vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: Self Financial Inc.
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered XXXX XXXX as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I sent money and realized I got scam and when I went to cash app they couldnt help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
Account Name XXXX XXXX  XXXX Date Opened XX/XX/XXXX Credit Limit {$200.00} Status Paid, Closed. 
Status Updated XX/XX/XXXX Account Name- XXXX XXXX Original Balance {$530.00} Status Paid, Closed. 

XXXX XXXX XXXX Account Name -XXXX XXXX Original Balance {$3100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$1000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  Balance Updated XX/XX/XXXX Date Opened XX/XX/XXXX Original Balance- Status Closed. {$860.00} written Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I was in XXXX and took a cab from the center of the city to the airport. Upon arrival at the airport, I gave the cab driver my credit card. He had the card for 2-4 minutes. He handed the card back to me and I asked for a receipt. He indicated that he could not provide the receipt. It was XXXX and we needed to clear security ( 2 hours prior to departure ) and I left the cab with my card and no receipt. I cleared security and went directly to the XXXX XXXX XXXX XXXX XXXXXXXX ). When I arrived home on my statement there was no charge for the cab ride. There was however a charge of XXXX for clothing at a store for clothes at XXXX. It was impossible for me to make this purchase since I was in the airport and in the lunge waiting to go to my gate. I provided to CITI a photo showing the meter ( when he indicated that he could not give me a receipt, we took a picture of the meter in hopes of getting reimbursed by my organization ). I have called CITI three time, the matter has been " escalated '' and denied ( formal letter sent to me ). I am absolutely at the end of my rope trying to get this resolved.

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 2025-02-03 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-03 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-03 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am being charged an unfairly high interest rate of XXXX XXXX APR on purchases. My XXXX XXXX and report are in good/excellent standing. I should not be paying this much. I want an outsourced ( outside of Chase bank and affiliates ) audit and investigation because I feel I am, as well as others like me, are being racially discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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:
RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to 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 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
I have not received ANY notification or communications related to this debt. My husband 's name is also on this debt, they have called him repeatedly but do not leave any sort of message or communication. When he did answer, he requested their information and reason for their call, and they hung up on him on multiple occasions - to the point we thought it was a scam. We have not received a written notice from them at all via email/mail, nor have they even attempted to even contact me. They have not followed the necessary protocols when it comes to debt collection. We have no way of disputing the debt, nor do we know anything about the company or the debt itself for that matter. The only reason I know the name of the company, is because it reported on my credit report today. Very disappointed in the way this company has conducted business and know our rights as a consumer have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2025, I received a call from a bunch of scammers spoofing me as XXXX agents and deporting me back. I was asked to buy gift cards from stores like XXXX XXXX, XXXX, XXXX and XXXX as " secure bonds '' for collaterals in the immigration documents to bring a stay to my deportation. They led me to websites where they showed me actual uscis.gov websites supporting the said information and the forms looked very real. They also knew my location at all times and had me on a digital arrest the whole time, not allowing me to seek help or consult with anybody during this time. They knew sensitive informations relating to my recent travel along with my employment status and blackmailed me at the time with constant state of fear of deportation and me losing my accolades. They made me buy XXXX {$1500.00} gift card from XXXX {$1200.00} from XXXX, {$2400.00} XXXX XXXX and {$500.00} from XXXX. After buying these cards, they would ask me to scratch the cards and with all the details displayed, send them pictures of these cards to the number where they were asking me to send my documents to " attach to the forms ''. After, I tried to get out of the scam, I filed a police complaint and also contacted the banks to stop the payments but they did not stop these transactions in any way or form. {$2700.00} worth of the transactions were made by my XXXX XXXX XXXX  and the rest were made by my chase debit card via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute a late payment incorrectly reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure all information reported about me is accurate. I request that you investigate and correct the following discrepancy : Account with Late Payment Discrepancy : Creditor Name : Capital One Account Number : XXXX Reported Late Payment Date : XX/XX/year> I have consistently made timely payments, and I believe this late payment notation is an error. I was not notified by my bank within 30 days ; I received the information upon checking my credit report. 

According to FCRA ( 15 U.S. Code 1681s-2 ), creditors must report only accurate information. Please provide documented proof verifying this late payment, or remove it from my record immediately. 

Please investigate this matter within the legally mandated 30-day period and update me with your findings. If you need any additional information from me to proceed, feel free to contact me at the details listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is blocking me from accessing my Experian account. I have know way of accessing the account at this time. I've called to speak to a agent and there was no way to get into my account because the automated system doesn't give you the option to speak to a agent or to get into my account. I called there business line and still wasn't able to get into my account after talking to a agent still wasn't able to access my account. 
my Experian account is frozen and needs to be lifted and I'm being denied access to the account to unfreeze the account.

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 2025-02-03 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information 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 explanation
Consumer complaint received 2025-02-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Regarding Misuse of My Credit Information Dear CFPB, I am writing to file a formal complaint concerning the misuse of my credit information, which has negatively affected my financial standing and peace of mind. 
I discovered that my credit information was accessed/used without my consent by Equifax and XXXX. This unauthorized use of my credit information has led to denial of credit, harassment from creditors, etc. 

Details of the situation are as follows : - unauthorized credit inquiries, fraudulent accounts opened in my name I have already taken the following steps to address this issue : Despite my efforts, I have not received a satisfactory resolution. I am requesting that the CFPB investigate this matter and take appropriate action to protect my rights and ensure that my credit information is handled properly. 
Thank you for your attention to this serious matter. I look forward to your prompt response regarding the steps that will be taken to investigate my complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
I was notified that a collection account was added to my credit report. I have no recollection of this collection and I have never been contacted about this. I am living in the same apartment complex as of today and for the past XXXX plus years, and I have amcible relationship with management staff. My rental account is current without outstanding past due debt, and with the up-to-date contact info but never received any notification, email or phone, about the alleged debt. I believe that the alleged debt was incurred by others in the complex but mistakenly assigned to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Block, Inc.
State: CA

Complaint narrative:
I've had many unauthorized transactions with Cash app and they have failed me. Not once did they find my dispute valid when in fact many were valid. They couldn't even present me with a letter of their actual findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: KS

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation