vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against [ Creditor Name ] regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : PNIX REC GRP Account Number/Reference Number : XXXX Date the Account Was Opened : XX/XX/year> I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with PNIX REC GRP, buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
Upon checking my credit report, I identified some incorrect information. The three credit bureaus are obliged to verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to report unverified accounts without providing proof within the required period by law. Please investigate and correct the following accounts listed on my credit report : 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
Consumer complaint received 2025-03-20 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
They claim that I owe {$30000.00} to XXXX XXXX XXXX XXXX, in XXXX It first appeared in collections on credit report, with XXXX, I called XXXX and the young lady told me that I would have to ask the DEBT collector and she could not very the debt, So I called the XXXX  debt collectors and I was told to either admit the amount or stay silent, later in XXXX I received a letter telling me to claim the debt or if I didn't they were going to assume that it is mine, but they can not sue me as per the state of Texas says they cant sue for a debt over XXXX XXXX XXXX, This is well over XXXX XXXX XXXX it appears.then I started receiving text messages and calls from XXXX XXXX stating that there is an case filed against me and that I need to respond to file legal complaints form different numbers and text numbers and letter mail, text messages addressed to my ex wife as well.As per XXXX credit this fall off my credit report in XXXX XXXX wish them to stop calling texting and threatening me, they can give it back to the original creditor, XXXX they stated.It is a Zombie Debt, and well over XXXX XXXX XXXX, and also I want this off my collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. 
Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference. 
A written confirmation verifying that these late payments have been removed. 
A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

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 2025-03-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. 
Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference. 
A written confirmation verifying that these late payments have been removed. 
A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Capital One regarding my credit card account ( opened in XX/XX/XXXX ) and the handling of my recent inquiry about my annual percentage rate ( APR ). 

On XX/XX/XXXX, I spoke with a customer service representative named XXXX, who informed me that my APR is currently 21 %. He stated that this has always been my APR. I would like to note that I have consistently paid my bills on time, and my account is currently in good standing with a balance of under {$30.00} and a credit line of {$5000.00}. Additionally, I have an excellent credit rating, which further supports my request for a lower APR. 

XXXX transferred me to a senior account XXXX named XXXX. During our conversation, I expressed my concern about the high XXXX and requested a reduction. XXXX informed me that she could not lower my APR, stating that her superior only handled administrative tasks and did not take calls. She did not provide a satisfactory reason for declining my request, other than stating that she simply could not make that change. She also mentioned that there are no direct contacts to the corporate office available to her. 

When I expressed my dissatisfaction and mentioned the possibility of closing my account, XXXX stated she could cancel my credit card for me. Although I considered this option, I ultimately decided not to cancel my account, hoping that my loyalty would be recognized and that my concerns might be addressed. However, I was left feeling that Capital One would rather lose a long-term customer than engage with my legitimate concerns regarding the XXXX. 

The 21 % APR significantly impacts my financial situation, making it difficult for me to manage my expenses and accumulate savings. With such a high interest rate, I am concerned about the potential for increased debt, especially if unexpected expenses arise. I have researched competing credit cards that offer significantly lower APRs, which I could easily switch to if my current situation does not improve. 

Given my long-standing history with Capital One, my consistent on-time payments, my excellent credit rating, and my loyalty as a customer, I believe it is reasonable to request a review of my APR. I hope that my loyalty will be recognized and that I can continue my relationship with Capital One under more favorable terms. 

I am disappointed with the lack of support and resolution from Capital One. I am filing this complaint to seek assistance in addressing my concerns about the high XXXX and to highlight the inadequate customer service I experienced. 

Thank you for your attention to this matter. I hope to see a resolution that reflects a commitment to customer satisfaction. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Chase Sapphire Preferred credit card on XX/XX/year> online. My credit was frozen, as I normally have it frozen, and I unfroze it for the credit inquiry that was confirmed on XX/XX/year>. After 9 days with no updates, I was notified on XX/XX/year> that I needed to upload documents to verify my identity. I submitted a clear, unobscured photo of my XXXX passport as well as XXXX mail showing my name and address. I called days later with no updates. Finally, I was informed that they could not verify my identity because my submitted photo did not meet their standards, or that it XXXX have been too blurry ( even though it was completely clear and legible in its entirety ). They informed me that going in-person to the branch was the best method of verifying my identity. I went in-branch on XX/XX/year> and for over an hour worked with a banker ( whose name I have ) who spoke with multiple people on the phone and verified my identity and re-submitted the same documents ( US passport and XXXX mail XXXX that I had submitted initially. Today, XX/XX/year> I received mail that I XXXX be a victim of identity theft and that they denied my application because they suspect that I did not apply, AFTER I went in-person and answered each question without fail and provided proof of identity multiple times. I sat with another banker ( whose name I also have ), who called Chase credit card services in front of me multiple times and was repeatedly redirected. Finally, one of the members asked her to confirm my identity ( I provided my US passport, Chase debit card, CA driver 's license ) and she did. The phone rep then asked to speak with me. I answered multiple questions to verify my identity. At this point, the rep told me that she was attempting to " access my application '' but was receiving an error and asked if my credit was frozen ( which I re-froze after the initial credit inquiry on XX/XX/year> ). To my understanding, this was her initiating a SECOND credit inquiry without my consent or knowledge, which was obviously denied. This phone call is recorded, so it can be found via Chase. She then requested that I unfreeze my credit and call her back. After unfreezing my credit, the branch banker I was sitting with called them only to be met with information regarding their hours, as they were closed for the day. She, trying to help, suggested that I re-apply tomorrow in-person. I do not want to do this, because I have already wasted over a month trying to obtain this credit card, provided information without fail multiple times, and have dealt with a credit inquiry which has already affected my credit. The whole process was incredibly difficult and infuriating, with minimal help or information, and the possible attempt at a second inquiry without my consent has me livid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I woke up and my cashapp was stolen. Someone took all my information off and kicked me out. They sent themselves the money I had in my cashapp and then unlinked their bank account. I called cashapp FIVE different times to get access to my account and they couldnt get me back in. They have the worst fraud protection and customer service. One of them told me to try again in two hours. The other told me two days. I waited two days and they finally got me into my account but my money was gone. I requested an investigation be started to get my money back and find the bank info of the person who took it. They told me itll take 10 days. When they replied they said they closed my investigation because I authorized a payment and I didnt!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
My account 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
My account 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.

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 2025-03-20 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: NY

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 non-monetary relief
Consumer complaint received 2025-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation