vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On Monday morning XX/XX/XXXX I received messages from my credit account monitors that I had activity on me credit bureau. I have these because back in XXXX my identity was stolen through XXXX XXXX XXXX breach, so I am very active in protecting my credit and protecting the credit company. I looked into it and found a hard pull on record. At that point I called the company and asked if they had pulled the record, they stated that I needed to speak with the fraud department. I spoke with a gentleman that when asked about it he was being very evasive, so I explained the reason for the call and he immediately stated that I was refusing the charges to my credit card and I said no and that the charges from XX/XX/XXXX I was the person that made that charge and recited the total on the account.

He continued with the same story and proceeded to close the account.

I have made a number of calls to get the matter resolved but to no avail.

I have received 2 notices from the company, one was by message through my credit card account and the other was by letter.

I have included the letter that was mailed to my home and on that letter it talks about a credit denying or stopping a transaction, that is not true at any time. I have been able to use the card at any time that I elected.

The notice that was sent to me came through the message board on the website. That letter I can not retrieve as they don't allow access to my messages.

As I am writing this I again tried to resolve the matter with the company and they told me that I am not eligible to have the account reopened and I will receive a letter via U.S. mail within 10 to 15 day

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 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was having XXXX XXXX XXXX due to an XXXXXXXX XXXX XXXX XXXX, I went to XXXX XXXX and they told me they could fix it and that most of it would be covered by my insurance, I gave them two insurances to charge and then they told me the remainder could be paid with care credit. When they showed me the paper the lady said oh it looks like a lot but it will go way down we promise once it goes through your insurances. Once all was done I had a total of {$1500.00} left to pay, mind you I had been trying to contact the office to speak to billing and they never answer or return my call. I no longer live in FL so I can not just go to the office, I call the XXXX number and they give me the run around. They lied to me about the medicine being covered and when I found out no one from the office would call me back. I found out they did not submit to my insurance correctly and they never sent the bill to my Father 's insurance and now all of a sudden my bill went up to {$2600.00} there is no way I can keep up with these payments and this company completely lied to me since I was young and now they ignore my calls and my moms calls. DO NOT GO TO XXXX XXXX they are liars and they steal your money!

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 2025-06-17 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$3500.00} Open Date XX/XX/XXXX, XXXX Balance : {$190.00} Open Date XX/XX/XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TN

Complaint narrative:
I sent a debt validation letter on XX/XX/year> and a formal cease and desist letter on XX/XX/year> ( with tracking ). The company ( Afni Inc. ) has not provided debt validation but continues to call me daily in violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) and 1692g ). Im requesting investigation and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XXXX department store credit card managed by Comenity. I purchased a sweater online, returned in the store, purchased the same sweater in the store and then returned to the store, so no merchandise kept. When my statement arrived, I assumed the credits had not yet been applied and did not pay. The next month, the credits were applied, but not in full. In addition, late fee of {$37.00} added. Called Comenity multiple times to clarify and was transferred many times and told just to pay the bill. I finally paid the shipping fees of XXXX approximately to clear the bill. I have received as many as 5 calls/day with voicemail messages to contact Comenity. I called again and was told to go to the store to get the full credit applied, which I did. The store clerk said she could not do it and referred me back to Comenity. Comenity adds $ XXXX  monthly to my statement and has reported to the credit bureau. I filed disputes with each credit bureau regarding Comenity prior to their report. Initial purchase was XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the following items from my credit report : - ADDRESSES : - XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENTS : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am absolutely furious about the blatant errors on my credit report! These unauthorized hard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  NOT mine, and I demand they be removed immediately. Its outrageous that such inaccuracies are tarnishing my reputation!

Furthermore, theres false bankruptcy information that was illegally sold to Equifax without my knowledge or consent. This is completely unacceptable and downright unlawful. I am sickened that my private information has been mishandled in such a reckless manner.

I demand these incorrect entries be corrected without delay. Update my credit report now and send me an official, accurate copybecause I will not stand for this negligence any longer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : XXXX XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DEPTEDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Experian regarding inaccurate reporting of a XXXX XXXX account on my credit file. Experian responded stating that the information had been verified. 

