vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: VA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my XXXX  loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I activated Chase offer for 10 % off for XXXX XXXX before the transaction date on XX/XX/scrub>/2025, but Chase insisted I activated the offer after the transaction date and didn't give me the credit for that 10 % off. 
The amount of the transaction is {$670.00} on XX/XX/scrub>/2025, and the merchant 's name is XXXX XXXX, which is a hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: LEXISNEXIS
State: MS

Complaint narrative:
I received a credit alert from 3 separate sources regarding the furnishing of information regarding my consumer report. Department of Education XXXX XXXX published deceptive information on my consumer report about my explicit or written consent which is a form of identity theft against me. Department of Education XXXX XXXX also violates consumer laws in the publishing of non public personal information. Department of Education XXXX XXXX violates Federal Due process procedural laws by uploading unverified information in affidavit signed under penalty and perjury that gives them the authority to steal my persons name and information and publish non-public personal information about XXXX XXXX. I Filed an Identity theft report with FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CBC Companies, Inc.
State: MS

Complaint narrative:
I received a credit alert from 3 separate sources regarding the furnishing of information regarding my consumer report. Department of Education XXXX XXXX published deceptive information on my consumer report about my explicit or written consent which is a form of identity theft against me. Department of Education XXXX XXXX also violates consumer laws in the publishing of non public personal information. Department of Education XXXX XXXX violates Federal Due process procedural laws by uploading unverified information in affidavit signed under penalty and perjury that gives them the authority to steal my persons name and information and publish non-public personal information about XXXX XXXX. I Filed an Identity theft report with FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XX/XX/year>, I discovered that autopay had been silently disabled on my Destiny credit card account following the companys transition to a new mobile app platform. This change occurred without any notice, consent, or alert to me as a cardholder. As a result, a {$12.00} fee ( on what was otherwise a {$0.00} balance ) went unpaidnot due to neglect, but because I had relied on the previously enabled autopay feature, which had worked consistently prior to the platform change. 

Despite the minor amount, XXXX  reported the {$12.00} as a delinquency to the credit bureaus, which negatively affected my credit score. At no point was I notified of the fee or given a chance to resolve the balance before the delinquency was reported. 

I immediately contacted XXXX customer service for clarification and to dispute the charge. I was informed that XXXX  has no claims, dispute, or injury department, and was told there was no formal process to investigate or resolve the issue. Despite this, XXXX  later mailed me a notice stating an investigation was resolved, though they had previously stated that no investigation team existed. This contradiction raises serious questions about the legitimacy and transparency of their internal processes. 

This situation constitutes : Improper and undisclosed changes to account payment settings Failure to notify the consumer of a pending fee or potential delinquency Lack of access to a fair dispute or investigation process Misleading communications about internal procedures Disproportionate harm to my credit score over a negligible fee I am requesting that the CFPB investigate Destinys handling of customer accounts and credit reporting, and require them to : 1. Correct the credit bureau reporting and remove the delinquency 2. Remove the {$12.00} fee from my account 3. Provide clear documentation of how autopay was disabled without my consent 4. Establish or reveal a working dispute resolution process This mishandling has damaged my credit profile and undermined trust in XXXX services. I believe this constitutes deceptive and negligent business practices, and I urge the CFPB to take appropriate 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) mandates that all consumer reporting agencies, including credit bureaus like XXXX, Experian, and TransUnion, report accurate and fair information on a consumer 's credit history. Specifically, it requires them to report information in a timely manner, and it gives consumers the right to dispute and correct any errors on their credit reports. Further more, all inacuracies, must be delete and or removed from the comsumer credit file. 
Here is a confirmation from XXXX itself that they do report to all 3 credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Back to XXXX Welcome! 
A place where you can easily find solutions and ask questions CREDIT BUILDER ACCOUNT Does XXXX  report to all three credit bureaus? 
XXXX XXXX, XXXX Yes, we report each month to the three major credit bureaus : Experian, XXXX, and TransUnion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see XXXX XXXX XXXX However, in this case, we are witnessing an inaccuracy in that there is no 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 2025-04-14 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: MA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
I ordered a package of XXXX from XXXX in the amount of {$15.00} that says delivered on the tracking, However I never received item. Possibly neighbors steeling mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Payfare International Inc.
State: FL

