vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: GA

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

1681c-2 ) that you, the Equifax Information Services , 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. 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 : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX XXXX - Account Number : XXXXXXXX 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 : {$130.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been charged interest for XXXX  months in a row now. On XXXX I was charged {$0.00} interest for an account balance of {$1.00}. 
The prior month i was charged {$0.00} for an account balance of {$20.00}. I understand the balance isnt " Paid in full '' however across multiple account some of which are with Citi, I always leave XXXX  XXXX {$20.00} for a remaining balance and have never been charged interest. NEVER. They charged me XXXX XXXX interest on a {$1.00}. 
I have called them multiple times to resolve this matter as well as a different matter and have gotten XXXX results. I have asked the company multiple times to hard close my account and have gotten XXXX response. Typically they did not talk nor respond to my requests when I do so. I got an email from them the other day saying they have reached oyt to me multiple times to discus. NO THEY HAVENT. i haven't received a single phone call from CITI.

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 2025-07-07 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: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 explanation
Consumer complaint received 2025-07-07 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received an email that a hard inquiry was on my credit that lowered my credit score. It was reported on XX/XX/2025... Capital One ran my credit. I DID NOT authorize a credit run on XX/XX/2025. I already have two active capital one cards. I spoke with a rep and she asked have I recently applied for a home, a loan, or anything of that nature and I assured her 1000 % I HAVE NOT APPLIED FOR ANYTHING. She put me on hold and looked in the system and confirmed what I already knew, which was " she saw NO NEW ACTIVE ACCOUNTS FOR ME AND SHE IS NOT SURE WHY MY CREDIT REPORT IS SAYING THAT. '' I requested XXXX  do an investigation into the matter and was informed that this was an accurate file. It can't be accurate if I never authorized Capital One to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint because American Express has repeatedly refused to properly investigate my billing dispute for a {$36000.00} charge to XXXX XXXX  for goods that were materially misrepresented. 

Transaction details : - Merchant : XXXX XXXX  - Date : XX/XX/year> - Amex Dispute Reference : XXXX Key facts : I attended an auction advertised as selling government seized property. Law enforcement later confirmed this claim was false advertising. The merchant also materially misrepresented the goods sold : - Jewelry sold as 18K gold was actually 14K gold ( certified appraisal ). 
- Diamonds sold as VS clarity were actually SI1SI2. 
- Tourmaline described as watermelon was standard bi-color. 
- Artwork described as original lithographs were inexpensive prints. 
- These discrepancies were confirmed by certified appraisals. 

I submitted extensive evidence to American Express including : - Certified appraisals proving misrepresentation - A law enforcement letter refuting the government seized advertising - Proof the auctioneer permanently surrendered his XXXX XXXX license for false advertising - A formal legal summary letter American Expresss handling : Amex originally denied my dispute citing only the merchants all sales final policycompletely ignoring the misrepresentation evidence. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), all sales final terms do not excuse billing errors for goods not as described.

Their own Cardmember Agreement states billing errors include charges for goods and services you did not accept or that werent delivered as agreed. 

When I called to escalate, Amex agents claimed they cant investigate fraud or misrepresentation because they are just an intermediary, directing me to law enforcement. This is a misapplication of the FCBA, which requires card issuers to resolve disputes about goods not as described. 

After repeated escalation, Amex has now confirmed they are reopening the dispute under Not as Described, which is the correct classification.

I am filing this complaint to ensure CFPB oversight, as I want to ensure Amex fully and fairly investigates all evidence this time and complies with its obligations under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: LA

Complaint narrative:
Dear CFPB, I am submitting this complaint against Equifax for reporting false and unverifiable information on my credit report, despite my prior efforts to request an investigation and correction. Equifax has continued to harm my credit profile by failing to comply with their responsibilities under the Fair Credit Reporting Act ( FCRA ). 

Specific Issues : Wrong Address Listed XXXX XXXX XXXX XXXX, XXXX  XXXX I have never resided at this address. Equifax is reporting this location without my consent or any proof of association. This violates FCRA 609 ( c ) ( 2 ) and 602A, which protect consumers from the reporting of false identifying information and invasion of privacy. 

False Late Payment XXXX  XXXX Account # : # XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$0.00} * * This account is inaccurately reporting a late payment, despite my full compliance with the terms. Equifax has failed to provide any proof from the furnisher verifying the derogatory reporting. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 611, which require that only accurate and verifiable information be reported. 

Unauthorized Hard Inquiry XXXX  Inquiry Date : XX/XX/XXXX This inquiry was not authorized by me. I did not apply for credit with XXXX and there is no permissible purpose under FCRA 604. Equifax is required to delete any inquiry that can not be verified or tied to a legitimate credit application. 