In accordance with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I submitted a follow-up letter on XX/XX/year>, requesting the method of verification, which legally entitles me to know the procedure Experian used to verify the disputed information, including the name, address, and telephone number of the furnisher.

Instead of responding to this request as required, Experian improperly initiated a new dispute on XX/XX/year> into the account. On XX/XX/year>, I sent a second letter to clarify that this was not a new dispute, but a demand for the method of verification as outlined under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency has 30 days to conduct a reinvestigation of a dispute and under 15 U.S.C. 1681i ( a ) ( 6 ), they must provide the consumer with written results of the reinvestigation within 5 business days of completion. Most critically, under 15 U.S.C. 1681i ( a ) ( 7 ), if the consumer requests the method of verification within 15 days of receiving the reinvestigation results, the bureau must provide the requested information within 15 days of receiving the request.

Experian failed to comply with this 15-day requirement and never provided the method of verification as requested. As of XX/XX/year>, I sent a final letter demanding deletion of the disputed information due to Experians failure to comply with these statutory requirements.

To date, Experian has not fulfilled its legal obligation to provide the method of verification or remove the account, and is now in clear violation of the FCRA. I respectfully request the CFPB investigate this matter and hold Experian accountable for its noncompliance.

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 2025-06-17 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Netspend Corporation
State: NY

Complaint narrative:
This report is regards to PayPal XXXX XXXX. I made a dispute regarding a transaction that was under {$10.00} in XXXX and PayPal XXXX wants me to wait months until XXXX for a dispute that was under {$10.00}. No other bank makes you wait months for a dispute {$10.00}.

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 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Cliff Lending Inc. d/b/a Advance Loan Solutions
State: FL

Complaint narrative:
I received a consumer installment loan from Advance Loan Solutions ( formerly XXXX ) on XX/XX/year>, for {$1300.00}. The company disclosed an APR of 604.57 % with a total repayment amount of {$6100.00}. I reside in Florida, where the legal interest rate is capped at 30 % APR. This loan is clearly in violation of state usury laws. The lender claims tribal immunity to avoid state oversight. I am requesting relief, including cancellation of the interest charges and for collections to stop. This loan is abusive, and I believe the company should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I previously disputed the account listed below, but my credit report still shows inaccurate and incomplete information. Im now formally requesting a description of the procedures you used to investigate this account. As required by law, you must provide this within 15 days of receiving this letter. If you cant verify the accuracy or dont respond, the account must be removed. Please refer to the attached letter from my earlier dispute. I look forward to your response.

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 2025-06-17 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: RI

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00}

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOB : [ Insert DOB ] SSN ( Last 4 ) : XXXX Date : XXXX Subject : Formal Request for Removal of Inaccurate Personal Information To Whom It May Concern : I am formally requesting the immediate removal of all inaccurate, outdated, and unauthorized personal information from my report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) which mandates that only complete and accurate information be reported.

Please Remove the Following Inaccurate Personal Data : * Incorrect Names : * XXXX XXXX * XXXX XXXX XXXX * Outdated Addresses : * XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( any variation ), XXXX, FL XXXX * XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX * Incorrect/Old Phone Numbers : * ( XXXX ) XXXX * ( XXXX ) XXXX * Any emails not listed below Only the Following Information Is Accurate and Should Remain : * Name : XXXX XXXX XXXX * Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : ( XXXX ) XXXX * Email : XXXX This personal information update request is being made in accordance with FCRA 1681i ( a ), which requires prompt correction or deletion of inaccurate or unverifiable data.

Please process this request and confirm all deletions in writing. I am exercising my rights under federal law, and failure to comply may result in formal complaints to the CFPB, FTC, and my State Attorney General. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 2025-06-17 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: MO

Complaint narrative:
I paid XXXX XXXX XXXX in full for a collection account originally from XXXX. XXXX confirmed the balance is {$0.00} and that the account is being closed and deleted from my credit report. However, they stated this could take up to 50 days. The continued reporting of this collection is harming my ability to secure housing and transportation. I am asking that the CFPB ensure XXXX immediately removes the account from all credit bureaus as previously confirmed.

Company response to consumer: Closed with non-monetary relief