vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UMB FINANCIAL CORPORATION
State: NV

Complaint narrative:
I use the XXXX XXXX credit card to purchase gold fro XXXX because it offers XXXX  % back on purchases. I made a large purchases totaling over {$22000.00} and I am entitled to {$990.00} in rewards at the close of my CC statement XX/XX/year>. I paid my balance in FULL of {$24000.00} for the month of XXXX statement. I have never carried a balance. I was NOT issued the {$990.00}. 

I called customer service to release the funds-cash back at which point they have refused. 

The reason for the urgency is these cash rewards can only be used as cash to buy gold on XXXX. The price of gold rises day over day and I am losing money. 

I have followed every step required in the credit card agreement and have paid my balance in full and early. I have lost money because of these funds being withheld due to mishandling of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I was contacted by a salesman at XXXX XXXX XXXX after I suffered a house fire and had an open claim I believe that XXXX  gave them my information as the salesman proceeded to tell me I could not keep my hail damage car and had to purchase another one from them at an outrageous rate of {$7000.00} more than the retail price of the current vehicle at 18 % interest and not informing me that my house fire was on my credit report they did not do a new credit application and they did not inform me of the high interest rate or that they were charging me {$7000.00} more than the current rate of that vehicle upon notifying them that I was not happy with the deal they said they could not rewind the deal and had no explanation for why they charged me {$7000.00} more than the retail price or why I had such a high interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The fraudulent accounts currently appearing on my credit report are not mine and must be deleted without delay. I did not authorize or open these accounts, and their presence is false, misleading, and unacceptable.

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 2025-09-25 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: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMMONS FIRST NATIONAL CORPORATION
State: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-25 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I ordered an expensive package from an online company and they delivered it to the wrong address despite having my correct information. 
Upon contacting the company to report I did not receive it they apologized and advised there was nothing they can do since the tracking number showed a successful delivery. I then contacted the carrier who sent me ( POD ) proof of delivery. The picture of the POD showed a home that was not mine. I attempted to reach out to the carrier but they had no phone number or email on their website only an AI chatbot that repeated the same thing " that the tracking number showed successful delivery. '' I noticed on the POD there were listed coordinates where the package was delivered. I entered the coordinates into XXXX XXXX  and found an address near my neighborhood. I contacted the local police department to see if I can reach the person who received my package. The local police department made contact with the person who received my package. the individual claimed they did not keep my belongings but they placed it at their mailbox area on the floor unsecured with a note that said wrong address. The police did not have any evidence to disprove their claim, and wrote me a report for missing/stolen property and advised me to file a dispute with my bank. I filed numerous disputes with my bank uploading all of the information including the coordinates where my package was delivered, and a police report confirming the person admitted to receiving my package. My bank despite me already explaining to them the merchant ( while apologetic ) refuses to refund me denied my dispute because they said " the merchant should refund me. '' I have since called numerous times to speak with a supervisor at the bank and while every person I speak to is understandable and agrees this justifies a valid banking dispute their dispute department continues to deny my claim, failing miserably to protect me as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 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 am contesting items reported under my name that correspond to accounts I did not authorize. Please review meticulously and delete them. Documentation is attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts that are currently being reported under my name. These accounts do not belong to me, were never authorized by me, and are entirely false. Their inclusion is misleading, harmful, and a violation of my right to accurate reporting. These fraudulent entries have tarnished the accuracy of my credit report and unfairly reduced my creditworthiness. They do not reflect my actual financial history, and their continued presence creates undue harm and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: DC

Complaint narrative:
Case XXXX It's almost as if you guys didn't really understand what I was asking for. My information was used on your platform, I don't know if stolen, photoshopped, hacked or what but ive never had any transactions with you guys that I've done on purpose. When I try to search for my account on robinhood with my ssn & dob, it brings me information that's not mine, the number, email, etc, not mine. My point being, someone else used my information to transact with you guys. 

I contacted you guys some years ago after receiving tax statements from my accountant shocked about crypto taxes and gains over XXXX usd that you reported to the IRS. After speaking with someone at robinhood in the XXXX department, they acknowledged the fraud and told me they have deleted the account and took action to remove this reporting of crypto taxes and gains from the IRS. 

Now, I never received an update from you guys about the following except that you guys will take care of that for me. Now I am asking if you guys did do the following or you still have that income reported to the irs since it was fraudulent activity that occurred and none of that income was mine. Please respond back to me through my email, XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
I object to the inclusion of items reflecting accounts created without my authorization. Please complete a thorough examination and expunge them. Supporting documents are enclosed.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-09-25 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: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
I got a loan through XXXX XXXX for XXXX equipment in XX/XX/year>. There was a XXXX  month interest free promotional period where payments went directly to the principle. After this period they started charging over {$3.00} per diem on top of the agreed 12.9 % interest rate. I have read the contract and there is no mention of a per diem rate. Additionally I was told by the company that the per diem would be for the entire duration of the loan but would decrease over time. I have never missed a payment, have paid 33 % of the loan down, and the per diem rate has not adjusted more than a cent or XXXX. I am currently paying over 50 % in interest each month and my statement estimates I will have paid over double the loaned amount by the end of the loan ( XXXX  years ). I would not have agreed tl the loan if XXXX XXXX XXXX would have been transparent about the per diem charges.

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 2025-09-25 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-25 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: Williams, Rush & Associates, LLC
State: DE

Complaint narrative:
I had an account with XXXX over 6 years ago. They sold to a collections agency that was reporting an amount of {$1500.00} to my credit for about 3 years than was removed 2 years ago. This same account has been sold to multiple collection companys over the past 2 years. In XX/XX/XXXX, XXXX reported this account to my XXXX  credit as a new collections account in the amount of {$1500.00} and with an opening date of XX/XX/XXXX which was inaccurate. I disputed that account and had it removed ( will attached proof ). Now here we are in XXXX and this account is now under William Rush Associates with a balance of {$1500.00} ( which is different from the amount in the emails ) and an opening date of XX/XX/XXXX reporting as a new collections account on my XXXX  and XXXX. I have disputed this with XXXX  and XXXX  and asked that this item be removed for inaccuracy and re-aging which violates FCRA. I have emails dating back to XX/XX/XXXX ( because thats when I first had the collections account removed ) of multiple companys who have bought this account trying to collect on it so not understanding why its stating this was opened in first XX/XX/XXXX and now XX/XX/XXXX. XXXX  is refusing to remove this account, stating accuracy but have not provided proof and will not allow me to dispute this again. And now I can not even log into my XXXX  account. It is stating that my account is suspended.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I respectfully challenge items in my file associated with accounts I did not establish. Please investigate in detail and eliminate them. Relevant materials are enclosed.

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 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WV

Complaint narrative:
I am submitting this complaint regarding a charge of {$180.00} ( {$150.00} + {$21.00} ) made on Sunday, XX/XX/year>, at XXXX XXXX  for an XXXX XXXX replacement service that failed to achieve the result for which I contracted and paid. 

On Sunday, XX/XX/year>, at XXXX XXXX, the same date and time the charge was applied to my account, I brought my XXXX to a repair facility for a battery replacement. The technician agreed to accommodate me despite the stores closing time. I paid {$150.00} for a service to provide a properly functioning battery capable of holding a charge, which was the agreed-upon deliverable. 

Following the first installation, the battery continued to drain rapidly, rendering the device substantially impaired and unusable for its intended purpose. The technician attempted to shift liability onto me and attempted to upsell a replacement device rather than remedy the deficient service. 

I returned in cold weather conditions with my nine month old infant and two year old toddler to give him a second chance to correct a proper battery replacement since that was his offer to fix the issue. Despite the second installation, the battery remained defective, and the device did not function as represented. This demonstrates nonperformance of the contracted service and caused undue hardship and inconvenience. 

I did not submit this dispute immediately because I was unaware at the time that disputing the charge through Chime was an available and valid option. I only recently became informed of this process and am now exercising my right to dispute a charge for a service that was not properly completed. 

I paid a total of {$180.00} for a service that was incomplete and deficient, resulting in economic harm, personal inconvenience, and undue hardship. 

XXXX Response and Deficiency : Chime denied my dispute, asserting that no error occurred. This determination is arbitrary, capricious, and inconsistent with applicable consumer protection laws, including Regulation E, which obligates financial institutions to investigate and remediate claims regarding improperly processed transactions. I fully authorized the charge, but the service for which I paid was not rendered as contracted, making the denial unjustifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
The reported item does not align with my payment history and appears erroneous. Kindly review and amend it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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