vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I disputed a {$100.00} charge for Collision Damage Waiver ( CDW ) on my Best Buy Citi credit card from XXXX XXXX XXXX because the rental terms I agreed to when booking through a third-party platform ( XXXX XXXX ) were not honored at the time of pickup. The booking confirmation explicitly stated that CDW coverage was optional. I declined the $ XXXX CDW during booking, and the platform indicated I could either accept liability or provide coverage through my credit card. 

XXXX 's policy explicitly states that its terms, including insurance requirements, apply only to direct bookings made on its website ( XXXX XXXX XXXX XXXX Third-party bookings must follow the terms of the platform used to make the reservation ( XXXX XXXX ). 

However, upon arrival at XXXX XXXX XXXX location, the agent informed me that they would not release the vehicle unless I purchased CDW coverage for {$100.00}. XXXX disregarded the third-party terms and enforced its internal policy insteada clear bait-and-switch. Because I didnt have full coverage auto insurance, I had no choice but to pay the CDW charge under duress to avoid forfeiting my {$190.00} non-refundable rental reservation. 

What did the company do in response? 

Citi denied my dispute, categorizing it as a billing error and stating that the merchant rendered the service. They failed to review the core issue, which is a services not as described case involving merchant misrepresentation. I submitted documentation proving XXXX mandatory CDW contradicted the optional CDW terms I agreed to. Citi never addressed this discrepancy in their response.

I attempted to submit a follow-up through Citis online dispute portal to request a re-review under the correct category, but the system returned an error each time. I am now turning to the CFPB for help in resolving this unfair charge.

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 2025-06-24 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$470.00} ; XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$490.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On Around XX/XX/2020 XXXX Pandemic I wasn't able to make payments of around XXXX XXXX monthly payments and respectfully requested XXXX in XXXXXXXX XXXX to lower payments and make it affordable. XXXX dealership stated to me that payments was going to be affordable around {$300.00} a month, but XXXX XXXX XXXX lied to make a sale. 

I even try to trade the XXXX vehicle but dealership refuse to trade it in for a affordable vehicle. 

XXXX XXXX banned me from XXXX XXXX XXXX because of my file Federal complaints against them. 

XXXX Retaliated and Discriminated against me because I am XXXX Lifetime and my XXXX background.and me filing Complaints with Consumer Finance Protection Buraue and US Department of Justice ADA I wasn't able yo obtain a Attorney to sue XXXX XXXXXXXX XXXX  on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against Experian Credit bureau for their failure to conduct a thorough investigation of my dispute and their noncompliance with applicable consumer protection laws. 

On XX/XX/year>, I submitted a detailed letter and supporting documents to Experian in connection with my ongoing dispute, identified by complaint number XXXX. I have confirmation that Experian received these materials on that date. Despite this, Experian claimed to have completed an investigation and emailed the results to me on XX/XX/XXXX, XXXX XXXX days after receipt of my documentation. 

They emailed me with the results six times, but the results can not be read online because the documents were mailed and certified. 

I contend that it is highly improbable, if not impossible, for Experian to have conducted a proper, thorough investigation within such a short timeframe, especially given the complexity and volume of the information I provided. Furthermore, no written results or notification was ever sent to my mailing address, as required by law. I am entitled to receive a copy of the investigation results at my mailing address. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), Experian is obligated to conduct a reasonable investigation of my dispute and provide me with a written summary of the results. Their actionsor lack thereofconstitute a violation of these legal requirements. 

I respectfully request that the CFPB initiate a full investigation into Experians handling of my dispute and ensure that Experian complies with all legal obligations, including providing me with a written summary of the results at my mailing address.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have had XXXX XXXX XXXX XXXX since XX/XX/XXXX. This credit card has been reporting to XXXX credit bureaus, Equifax and TransUnion, but not Experian. I reached out to XXXX back in XXXX or XX/XX/XXXX to have my credit activities reported to Experian. I was informed via phone call that this have been requested. By XX/XX/XXXX, it still not showing on my Experian credit. I have contacted Experian and was informed that I need to dispute online, which I have. I have also sent them a letter in XX/XX/XXXX and was sent back with the letter confirming that my dispute has been resolved. As of today, my credit card is still missing from the report, causing me to get all my credit card applications to be denied due to no credit card history.

