vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-04-05 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Brett M. Borland, P.C.
State: NC

Complaint narrative:
I have received calls from the Law Office of Brett M. Borland. I have missed most calls, as they always reach out during my work hours but I do attempt contact back at my earliest convenience. My first voicemail received from whomever is my account manager was extremely rude and confrontational. You need to call me back right now so we can discuss this debt. I have attempted calling him back at least 10 times, and have not yet spoken with him. I spoke with another representative who advised me that they were willing to make a settlement on the balance, however the account manager is the only one who can do so. The account balance is also being reported as XXXX higher than it should be. I have left messages for him to call me back, left multiple inquiries on their website begging for proof of debt and a place to make payment to progress the account. I have gotten nothing from them, the account manager chooses not to call me back and never answers the phone when I call. No one else can help me beyond general information, and this issue has caused me to become permanently homeless. I can not resolve the debt, verify it, or get any beneficial information on it. Theyve completely blocked my access to this account, and my life is becoming increasingly difficult because of it. Not a single person will rent to me and with not even reporting the correct total balance, this has completely ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: CITIBANK, N.A.
State: MD

Complaint narrative:
MACYS/CNBA is violating my rights with UNLAWFUL CREDIT REPORTING UNDER 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), FCRA, AND 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 non-monetary relief
Consumer complaint received 2025-04-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-04-05 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: PA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$40000.00} XXXX - XXXX XXXX  - XX/XX/XXXX XXXX {$0.00} XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$220.00} XXXX - XXXX - XX/XX/XXXX - {$390.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1900.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$140.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : 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 2025-04-05 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: PA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$40000.00} XXXX - XXXX XXXX  - XX/XX/XXXX XXXX {$0.00} XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$220.00} XXXX - XXXX - XX/XX/XXXX - {$390.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1900.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$140.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I get XXXX checks every month and in the months of XXXX and XXXX of XXXX I was unable to access my account. I was unable to withdrawal my XXXX payments from my account. I called Chime to find out why. I thought it was me and I had forgotten my password so I asked the customer service rep. to help me get back in. She started asking me security questions to verify it was me. One of the questions asked was what state did I live in in XXXX. Now I don't remember what state I was in, I was only XXXX years old in XXXX. So of course I answered wrong. So then she told me that she was sorry but she could not verify from the information that I gave her that I was me because I answered that question wrong. So then she proceeds to let me know that she could still help me change my password. I asked her how she could go about doing that since she could not verify who I was. She was unable to give me an answer. After that I asked how I was going to get my money if I couldn't get into my account and that's when she told me that my account had been frozen due to Chime thinking that the deposits were fraudulent. So I had to go to social security and change my direct deposit and I have not yet gotten my checks for XXXX and XXXX. They should still be in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing a formal complaint against XXXX XXXXXXXX XXXX  and Affirm , Inc., regarding a baseless claim made against me and the unlawful withholding of funds amounting to {$450.00}. 

On the date of the incident, I checked into a XXXX XXXX in XXXX XXXX. After approximately XXXX hours in the room, I was abruptly asked to leave based on an unverified accusation that I had been smoking XXXX in the room. I did not engage in any such activity. XXXX XXXX refused to refund my money and failed to provide any evidence to support their claim. Despite repeated requests, XXXX XXXX has never provided the following : Photographic evidence of alleged damages Smoke detector alarm report or activity log Time-stamped video surveillance footage of my departure Witness statements or any form of written incident report I disputed the charge with Affirm, who financed the booking via XXXX  Rather than investigate the claim properly and hold XXXX XXXX accountable for supplying evidence, Affirm wrongfully placed the burden of proof on me, asking me to provide evidence to disprove an incident that never occurred. As a consumer, I should not be expected to provide evidence against myself for a claim I did not make. 

There is no evidence for me to supply because nothing happened. The claim is false, and all relevant documentation should have been requested from XXXX XXXX by Affirm and XXXX. Affirms failure to conduct a proper investigation is negligent and is resulting in ongoing harm to meincluding damage to my credit and emotional distress. 

I have already been told by an Affirm representative XXXX XXXX XXXX ) that this dispute was reopened and that no payment would be due while it was under review. However, the matter remains unresolved, and I am still being asked to pay for a service I did not receive due to false accusations made without proof. 

I am demanding that this case be closed immediately in my favor and the {$450.00} be refunded. 

If not resolved, I will pursue all available legal remedies, including filing a police report with the XXXX for potential consumer fraud and escalating complaints to state and federal regulators. 

Dispute Information : Affirm Case Number : XXXX Affirm Loan ID : XXXX Amount in Dispute : {$450.00} Thank you for your time and attention to this matter. I respectfully request your assistance in holding these companies accountable and ensuring this dispute is resolved fairly. 

Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX Date XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I made a purchase at a website... XXXX I placed XXXX orders at {$46.00} each on XX/XX/year>. The item has never shipped. When I began searching online about XXXX XXXX XXXX, I found that the company has been closed for years. Their website is still up and taking orders... but no item ever ships. No customer service is available to cancel orders or refund purchases. 

I used my Cash App card to make the purchase. I filed a dispute with Cash App and they deny my dispute stating ... '' the merchant fulfilled their obligations for the goods/services associated with this transaction. '' I need a refund for this order that has not been fulfilled because the company is non-operational except for the website that is still taking money from unsuspecting customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate and unjust late payment notations on my credit reports for the above-referenced accounts, reported during the XXXX pandemic period ( XX/XX/XXXX XX/XX/XXXX ). Also they are violating my rights according to the following laws : 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 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

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 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've never opened this account and never authorize anyone else to as well and have tried to dispute it with the company and credit bureau and all they say as far as the company is I can set up a payment plan when im telling them its fraud. And the bureaus just keep saying it came back as verified and im trying to see how when keep claims its not im I didn't do this. pleasehelp me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer credit report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 



Inquiry Name Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation