scores, higher interest rates, and overall financial disadvantage. This careless reporting undermines my credibility as a borrower and violates my rights as a consumer, causing unnecessary emotional and financial distress.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-16 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: AZ

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 2025-05-17 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: Chime Financial Inc
State: WA

Complaint narrative:
I am writing to report an issue with Chime concerning their failure to update my credit report following the closure of my secured Chime Credit Builder Visa Credit Card account, as communicated in their email dated XX/XX/XXXX. In the email, Chime Member Services ( XXXX ) informed me, that my account was closed due to missed payments exceeding 60 days and could not be reopened. They stated that they had adjusted their records to reflect a {$0.00} balance owed, with the account considered paid in full, and no further payments required from me. Chime also noted that it could take up to 60 daysuntil approximately XX/XX/XXXX, XXXX consumer reporting agencies such as XXXX XXXX, and XXXX to update their records to reflect this settled status. However, as of today, XX/XX/XXXX, more than two years later, my credit report still does not reflect the updated status of this account as closed with a {$0.00} balance, despite Chimes assurance that they would report this information. This discrepancy is negatively impacting my credit score and financial opportunities, and I believe Chime has failed to fulfill their obligation to accurately report the accounts status to the credit bureaus. I request that the CFPB investigate this matter and ensure Chime corrects the reporting with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was shocked XXXX discover an unauthorized inquiry on my credit report today, XXXX I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, XXXX I need it addressed without delay. I am requesting a thorough review of my submitted documents XXXX  ensure this never happens 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is a follow-up complaint regarding the inaccurate late payment reporting by XXXX ( Account Number : XXXX ) on my Equifax credit report. Despite prior disputes, this account remains incorrectly reported with a past due balance of {$0.00}. Under the FCRA, specifically 15 U.S.C. XXXXi, Equifax is required to ensure the accuracy of all consumer credit information and must promptly correct or delete any information found to be inaccurate or unverifiable. 

Continuing to report this account as past due when the balance is clearly XXXX is a blatant error that significantly impacts my creditworthiness, leading to potentially higher interest rates and financial hardship. This inaccurate reporting not only reflects poor data management but also exposes Equifax to potential regulatory scrutiny for failing to adhere to federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 writing to formally notify you that I am a victim of a data breach and identity theft. As a result, fraudulent accounts have been opened in my name without my knowledge or consent. 
In accordance with the Fair Credit Reporting Act, specifically 15 U.S.C. XXXX ( a ), I am requesting the permanent deletion and blocking of all accounts and information on my credit report that have been identified as resulting from this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: IA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting this follow-up complaint regarding the ongoing inaccuracies associated with the XXXX XXXX XXXX XXXX Account Number : XXXX ) account, which is currently being reported as having a past due balance of {$0.00} on my XXXX, XXXX, and Equifax credit reports. Despite this account being closed, the continued reporting of a past due status is both misleading and inaccurate, violating my rights under the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i, the credit bureaus are required to conduct a reasonable reinvestigation of disputed information to ensure the completeness and accuracy of the data being reported. However, despite previous attempts to correct this error, this account continues to reflect an incorrect past due status, which significantly damages my creditworthiness and financial stability. The presence of this erroneous information has not only led to unnecessary financial stress but has also hindered my ability to access favorable credit terms and financial opportunities. 

Given the increasing concerns about data breaches and the potential for unauthorized data exposure, I expect a more diligent and comprehensive approach to verifying the accuracy of my account information. This ongoing error suggests a failure to uphold the basic standards of accurate and fair reporting, further undermining my confidence in the reliability of these credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Signed up for a Citi Bank account about XXXX and XXXX months ago, the link I clicked on was a Citi Bank ad with XXXX options, {$320.00} bonus for {$3000.00} in direct deposits and the other was for an investment account for a {$1500.00} bonus, I chose the XXXX XXXXXXXX for {$320.00}. They confirmed that I met the requirements but say the promo isn't on my account I still have the same link I was sent to be referred, and I've met the requirements they aren't honoring bonuses

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to dispute the inaccurate late payment reporting for the following accounts on my XXXX, XXXX, and Equifax credit reports : XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX  ( Account Number : XXXX ), both reflecting a balance and past due amount of {$0.00}. These entries are inaccurately impacting my credit profile despite being closed with no outstanding balances. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I have the right to dispute any inaccurate, incomplete, or unverifiable information reported about me, and I am exercising that right to request immediate correction of these entries.

Reporting closed accounts as late, despite a {$0.00} balance, is misleading and unfairly damages my creditworthiness. This has caused unnecessary stress and frustration, as I have taken responsible steps to manage my finances, yet these inaccuracies persist. It is deeply concerning to find such errors, which could potentially be the result of a data breach or mishandling of my personal information, leading to the misreporting of my payment history. Given the significant impact these errors can have on my ability to obtain fair credit terms, housing, or employment, I expect these inaccuracies to be addressed promptly and thoroughly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am receiving complaints from multiple family members that they are being contacted by phone regarding a debt in my name. The caller ( from XXXX ) has reached out to at least XXXX relatives asking for my whereabouts. I find this inappropriate and a violation of my privacy under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from discussing my debt or contacting third parties multiple times. 

I have not received a written notice about this debt, and I do not consent to my family being contacted on my behalf. I request that this company cease contacting any third parties and that all communications be directed to me only and in writing.

Company response to consumer: Closed with non-monetary relief