Complaint narrative:
I was charged for a XXXX XXXX annual subscription through XXXX that I did not sign up for, I made this clear to XXXX several times that others have my account and I did not sign up for it. I was charged {$96.00} for it and when I realized this I cancelled the subscription immediately which I will show the cancellation screenshot, I then reached out to XXXX and was told by them that I used the services so I wont be getting a refund and this is not true. I tried to dispute the charge with XXXX XXXX and was told the transaction does not qualify for a refund and I was very upset. I tried to reach out to XXXX again after this and was told by a representative I will be getting a refund finally which I will show a screenshot of the conversation. Few days passed by and I still didnt get a refund, I asked XXXX what was going on and a representative told me finally I wont be getting the refund promised after all which should be illegal because I was literally promised and received a confirmation email, I will show screenshots of the representative telling me I wont be getting a refund as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
The company is inaccurately reporting an account to the credit bureaus. The pay status is listed as Paid in full/was a charge-off, the high balance is reported as {$390.00}, terms are listed as $ XXXXmonth, yet the payment schedule shows bi-weekly payments for 13 months. This information is contradictory and violates FCRA, XXXX XXXX, and XXXX credit reporting guidelines. An account can not simultaneously be marked as charged-off and paid in full, nor should it reflect XXXX terms while showing active payments. This type of reporting violates FCRA 1681s-2 ( b ), FDCPA, and XXXX XXXX standards. Continued reporting of such false data after resolution constitutes willful noncompliance. I request an immediate investigation and action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am disputing a false late payment reported for XX/XX/XXXX on my mortgage account with Nationstar Mortgage / Mr. Cooper. This account was under a federal disaster/government plan from XX/XX/XXXX to XX/XX/XXXX, during which no delinquencies should have been reported. 

Despite submitting a formal dispute, the account was verified without correction. This violates FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ), 1681s-2 ( b ), and XXXX XXXX guidelines. It also violates TILA 1637 ( b ) for failing to provide a billing notice 21 days prior to due date. 

I am invoking my right under FCRA 605B and have attached a full dispute letter, sworn affidavit, declaration of harm, and supporting documents. 

I am demanding deletion of the XX/XX/XXXX late payment or the entire account. If this is not resolved, I will pursue full damages in court. 

This complaint is specific to this account only. It is filed in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a follow up of my previous complaint. wells fargos substitute trustee XXXX was not the original trustee on the mortgage on my home, it was XXXX XXXX XXXX XXXX service wells fargo filed paper work with XXXX XXXX XXXX claiming that XXXX  was the original trustee, thats fraud, the nod was filed in court on XX/XX/year> by XXXX  before XXXX  was even named as substitute trustee they filed their paperwork on XX/XX/year> which is also fraud. I have all the paperwork to prove everything. we had the money to bring the loan up to date and they would not accept it and i have proof of that also. the stole my families home and i want paid for my lose.

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 2025-04-14 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: NM

Complaint narrative:
I am filling this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern 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 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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I sent some crypto currency to XXXX. Mind you this XXXX account belongs to me and i have only used it XXXX time. They allowed the money to be sent in after charging me nearly {$10.00} to habe it sent to their platform. But when the time came to send my money to my bank XXXX made me sell the crypto currency and then it automatically got sent from my XXXX XXXX account to my cash XXXX account. Charged another fee to do that. Well now it's time to get the money into my bank account and they tell me my account is temporarily frozen. I've called, emailed, chatted. U name it and without explanation there is not a way in the universe to obtain my fund or even spend them from the XXXX app. They won't even let me send the money via XXXX plus that XXXX, and it's sister company Pay Pal have. I don't understand if my account was frozen then don't accept fees out of the crypto after having it sent to your platform, don't collect fees on the selling and storage of the cash after the crypto was sold. The money should never been accepted into a " frozen '' account period. It wasn't frozen when XXXX could stand to make whatever money they chose to make. But too frozen to allow me to access my own money. It's downright theft. And I can't one human to discuss solutions or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$390.00XXXX XXXX XXXX XXXXXXXX Balance {$310.00} XXXX XXXXXXXX Balance {$490.00} XXXX XXXX XXXXalance {$24000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My personal information was exposed in a data breach and I don't know the creditors of the accounts listed below. But Experian and TransUnion refuses to remove these accounts from my credit report. 

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 non-monetary relief