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 2025-06-24 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-06-25 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I ordered teeth aligners and nobody would ever return my calls or give me information on why I haven't received my order so I canceled then received the order XXXX weeks late but had already canceled the order, I sent the order back when I received it. When they dont give you any information on what's going on with my order why continue with the purchase and seemed like a scam at that point. It never should have hit my credit cause the order was canceled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Subject : Dispute of Credit Reporting under 15 USC 1692g Request for Validation of Debt Dear Credit Reporting Agencies / Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the accuracy and validity of a credit card collection account appearing on my credit report. The account in question has been placed with a third-party debt collector, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and under the Fair Credit Reporting Act ( FCRA ). 
Account Details ( as listed on my report ) : Creditor : XXXX XXXX IN Collection Agency : CREDIT COLL Date Opened/Reported : XX/XX/year> Under 15 U.S.C. 1692g, I hereby request that you verify and validate this debt by sending : Assignment contract or full chain of assignment, Bill of sale from original creditor with identifying account details, Account level documentation signed contract, statement, Charge off details, Proof of licensing and bonding to collect in the state of Texas, Full breakdown of how the balance was calculated ( principal, interest, and fees ). I do not acknowledge ownership of this account, nor do I concede to the accuracy of any details associated with it. Until the debt collector furnishes proper validation of the debt including the Assignment contract or full chain of assignment, Bill of sale from original creditor with identifying account details, Account level documentation signed contract, statement, Charge off details, Proof of licensing and bonding to collect in the state of Texas, Full breakdown of how the balance was calculated ( principal, interest, and fees ) I am requesting the removal or suppression of this account from my credit file with your bureau. 
Additionally, under the Fair Credit Reporting Act, I request that a full reinvestigation be conducted under 15 U.S.C. 1681i, and that all supporting documentation related to the reporting of this account be provided to me in writing.

If the account can not be verified within the required timeframe ( 30 days from receipt of this letter ), I request that the account be removed immediately from my credit report as unverified, as required by federal law. 
Please mail me confirmation of the results of your reinvestigation, as well as a copy of my updated credit report reflecting any changes. 
Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OR

Complaint narrative:
I purchased a square terminal for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have an active LLC, i am fully insured and have the correct licenses to run my restaurant but they denied my verification and will not provide details on why or remedy in any way. I have provided them with everything needed. 

I followed the instructions on setting up a menu in square, i accepted payments and now they are closing my account and will not let me access my funds for XXXX days. 

Verify before you accept payment. I think they have an algorithm to hold monies of anyone not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom It May Concern : This letter is my final communication in regarding the inaccurate entry being reported under XXXX XXXX. Bankruptcy : XXXX XXXX Case Number : XXXX I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX substantiating their claims. 
Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Reporting for Account with XXXX  To Whom It May Concern, I am writing to formally dispute inaccurate and contradictory information being reported on my Experian credit report regarding the following account : Creditor Name : XXXX Account Number : [ Insert Account Number as listed on your report ] Date Opened ( per report ) : XX/XX/XXXX After reviewing my credit report, I have identified multiple reporting discrepancies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). These include but are not limited to : 1. Incorrect Payment History Dates : The payment history chart reflects a paid as agreed status in XX/XX/XXXX, even though the account is listed as opened in XX/XX/XXXX. It is impossible for payment activity to precede the reported open date of the account. This is a factual inconsistency. 

2. Conflicting Last Payment Dates : The account details state the last payment was made on XX/XX/XXXX, yet the payment history chart shows that the last payment was in XX/XX/XXXX, followed by consecutive late payments beginning in XX/XX/XXXX and leading into repossession status as early as XX/XX/XXXX. If the account has been in continuous repossession status since XX/XX/XXXX, how could a payment have been made in XX/XX/XXXX? 

3. Missing or Misleading Repossession Date : While the account is marked as a repossession, the official status date of repossession is not provided in the primary account details. The only indication of the repossession status appears on the payment history chart starting in XX/XX/XXXX and continuing through XX/XX/XXXX, despite the balance being updated recently on XX/XX/XXXX. This prolonged and unclear status is both misleading and detrimental. 



These inconsistencies not only misrepresent the true nature of the account but may also negatively impact my creditworthiness. Under the FCRA ( 15 U.S. Code 1681i ), I am requesting that Experian/Equifax conduct a full reinvestigation into this account and either : Delete or correct the inaccurate information from my credit report immediately. 



Please send me a written confirmation once the reinvestigation is complete, and provide an updated copy of my credit report reflecting any changes made. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make a report containing any of the following items of information Any other adverse item other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: January Technologies, Inc
State: MI

Complaint narrative:
Sold the debt to multiple companys without telling me, I called to do a payment plan or pay off the debt and they told me they dont have a server for the debt yet so theres nothing they can do now but will sue. 
Continue to give me zero communication of who owns the debt and how to fix it even when I call. 
Dates also make zero sense as some are from XXXX, XXXX etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: VA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief