vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/year> I purchase a lawnmower from XXXX XXXX XXXX located : XXXX XXXX XXXX XXXX, CA I had applied for and was approved for a XXXX credit card to obtain a discount on my lawnmower purchase. Prior to receiving by mail the actual credit card from XXXX there were already fraudulent charges made on this particular card. ( My only purchase was the lawnmower ) I notified XXXX of the fraud and cancelled the card immediately. I was then notified by a collection agency of a 2nd credit card applied for at the same XXXX, the XXXX XXXX XXXX` Business Rewards card '' under the name of XXXX XXXX using my social security number and XXXX XXXX standing information ( I do not own a business named XXXX XXXX , I never applied for or consented to any such credit line or credit card ) the collection notice had over {$80000.00} in fraudulent charges! In addition, the fraudulent party had attempted to access my XXXX XXXX XXXX  account in attempt to make a transfer payment to American Express via a rejected ACH. ( Banking Fraud ) I notified my bank immediately and put the necessary safeguards in place. I also filed a formal police report stating identity fraud. I want to make clear I nor anyone I know applied for or made charges to these cards. The " Rewards '' card was never sent to me or received at my address. It is my belief that the the parties responsible for said fraud is likely employed by XXXX XXXX XXXX in the credit department using their customer credit applications and private banking information to access confidential information and commit to fraud, both identity and banking. I have been in constant touch with American Express who is under a constant " we are reviewing the matter '' mode. Further, American Express has stated they are no longer contracted with XXXX as they ( XXXX ) failed to obtain TIN ( Tax ID numbers ) when applying for or approving " The Business Rewards '' card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
I filed two disputes for the amount listed below and Chases response contained false information on both of their responses. I am attaching the documentation demonstrating that.

CHASE wrote : Charge for {$180.00} on XX/XX/year> : You initiated a dispute for {$160.00} of the total transaction. We confirmed that the merchant issued credits for, {$25.00}, {$26.00}, {$31.00}, {$32.00} and {$49.00} between XX/XX/year>, and XX/XX/year>, for a total of {$160.00}. You are not due any additional credits for this transaction.

RESPONSE : The cited amounts do not add up to the amount disputed ( they add up to more than the order total ), nor do they pertain to the same order number. The disputed charge of XXXX is for order XXXX. The {$25.00} Chase cited does not appear on the bank statements at all for the cited period between XX/XX/year>, and XX/XX/year>. 


CHASE wrote : Charge for {$140.00} on XX/XX/year>. You initiated a dispute for {$26.00} of the total transaction. We sent you a letter on XX/XX/year>, and XX/XX/year> to request additional information. We received the information from you on XX/XX/year>. We did not receive the necessary documents and removed the charge from the dispute by the date on the letters.

RESPONSE : attached are the documents from XX/XX/XXXX that were submitted through Chase disputes portal right after speaking with the associate on the phone. I later resubmitted the same documents again on XX/XX/XXXX after receiving a letter requesting more information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I am writing to complain against Concora Credit, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. On Wednesday XXXX i attempted to check in to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$600.00} on both my Destiny and indigo Mastercard. They both were declined after repeated attempts i called customer service on my cards and were told they would work within 30-minutes. Later, that evening the card was declined again at XXXX XXXX for {$56.00}. I called customer service again and asked to speak with a manager who's name was XXXX, he indicated because i was in another country that is why my cards did not work ... he continued to say " How are you in the XXXX if you charged {$7.00} in XXXXXXXX XXXX? '' After almost 1hr on the phone he said try the cards again tomorrow, they will work. Thursday XXXX I tried using both credit cards at XXXX and still declined. Upon arriving home i noticed they locked all of my cards including my milestone which i never attempted to use. I called on Monday XXXX and spoke to a manager who said they would turn the cards on... i told them how unacceptable this was and that i wanted something taken off of my charges for the inconvenience and that i wanted a higher up manager to call, they said okay i would receive a call the next day, which i did not. Today, Monday XXXX i attempted to charge {$150.00} on my card and again it got declined twice. I called customer service and they told me it was due to suspicious activity. I told them i want both cards closed and that i will be taking further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Immediate Cease and Desist Unauthorized Reporting and Violations of Federal Law To Whom It May Concern, This letter serves as formal notice and demand for the immediate removal of account # XXXX from all credit reporting agencies. XXXX XXXX XXXX XXXX and the credit bureaus have violated the following federal laws : 1. 15 U.S.C. 1692c Unlawful Communication : XXXX XXXX XXXX XXXX and the credit bureaus have unlawfully communicated regarding this account in a manner that is abusive and harassing, violating my rights under the FDCPA. 
2. 15 U.S.C. 1692g Failure to Validate Debt : XXXX XXXX XXXX XXXX has failed to validate the debt as required by law. No verification has been provided, and this account must be removed from my credit report immediately. 
3. 15 U.S.C. 1681e ( b ) Inaccurate Reporting : The information reported by XXXX XXXX XXXX XXXX is inaccurate, and they have failed to properly verify the account, violating the FCRA. 
4. 15 U.S.C. 1681 ( a ) ( 2 ) Duty of Credit Reporting Agencies : As credit reporting agencies, you are legally required to report only accurate and verifiable information. Your failure to remove this unverified account constitutes a direct violation of federal law.