Requested Relief : I am requesting the CFPB assist in compelling Equifax to : Remove the inaccurate address from my file Correct or delete the late payment reported by XXXX XXXX Delete the unauthorized XXXX hard inquiry Provide a written confirmation of all changes These violations have caused me measurable harm and stress. Equifax has failed to comply with federal law and has not fulfilled its duty to ensure accurate, complete, and verifiable credit reporting. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
Beginning of issue XX/XX/year> until present ( unresolved ) The loan Servicer Mohela was not operational so I had to wait 3 months to submit my documentation for Teacher Student Loan Forgiveness which I have met all the requirements for and have provided that documentation. They failed to notify me when there was a missing signature I had to call it took 6 hours on hold and I still was given incorrect information. I called the XXXX and they told me to call my loan servicer as they were responsible for this. Myself and my husband called Mohela back and I was finally told that there was a missing signature ( an entire year later they NEVER notified me! ) meanwhile the loan was not reduced and interest is still accruing. I sent in the corrected paperwork in XXXX and still have no response or application from Mohela or XXXX on when they will correct my balance! I have spent at least XXXX hours on my time and my husbands time ( a member of the XXXX XXXX ) in addition to the 5 years of service at a Title I school which is what is required for Teacher Loan Forgiveness. Please Help! I will also be contacting a lawyer as I can not get any response to the status of my Loan Forgiveness while the loan continues to accrue interest and shows as debt that I owe. This should have been applied an entire YEAR AGO. I will be grateful to any direction or assistance you can offer in resolving this issue.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-07 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: NJ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-07 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-07 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-07 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: NJ

Complaint narrative:
I am filing this complaint to dispute inaccurate and unauthorized personal information currently appearing on my credit report. The file is showing the address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which is incorrect. My correct and only address is XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, and I am requesting this update be made immediately. Additionally, the name variation XXXX XXXX is being reported, which is not my legal name and must be removed. My full legal name is XXXX XXXX XXXX XXXX. These items were reported without my knowledge or authorization and do not accurately reflect my identity. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of all reported information. Under 15 U.S.C. 1681b, all reported data must serve a permissible purpose. These are violations of federal law and may result in penalties for willful or negligent noncompliance under 15 U.S.C. 1681n.

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 2025-07-07 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: OH

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am seeking your help to begin an investigation into the accounts listed below, which are inaccurately appearing on my credit report. As outlined under USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all necessary documents to support this request. Furthermore, there are inconsistencies in how the information is reported among the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
b'Identity Theft Block Request (15 U.S. Code  1681c-2)\n\nI am requesting the immediate blocking and removal of all information related to accounts that were opened or used fraudulently, as permitted under 15 U.S.C.  1681c-2. I am a victim of identity theft and have filed a report with the FTC and completed an Identity Theft Affidavit, which I can provide upon request.\n\nUnder this law, you are required to block this information within four business days of receiving notice and proper documentation. I demand the immediate removal of all fraudulent data and a confirmation of compliance with this statute.\n\n\n\n\n\n\n\n\n\n\nStatement of Identity Theft Incident:\n\nI am a victim of identity theft. Multiple fraudulent accounts have appeared on my credit report that I did not authorize, open, or use. These accounts were created using information that was stolen from me, possibly due to the Equifax data breach, where my personal information was compromised. I have no knowledge of these accounts, I did not live at the addresses they are associated with, and I never applied for or consented to these credit lines or loans.\n\nThese fraudulent accounts have caused significant damage to my credit report and personal records. I am requesting that these accounts be blocked from all reporting under my name and that any data furnishers be notified of the identity theft claim.\n\n\n\nFRAUDULENT ACCOUNTS\n\nCreditor Name\tAccount # (Last 4)\tType\tBalance\tDate Opened\tReason Disputed\nXXXX XXXX XXXX XXXXtAccount opened without my authorization\nXXXX XXXX XXXXIdentity theftopened at an address not mine\nXXXX XXXX XXXX\tDebt buyer collecting on fraudulent debt\XXXX XXXXtInstallment\tN/AXXXX\tUnknown lender, fraudulent account\nXXXX XXXX XXXX\tReported delinquency on fraudulent account\nXXXX XXXX\tInstallment\tN/AXXXXraudulent application\nXXXX XXXX XXXXXXXX XXXXtUnauthorized account, opened by someone else\nXXXX XXXX XXXX XXXXtNot mine, repeatedly disputed\XXXX XXXX XXXX\tOpened fraudulently\nXXXX XXXX XXXX\tSecured LoanXXXX\tSecured loan opened without my consent\XXXX XXXX\tUnauthorized small-balance account\n\n\n\n\nADDITIONAL DETAILS\n\t\tThese accounts were not opened at my current address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\n\t\tI never authorized or applied for any of these credit lines.\n\t\tSome of these accounts are in collections, charged off, or listed with inaccurate payment history.\n\t\tI am providing this FTC Identity Theft Report to support my dispute and block these entries under 15 U.S. Code  1681c-2.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
I am writing to request the correction of a late payment reported on my credit profile. This entry is inconsistent with my financial practices and has come as a complete surprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — Store credit 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: ME

Complaint narrative:
POST FOR CONSUMERS DO NOT GET A BESTBUY CITIBANK CARD.

I am getting messages from Citibank that I owe money for something I did not purchase. I learned that they switched my son 's BestBuy account over to my name for reasons I do not understand. I have called 3 months in a row and each month I get a different story on what is going on. Last month they were to close my account and credit my account for the fees they had charged. And today I get another message from CitiBank that my Best Buy account is past due and I owe {$8.00}. and change. I am now on the phone trying to correct. Now I was just told that the fee is mine and I need to contact XXXX and she hung up on me. i don't even own an XXXX XXXX. 
I believe BestBuy and CitiBank have a legitimate scam going on. If you end up in this position there is NO WAY TO RESOLVE IT. You get overseas help that can not speak XXXX and they say anything to pretend they are resolving the issue. BestBuy will NOT help and CitiBank can not even be reached.??????

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