vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I used the Best Buy Citibank credit card to make a purchase under a promotional financing offer of 0 % interest for 18 months, with deferred interest if the balance wasnt paid off in full by the end of the term. I had autopay enabled on the account, assuming that it would help me stay on track and avoid any interest charges. 

However, Citibank does not provide any option to set autopay to cover the full promotional balance by the deadline, nor do they provide adequate notice if a customer is on track to miss that deadline. I received no email or in-app message warning me that I was at risk of being charged deferred interest, even though the final balance was small and the promotional period was ending. This charge appeared on my next statement without any prior heads-up. 

I reviewed all my communications and billing statements and found no proactive notification or warning from Citibank that I would incur deferred interest unless I paid off the full amount manually. The lack of transparency and absence of a basic safeguard ( like an autopay to avoid standard or deferred interest option ) feels like a trap, especially since other credit issuers do offer such features or give proper alerts. 

This happened in XX/XX/year>, and the deferred interest charge was for approximately {$300.00}. I would have paid the full amount on time if I had been clearly informed.

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 monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I reported fraud to my credit card company on XXXX in the amount of {$15000.00}, made in XXXX transactions made on XXXX. My credit card company denied my claim stating the chip was used and that it was verified that I had the card in my possession at the time of the transactions on XXXX. On XXXX, I had them re-open the case ( claim number XXXX was provided from Barclays ), I also submitted a complaint here ( claim XXXX ). When I originally called, the way they were stating questions was confusing and resulted in a multiple mistakes such as deactivating my mobile account access even though I did not request that, theyre claiming I stated that I had my card in my possession at the time of the transactions. I received an email stating that they would be in communication with me over email about the claim on XXXX, I responded to that email stating that they should not hesitate reaching out to me and provided my contact information ( email and phone ) on XXXX shortly after receiving the message. Without receiving an email like they stated they would provide, they quietly uploaded a form to my account stating the fraud claim was denied again on XXXX. I did not hear from them after opening the claim, they said they performed a " investigation '' and I'm concerned they are not taking this seriously and simply closing the investigation without doing so at this time because I did not make these purchases and the result of them not being fraudulent charges is absurd. I had them re-open the investigation on XXXX after seeing it was denied again ( claim number was XXXX ). I filed a police report with my local police department for the fraud charges, XXXX Police department they gave me Police Report number of XXXX on XXXX as my credit card company is not communication with me and trying to make me pay these fraudulent charges.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/year> Citibank and XXXX checked my credit without my permission on my XXXX  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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Continental Finance Company, LLC
State: UT

Complaint narrative:
I am filing a formal complaint against XXXX XXXX, the servicer of my XXXX XXXX. My account has been charged {$12.00} per month for credit protection, a service I never knowingly agreed to. The card was opened in XX/XX/XXXX, and the charge appears monthly on my statements, including the most recent billing cycle ( XX/XX/XXXX ). Over the last XXXX  months, this totals at least {$130.00} in fees, not including interest. 

I have tried repeatedly to cancel the service, but : There is no option to cancel credit protection via their website or mobile app. 
Ive called their customer service line multiple times, but XXXX put on hold for over XXXX minutes each time and can not get through to a representative. 

My statement shows XXXX being charged 35.90 % APR, and Ive incurred additional interest from this unauthorized service ( over {$120.00} YTD interest as of XX/XX/XXXX, per statement ). The inability to cancel has forced me to pay for a service I do not want and did not authorize, while also accumulating finance charges because I carry a balance. 

I am requesting that : XXXX. The credit protection be immediately canceled. 
XXXX. I be fully refunded for all credit protection charges since opening the card. 
XXXX. I be reimbursed for the interest that has accrued as a result of these charges. 


Sincerely, XXXX XXXX Account ending in : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, UT 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
I submitted multiple formal disputes to XXXX XXXX XXXXXXXX, requesting full validation of an alleged credit card debt. I asked for the original signed contract, the assignment chain, and proof that the debt is not time-barred under XXXX  Statutes 95.11 ( 3 ) ( k ). 

Despite repeated requests, they failed to provide legal validation, yet continued to send letters claiming the debt was valid and reported this matter to federal agencies. Their responses avoided key legal citations, and no new evidence was presented. 

This debt is disputed, unverified, and time-barred. They have made materially false statements in violation of FDCPA 1692e and failed to validate the debt per FDCPA 809 ( b ). As of XX/XX/year>, I served them a final notice of intent to sue via USPS, which they picked up at XXXX AM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
During the month of XXXX, I received several suspicious NOTICE ( S ) OF UNPAID ELECTRONIC FUND TRANSFER from a company called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ; tel XXXX ) regarding transactions that supposedly occurred on XX/XX/year>. 

The supposed creditor is XXXX XXXX, but no specifics are provided as to the services or products I supposedly received and failed to pay for. 

I assume the business is bogus because if it were the retailer XXXX, from whom I regularly buy products, those transactions are done onlineand no product or service is delivered until the company has received the appropriate funds electrically via my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-30 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: KS

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to report scam calls I've be receiving on my cell phone, from someone pretending to be from Chase Bank. I reported the incidents to Chase Bank and also to XXXX my cell phone carrier. This is the number which called me XXXX, on XX/XX/year> and on XX/XX/year>. I hope your agency can investigate these fraudsters and stop them from harassing people with these scams. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/year>, and unauthorized transaction in the amount of {$1400.00} was taken from my checking account and sent to a " XXXX XXXX '' via Wells Fargo XXXX service. I contacted wells fargo customer service to notify them of the unauthorized transaction, and a review for fraud was conducted. I received a letter dated XX/XX/year>, indicating the fraud claim has been denied, and the claim is closed. I have called wells fargo customer service, and requested to speak with their " Escalations Department. '' The escalation department provided no assistance, and advised my request for ducoment has been received and would take XXXX  days to receive via usps mail. I went to the Wells Fargo Bank in XXXX, XXXX  for further assistance. A banker named XXXX called me, and advised that my only option was to cc all their customer service, which is no help. I will file a police report for this fraud ASAP.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Account XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you send the proper notification, please provide XXXXCertified Mail ' with receipt displaying my signature. If not, please delete this account as soon as possible from my credit report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MA

Complaint narrative:
After checking my credit report ( s ) with XXXX XXXX XXXX XXXX I discovered that XXXX XXXX had reported the following inaccurate information : Acct # XXXX Alleged Amount Owed : {$720.00} Acct # XXXX Alleged Amount Owed : {$620.00} Acct # XXXX Alleged Amount Owed : {$930.00} Acct # XXXX Alleged Amount Owed : {$600.00} I sent XXXX XXXX via certified mail a Request for Debt Validation Pursuant to 15 U.S.C. 1692g ( b ). Attached is the letter I sent on XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: MS

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) for mishandling a legitimate paid account, failing to act appropriately in response to identity theft involving a second account, and violating consumer protection laws under the FCRA, TILA, and UDAP. 

Violations FCRA : Failure to report accurate and complete information ; unauthorized deletion of tradelines ; failure to correct disputed information after receiving proper notice. 

TILA : Failure to provide periodic statements and legally required disclosures for an account reflecting a transferred balance. 

UDAP : Engaging in deceptive and confusing practices in the creation, handling, and communication surrounding multiple accounts tied to the same balance. 

Summary of Events According to XXXX own documentation, a credit account reflecting a {$2500.00} balance showed a {$0.00} balance as of XX/XX/year>, with the billing statement thanking me for paying the balance in full. Despite this confirmation, XXXX  later reported the account as charged off for the full balance, significantly damaging my credit score. 

In response, I submitted a formal dispute requesting correction to reflect accurate payment history and closure. Instead of correcting the tradeline to Closed Paid in Full Never Late, XXXX  deleted the tradeline entirelyremoving years of positive payment history and compounding the damage. 

In XX/XX/year>, a new account reflecting the same {$2500.00} balance appeared in XXXX system. I received no disclosures, account-opening documentation, or periodic statements for this account. On XX/XX/year>, I made a {$100.00} payment in good faith, assuming the balance had been transferred from my original account. XXXX  accepted the payment, failed to issue billing statements, did not report the account to credit bureaus, and later removed it from my portal without explanationviolating TILA disclosure and servicing requirements. 

In XX/XX/year>, I received a letter dated XX/XX/year>, stating that XXXX  had sold a credit card account with the same {$2500.00} balance to a third-party collector. I submitted a formal fraud dispute and an FTC Identity Theft Report. 

After receiving my XXXX  credit report in midXXXX, I discovered that XXXX  had deleted the original tradeline entirely rather than correcting the reporting. On XX/XX/year>, I contacted XXXX  again to request that the account be reinstated and reported accurately. To date, there has been no resolution or update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation