vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: CITIBANK, N.A.
State: MT

Complaint narrative:
I reported my XXXX  credit card stolen on or about XX/XX/year>. All charges made on XX/XX/XXXX and thereafter were not authorized by me. I cancelled my card, but XXXX transferred the fraudulent charges to my new card. XXXX  demands {$440.00} and refused my disputes stating " We have completed our fraud investigation based on the information available. Since you participated in the transaction with the merchant by providing them with your card, we have determined that your card was not used fraudulently. 
As a result, we have re-billed your account and consider this matter resolved. '' I was not present, nor did I participate in any way with these fraudulent transactions. My card was stolen, and I am reporting this to law enforcement.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I am submitting this complaint to request immediate compliance with my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I am formally requesting that Chex Systems : Provide a Full Consumer Disclosure Report This includes all information in my file, including archived, suppressed, and secondary database records, as well as the source and method of verification for each item reported. 

Provide Documentation of Original Contracts For each account listed on my file, I am requesting copies of any original, signed Master Promissory Notes or legally binding agreements from each furnisher. If such documentation can not be produced, the account must be deleted as unverifiable. 

Remove Any Inaccurate, Duplicate, or Unverifiable Accounts Chex Systems is obligated to ensure maximum possible accuracy under FCRA 602 ( A ) and to promptly delete any information that can not be verified under FCRA 1681i ( a ).

I am also placing Chex Systems on legal notice that if this request is not fulfilled within a reasonable time, I will escalate this matter by filing complaints with the XXXX XXXX XXXX  ( XXXX  ) and the Federal Trade Commission ( FTC ).

This complaint seeks immediate compliance, transparency, and the lawful removal of any unverifiable or frivolous accounts from my 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 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc.
State: TX

Complaint narrative:
XXXX contacted me months ago about a debt I supposedly owe to them. A few months later i was contacted by BENUCK RAINEY that they have the rights to the debt and were looking to collect on that debt. I told them I had no knowledge on owning a debt with them. I have done numerous disputes along with validation request which the company has not provided. 
ACCORDING TO THE FAIR CREDIT REPORTING ACT ( FCRA ) BENICK RAINEY YOU ARE IN TOTAL VIOLATIONS OF MY RIGHTS. YOU ARE PRODUCING INACCURATE, FALSE CREDIT, AND MISLEADING REPORTS THAT WILL CAUSE HARM TO MYSELF. SUCH A VIOLATION WILL LEAD TO BOTH CIVIL AND CRIMINAL PENALTIES AGAJNST YOU. PLEASE REMOVE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am disputing a XXXX late payment reported by XXXX  XXXX  XXXX XXXX XX/XX/year>. I submitted a dispute to Innovis with supporting evidence, but Innovis did not properly investigate. Instead of conducting an independent review, Innovis simply asked XXXX  XXXX XXXX, who said it was " verified. '' That is not a real investigation. Under the FCRA, Innovis is required to review all relevant information I provided, but they failed to do so. This is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: PA

Complaint narrative:
Hello i been trying months to block a fraudulent account that is reporting on my credit report. I had sent out letters to the equifax and they keep telling me me the account is coming back verify but don't mail me any proof of verification. i had sent in a identity theft report and proof that my information was compromise in an data breach. Under Fair Credit Reporting Act all information should be accurate and fraudulent accounts must be block. 

Account : XXXX XXXX XXXX Account # XXXX Please put an block on this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied for the Walgreens Credit Card in-store ( WALGREENS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX ). 

While my primary complaint involves misleading promotional offers ( separate filing XXXX ), I have a second major concern : - On XX/XX/year>, Synchrony Bank performed a hard credit inquiry through XXXX, which showed my credit score as XXXX. 

- Despite this excellent credit standing, I was assigned an APR of 30.99 %, which is closer to subprime lending rates. 

- The terms of the card, including APR, were not clearly disclosed before the inquiry or final approval, as the application process required entering my SSN on the payment terminal with limited explanation from the store associate. 

This raises concerns about potentially unfair or deceptive lending practices and lack of transparent disclosures during the in-store application process.

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 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) for {$420.00}, XXXX XXXX Department of education loans in XX/XX/XXXX under the account numbers ( XXXX ) for {$3900.00} and {$4800.00}, and a Sezzle account in XX/XX/XXXX ( XXXX ) for {$870.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I disputed all said items

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 2025-08-03 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) for {$420.00}, XXXX XXXX Department of education loans in XX/XX/XXXX under the account numbers ( XXXX ) for {$3900.00} and {$4800.00}, and a Sezzle account in XX/XX/XXXX ( XXXX ) for {$870.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I disputed all said items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX is reporting a charged-off account on my credit report while simultaneously attempting to collect on the same debt. This practice is misleading and may be unlawful under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to the information reflected on my credit report, the account in question has been charged off. However, I have not received any documentation from XXXX XXXX XXXX verifying that they legally own the debt, that the original creditor officially charged it off, or that it was reported to the IRS as a loss. If the debt has truly been charged off and reported as such for tax purposes, then continued collection attempts raise significant legal concerns. Furthermore, XXXX XXXX XXXX continues to update the account status and balance on my credit file, which could constitute inaccurate or misleading reporting under the FCRA. 