5. 15 U.S.C. 1637 ( 2 ) ( 9 ) ( A ) Unlawful Debt Collection Practices : XXXX XXXX XXXX XXXX has no legal standing to report this account, violating multiple laws regarding debt collection practices. 
6. 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failure to Investigate : As required by the FCRA, you, as credit reporting agencies, have failed to conduct a proper investigation into the accuracy of this account. This is a violation of the law, and you will be held accountable.

I demand the immediate removal of this account and the cessation of all reporting to the bureaus. This account must be deleted from all credit reports within 24 hours of receipt of this letter. Failure to comply will result in immediate legal action, including arbitration and a lawsuit for damages, legal fees, and punitive damages. 
This is not a request ; it is a demand for immediate action. If this matter is not resolved within 5 days, I will initiate legal action without further notice. 
Sincerely, 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 2025-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC
State: GA

Complaint narrative:
In XXXX  Ive had an XXXX XXXX visit and months without works due to my diagnosis months later I Got a VERY long hospital bill that I couldnt pay so it went to collections CASCADE CAPITAL FUNDING , LLC got in touch with me very rude and hostile almost yelling at me through the phone that I owed them money and that I needed to set up a payment plan so I did payments of XXXX $ a month but every other day I would get harassed with phone calls by different people working for CASCADE that I owed a different amount then what I was I told a few days prior asking for money up front even after I told them that I already have a payment plan set up so I stopped making payments because nothing seemed ethical, Ive been getting phone calls, Texts and emails for 2 years straight with no end. they keep flagging my credit account and ruining my credit with all the collections I have by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The company OPORTUN opened a loan without my authorization, my sister stole my identification and opened this loan without my consent, when I learned about this fraud I filed a police report and a FTC report. I contacted Oportun 5 times, receiving no help from them. They lied to me several times that I would receive a package from them containing documents to fill out to report the fraud, which was never sent and they have given me several ticket numbers, all 4-5 of which have somehow disappeared from the system when i call back to follow up. they have not canceled the loan which continues to generate interest, and for which I have had to freeze my credit. I have also placed a fraud alert with the credit bureaus. But now i do not know how to deal with the loans with Oportun. To clarify, the lending company is XXXX, but I believe Oportun is the brokerage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute regarding inaccurate information on my credit report maintained by Experian. I understand that on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), including the failure to conduct proper investigations of credit report errors and the failure to remove inaccurate information from consumer credit files. 

In light of these allegations, I am requesting that the CFPB intervene to ensure that the following negative items are properly investigated, and removed if they are found to be inaccurate or unverifiable. 
Based on the allegations in the CFPB 's lawsuit against Experian, I believe the following violations have occurred in my case : Improper Investigation : Experian failed to properly investigate and resolve disputes related to inaccurate information on my credit report.

Failure to Provide Notice : Experian did not provide me with adequate written notice of the reinvestigation results, as required by law. 
Failure to Delete Inaccurate Information : Despite my dispute, Experian has failed to delete inaccurate or unverifiable information from my credit report. 
Improper Re-insertion of Information : Experian allowed inaccurate or previously deleted information to be improperly reinserted into my credit file.

Failure to Convey Disputes Accurately : Experian failed to convey my disputes to the original furnishers of the information fully and accurately, as required by the FCRA. 
As a result of these failures, my credit profile continues to contain negative information that should not be there, and I have been adversely affected by these inaccuracies.

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 2025-01-27 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: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Situation is : XXXX. I am buying another home to move my belongings and then sell my home. 
XXXX. I have about XXXX in equity in current house with EXCELLENT CREDIT, fully employed and assets XXXX in XXXX. 
XXXX. I contacted my current Mortgage company for last 9 years and requested to get equity line and it was stated on phone they could meet Closing date of XX/XX/XXXX. 
XXXX. I responded daily with any requirements with any information they required. 
XXXX. For the last XXXX days, they dragged feet and delayed process with daily minor issues they insisted to be resolved. ( as example a small credit card that is paid in full monthly had debt of {$430.00}. XXXX, which I then fully paid and provided them proof of payment even though not due till XXXX XXXX ) XXXX. I contacted everyone I could at Bank to escalate issue and try to expedite with no action all the way to XXXX XXXX level except they are looking into it. 
XXXX. I sold every investment I could to get liquid funds but still short by XXXX and another XXXX business day delay as of today

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 2025-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I have received several text messages of them trying to collect a debt, with no written communication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I Am Writing To Formally Dispute Inaccurate Information Contained In My Credit Report. Please Review This Letter Under The Guidelines Of The Fair Credit Reporting Act ( Fcra ), Which Mandates Credit Reporting Agencies To Maintain Complete And Accurate Information And Investigate Consumer Disputes In A Timely Manner.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: FIRST PORTFOLIO SERVICING INC
State: VA

Complaint narrative:
XXXX XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX XXXX  to send me a 1099 C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service Publication 4681 and the 1099C Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation