vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XXXX XXXX, my credit card was charged {$1600.00} by XXXX XXXX XXXX XXXX I did not authorize this charge, as I was hospitalized for XXXX XXXXXXXX when my residence was burglarized. I contacted Chime to request a replacement card and to seek a refund of the unauthorized transaction. Following the filing of a police report, the individual responsible for the break-in was apprehended and subsequently sentenced. Despite these circumstances, Chime has continued to deny my request for a refund after the theft of my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: IL

Complaint narrative:
I send a letter to the CRA, to verify the reported bankruptcy place on my credit report, ( see attachment ) the information is both incorrect and was not reported by the bankruptcy court, and in addition the case number on my report is in correct. As of todays date I have not received a response from the CRA its been over 60 days since I mailed the letter requested information. 

The incorrect information has harmed my ability to obtain credit if allowed will continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this formal complaint regarding Capital Ones ongoing and unlawful treatment of my account, including a denial of service, improper restriction of my credit access, and discriminatory document requests related to my personal circumstances.

On a recent call with Capital One, I was informed that I could not be served or assisted further simply because I recorded the call on my end. While I understand Capital One may have internal policies regarding call recordings, I also have the XXXX both federal and most state one-party consent lawsto record calls where I am a party. More importantly, the denial of customer support and service because I was recording the call represents a violation of consumer rights and potentially discriminatory conduct.

In addition to this refusal, Capital One has : Restricted my account and access to credit without proper resolution or justification. 
Demanded XXXX months of unrelated bank statements, proof of residency, and government ID, despite the fact that I am currently experiencing homelessness and am unable to provide a utility bill or lease.

These requests disproportionately affect unhoused individuals and may amount to a discriminatory barrier to service under the Equal Credit Opportunity Act ( ECOA ), 12 CFR 1002.2, which defines credit as the right granted to defer payment or purchase services. I have the right to credit and equal access regardless of housing status or economic hardship. 

Capital Ones failure to offer any alternative solutions or accommodationsdespite my good faith attempts to resolve the matter and verify my identityraises serious questions about compliance with consumer protection statutes, including : ECOA ( Regulation B ) The Consumer Financial Protection Act regarding unfair, deceptive, and abusive acts or practices ( UDAAP ) The Civil Rights Act, if this policy is selectively enforced

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
Someone stole my identity and used XXXX to buy goods

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
Someone stole my identity and used XXXX to buy goods

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this supplemental statement to provide additional evidence and assert an additional violation by Equifax Experian and Transunion regarding my credit report disputes assertion of 15 USC 1681 p and 4 violation upon further review I discovered that all three agencies violated 15 USC 1681 p and four by failing to maintain reasonable procedures to prevent the reappearance of previously deleted inaccurate information on my credit reports this supplemental statement asserts an additional violation of 15 USC 1681 p and or and provides further evidence of credit bureau wrongdoing I request that cfpb to investigate and take appropriate actions against all three agencies complaint XXXX XXXX next to XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
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 2025-04-27 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
I QUALIFIED FOR A REFINANCE ( Loan XXXX ) WITH ROCKET MORTGAGE IN THE AMOUNT OF XXXX. MY ISSUE IS I HAVE A XXXX XXXX XXXX BUT MY INTEREST RATES ARE XXXX. 

XXXX OF MY WHITE MALE NEIGHBORS GOT THE SAME KIND OF LOAN AND HIS INTEREST RATES ARE XXXX AND HIS CREDIT SCORE IS XXXX. 

I FEEL THAT THIS IS CRITICAL RACISM AND I KNOW MY INTEREST RATE SHOULD NOT BE THIS HIGH!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B - 15 USC 1692A - 15 USC 1692A-3 - 15 USC 1692A5 ACCOUNTS : XXXX XXXX XXXX XXXX - Account number - XXXX Date opened : - XXXX XXXX, XXXX - Balance : - {$18000.00} XXXX XXXX - Account number XXXX XXXX Date opened : XX/XX/XXXX - Balance : {$110.00} XXXX XXXX - Account number - XXXX Date opened : XX/XX/XXXX - Balance : - {$770.00} XXXX  - Account number - XXXX XXXX opened : XX/XX/XXXX PAID OFF XXXX  XXXX - Account number - XXXX Date opened : XX/XX/XXXX PAID OFF XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX  - Account number - XXXX Date opened : XX/XX/XXXX - Balance_- {$740.00} XXXX XXXX  XXXX - Original creditor : XXXX XXXX XXXX Account number - XXXX Date opened : XXXX XXXX, XXXX - Balance- {$900.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had a Macys credit card for years. I always pay the outstanding balance in full and have never paid interest. 

I just received a statement where I was assessed a {$29.00} late fee on a payment that was made on XX/XX/XXXX and was due XX/XX/XXXX. 

That payment and a return I made on XX/XX/XXXX ( 26 days before the payment due date ) brought the account balance to XXXX. 

I called Macys and they agreed to credit the late fee as a one time courtesy and explained that returned merchandise is credited to the next statement cycle. This sounds fraudulent to me. Why would I want a credit balance? 
Returns should be applied to the balance immediately.

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 2025-04-27 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: SC

Complaint narrative:
I am filing this complaint against Equifax, Experian and Transunion for reporting XXXX XXXX XXXX and its agent XXXX XXXX XXXX XXXX for their unlawful credit reporting and failure to cease communications as required by federal law. I have never owed any debt to XXXX XXXX XXXX. I have never given XXXX XXXX XXXX or XXXX XXXX XXXX XXXX written permission or authorization to report my personal information to any consumer credit reporting agency. I recently sent a formal Cease and Desist Letter to XXXX XXXX XXXX, expressly stating the following : I do not owe your company any money and I will not pay your company any money. You must immediately cease any and all collection activities, including but not limited to any credit reporting to any consumer reporting agency bearing my name. Under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer sends a written notice to a debt collector refusing to pay and requesting no further communication, the debt collector must cease all communications, including indirect communications like credit reporting. However, despite this clear notice, XXXX XXXX XXXX continues to improperly report inaccurate and unauthorized information on my Equifax, Experian, and TransUnion credit files. This conduct is a direct violation of 15 U.S.C. 1692c ( c ) and a serious invasion of my privacy 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 2025-04-27 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: SC

Complaint narrative:
I am filing this complaint against Equifax, Experian and Transunion for reporting XXXX XXXX XXXX and its agent XXXX XXXX XXXX XXXX for their unlawful credit reporting and failure to cease communications as required by federal law. I have never owed any debt to XXXX XXXX XXXX. I have never given XXXX XXXX XXXX or XXXX XXXX XXXX XXXX written permission or authorization to report my personal information to any consumer credit reporting agency. I recently sent a formal Cease and Desist Letter to XXXX XXXX XXXX, expressly stating the following : I do not owe your company any money and I will not pay your company any money. You must immediately cease any and all collection activities, including but not limited to any credit reporting to any consumer reporting agency bearing my name. Under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer sends a written notice to a debt collector refusing to pay and requesting no further communication, the debt collector must cease all communications, including indirect communications like credit reporting. However, despite this clear notice, XXXX XXXX XXXX continues to improperly report inaccurate and unauthorized information on my Equifax, Experian, and TransUnion credit files. This conduct is a direct violation of 15 U.S.C. 1692c ( c ) and a serious invasion of my privacy 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 non-monetary relief
Consumer complaint received 2025-04-27 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:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : credit collection Account Number : XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name
of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to
promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
Got phone call with message, called back says I owe them something from XXXX ago, I have no recollection of this, said if I dont pay it will be judgement of bank fraud, and threatened to show up at employment, and will be on my credit report for XXXX  years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America allowed a unauthorized transaction on my account and when I disputed it, my claim was denied.

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 2025-04-27 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: AZ

Complaint narrative:
I have disputed inaccurate and fraudulent information on my TransUnion credit report, but the issues persist. Specifically, there is an account reported by XXXX XXXX that does not belong to me. The details of the account are as follows : Furnisher : XXXX XXXX Account Status : Closed Repossession Balance : {$210.00} Despite submitting documentation to TransUnion, including a police report regarding identity theft and proof of my identity, the fraudulent account remains on my credit report. I also submitted a formal dispute requesting that this account be removed, but TransUnion has failed to conduct a reasonable reinvestigation, instead relying on unverifiable information from the furnisher without an independent review. Additionally, I have not received a full disclosure of my credit file as required under the Fair Credit Reporting Act ( FCRA ). 

This continued inaccurate reporting has caused significant damage to my creditworthiness and has led to financial loss, emotional distress, and harm to my reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: AR

Complaint narrative:
During the course of XX/XX/year>, XX/XX/year>, and XX/XX/year> I sent Equifax, XXXX, and XXXX consumer reporting agency ( s ) several disputes regarding incorrect an or inaccurate information reporting on consumer report that included accounts listed as XXXXXXXX XXXX  and XXXX XXXX. Equifax is the only consumer reporting agency that has failed to respond to my disputes after serveral attempts. Equifax has violated the FCRA by not responding within 30 days. It has now been over 30 days and Equifax still has not provided any response regarding my dispute. I was sure to include a copy of my drivers license, ss card, and a current vill with my dispute to assure identity validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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