Under 15 U.S. Code 1681s-2 of the FCRA, furnishers of information ( like XXXX XXXX Services ) are required to ensure that the data they report is accurate, complete, and not misleading. Reporting an account as charged off while continuing to pursue collection without furnishing adequate documentation contradicts these legal obligations. 

I have previously requested validation of the debt and supporting documentation regarding the charge-off, including any IRS reporting forms ( such as a 1099-C, if applicable ), but XXXX XXXX XXXX has failed to respond. As such, I am requesting the Consumer Financial Protection Bureau to investigate this matter and determine whether XXXX XXXX XXXX is in violation of the FCRA or FDCPA.

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 2025-08-03 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: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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 you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXXXX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NJ

Complaint narrative:
UPON ME LOOKING @ MY CREDIT REPORTS I NOTICED ACCOUNTS THAT WERE OPENED FRADULENTLY IN MY NAME AND ALSO HARD INQUIRES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
UPON ME LOOKING @ MY CREDIT REPORTS I NOTICED ACCOUNTS THAT WERE OPENED FRADULENTLY IN MY NAME AND ALSO HARD INQUIRES

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
I am submitting this complaint to request immediate compliance with my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I am formally requesting that TeleCheck Services : Provide a Full Consumer Disclosure Report This includes all information in my file, including archived, suppressed, and secondary database records, as well as the source and method of verification for each item reported. 

Provide Documentation of Original Contracts For each account listed on my file, I am requesting copies of any original, signed Master Promissory Notes or legally binding agreements from each furnisher. If such documentation can not be produced, the account must be deleted as unverifiable. 

Remove Any Inaccurate, Duplicate, or Unverifiable Accounts TeleCheck Services is obligated to ensure maximum possible accuracy under FCRA 602 ( A ) and to promptly delete any information that can not be verified under FCRA 1681i ( a ).

I am also placing TeleCheck Services on legal notice that if this request is not fulfilled within a reasonable time, I will escalate this matter by filing complaints with the XXXX XXXX XXXX XXXX XXXX  ) and the Federal Trade Commission ( FTC ). 

This complaint seeks immediate compliance, transparency, and the lawful removal of any unverifiable or frivolous accounts from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
Complaint Summary : I am requesting the removal of a closed account and all credit inquiries from my credit reports that are harming my ability to qualify for a home loan. 
Details of the Issue : The account is with XXXX XXXX ( private loan company ) and is also tied to previous collection agencies. This account has been closed. but still appears on my Experian credit report. I have disputed it three times with Experian, but it remains. 
The continued reporting is inaccurate and unfairly damaging my credit score in violation of the Fair Credit Reporting Act ( FCRA ). In addition, there are multiple credit inquiries appearing on my credit reports that are lowering my score unnecessarily and should be removed.

What I Want Done : 1. Remove the closed XXXX XXXX account from my credit report. 
2. Remove all related collection account entries.

3. Remove all credit inquiries from my credit reports.

Previous Actions Taken : Submitted three disputes to Experian ( dates : XX/XX/year>2025, XXXX 2025, and XXXX 2025. with no resolution. 
Contacted Experian by phone and in writing. 
Provided supporting documentation showing the account is closed. 
Impact : These inaccuracies and excessive inquiries are preventing me from qualifying for a home loan and are causing financial hardship. 
________________________________________

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian dropped my XXXX over XXXX points. I arranged with XXXX to pay off the remaining balance after my auto lease finished about {$400.00}, paid the monthly agreed to amount on time ( I have a letter from XXXX confirming this ) and then after the agreed to arrangement was finished as per the agreement XXXX XXXX dropped XXXX points only on the Experian report. XXXX  remained at XXXX, and XXXX  remained at XXXX. I have requested my Experian  score return to over 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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have had a checking account with Bank of America since XXXX and have never been charged a monthly maintenance fee until recently. Starting around XX/XX/XXXX, Bank of America began charging me {$25.00} per month without any prior notification. These charges continued for 11 months, totaling {$270.00}. 

I contacted Bank of America on XX/XX/XXXX, to request that the fees be refunded. The representative acknowledged the charges but only agreed to refund XXXX months worth of fees ( {$50.00} ), despite my request for a full refund of all 11 months. 

I was not notified that these fees would begin, nor was I given the opportunity to change my account type or take action to avoid them. I have been a long-time customer and was previously a XXXX XXXX client, during which these fees did not apply. I believe this fee change lacked transparency, and Bank of America has been unwilling to provide a full refund despite the circumstances.

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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have not used my XXXX XXXX Amex XXXX since XX/XX/year>. I cancelled the card at the end of XX/XX/year>. That was a few days outside the 30 cancellation period so Amex charged me the {$250.00} annual fee even though there was a XXXX balance and I had not used the card. In XX/XX/year> I asked Amex to waive the {$250.00} fee since the account was closed. They refused since it was outside the XXXX cancellation period. I asked again on XXXX XXXX and the customer representative again refused.

Company response to consumer: Closed with explanation