vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NC

Complaint narrative:
In XXXX of XXXX, I was offered and took advantage of a XXXX month interest free period. Running from XXXX of XXXX till XXXX of XXXX. Prior to the start of that interest free period, I had XXXX out my balance with Discover. However, they charged me interest for XXXX months after that period and I requested a breakdown and explanation for that both verbally and through emails to their executive email address in XXXX and XXXX of XXXX. They repeated did not provide that information. I also inquired as to why they began to charge me interest prior to the end of the interest free period of XX/XX/XXXX. They were unable to answer that. I also requested information on how they applied my payments. They referred me and supplied me with their terms and conditions. However, that was not sufficient information, since the terms and conditions are vague and just state that they can apply payments at their discretion. I requested that they breakdown how they applied that discretion from XX/XX/XXXX through current billing period. They refused to provide that information. Ultimately, they are not being transparent about the methods that they use to apply their discretion. They repeatedly told me that if I wanted to reduce my balance that I would have to make payments above the minimum payment. However, what they failed to do was to closely look at my account. Every single month, and on average, I did in fact make payments above the minimum payment. However, those payments were not applied to the highest/oldest balance. 

The last phone call I had with XXXX of their representatives, I specifically requested that they provide the related information, however, their representative was unable to provide that information. I did inform their representative that I would be filing appropriate complaints and taking social media action as well. She acknowledged that she understood what my next steps would be, however, would not be able to provide the information that i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax Address Correction Letter XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Date : XX/XX/2025 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request to Correct Inaccurate Address Information on My Credit File Dear Equifax Consumer Relations, I am writing to formally notify Equifax that my current address is being reported incorrectly on my credit file. The address currently associated with my credit report is an old address and is no longer valid. 

My correct and current address is : XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX This address is verified by my recent utility ( light ) bill, which I have enclosed as proof of residency. 

I attempted to correct this information through Equifaxs online dispute system ; however, the website does not provide an option to explain or dispute this specific address issue, which has prevented me from resolving it electronically. As a result, I am submitting this request in writing. 

Legal Basis for Correction Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer credit files.

Additionally, 15 U.S.C. 1681i ( a ) provides consumers the right to dispute inaccurate or incomplete information and requires the credit reporting agency to conduct a reasonable reinvestigation and correct any inaccuracies. 

Reporting an outdated or incorrect address is inaccurate personal identifying information and may adversely affect my ability to exercise my consumer rights.

Requested Action I respectfully request that Equifax : Remove the outdated address from my credit file, and Update my records to reflect my correct current address listed above.

Please confirm in writing once this correction has been completed. 

For verification purposes, I have enclosed copies of the following documents : Government-issued photo ID Utility ( light ) bill showing my current address Thank you for your prompt attention to this matter. I look forward to your timely response as required by federal law. 

Sincerely, XXXX XXXX Enclosures : Copy of Photo ID Copy of Utility ( Light ) Bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone called me claiming that bank employees were working with scammers to steal peoples money. They said someone was impersonating me and advised me to withdraw my money and give it to them, promising they would return it the next morning. Honestly, I dont even know how I fell for it, but I did. They actually came to my house to pick up the money. The police are now looking for the car involved because it was caught on camera. Looking back, I realize how trusting I was. The bank says I authorized the withdrawal, which is partly true, but it doesnt change that I was scammed. I havent been allowed to explain everything because it all happened so fast, and now they sent me a letter holding me responsible for the whole thing. 
I assume the bank finds me responsible since I provided my PIN, but I had no idea they were transferring from my credit line to make a withdrawal and give them the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this complaint regarding multiple accounts with XXXX  XXXX, including accounts ending in XXXX with a balance owed of {$1300.00}, XXXX, XXXX, and XXXX XXXX XXXX as well as XXXX XXXXXXXX XXXX XXXXXXXX, all of which reflect either inaccurate balances or unresolved disputes. Despite notifying XXXX  XXXX of these discrepancies, they have failed to correct or investigate the reported balances in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666 Correction of Billing Errors, and 1666a Creditors Restrictions During Dispute. Furthermore, XXXX XXXX has not met its obligations under FCRA 611 ( 15 U.S.C. 1681i ) to dispute inaccurate information with credit bureaus, nor have they complied with 623 ( a ) ( 2 ) Duty to Correct and Update, and 623 ( b ) Furnishers Duty to Investigate, leaving my credit report reflecting erroneous information that negatively impacts my creditworthiness. I request that the CFPB investigate XXXX XXXX  failure to accurately report and correct these accounts, ensure proper updates to the credit bureaus, and confirm that all disputes are properly resolved according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am reporting identity theft. The accounts listed on my credit report do not belong to me and were opened fraudulently without my knowledge or authorization. I did not apply for, use, or benefit from these accounts. 

Despite disputing them as identity theft, the accounts continue to be reported, which violates the Fair Credit Reporting Act. I am requesting immediate deletion ( blocking ) of all fraudulent accounts, not reinvestigation, and written confirmation once removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: DISCOVER BANK
State: IL

Complaint narrative:
I am reporting identity theft. The accounts listed on my credit report do not belong to me and were opened fraudulently without my knowledge or authorization. I did not apply for, use, or benefit from these accounts. 

Despite disputing them as identity theft, the accounts continue to be reported, which violates the Fair Credit Reporting Act. I am requesting immediate deletion ( blocking ) of all fraudulent accounts, not reinvestigation, and written confirmation once removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: WA

Complaint narrative:
I am disputing a collection account reported in connection with a XXXX auto insurance policy. The reported balance is inaccurate and not owed. 

In XX/XX/year>, after my vehicle was stolen and later recovered with damage, I contacted XXXX to discuss the claim. During that call, XXXX asked whether other licensed drivers lived in my household. I stated that my parents lived in the household but had their own insurance and that I did not authorize adding them to my policy. I explicitly refused permission to add them and stated I would cancel my policy if they were added. 

Despite this, XXXX later added my parents as drivers without my consent. On XX/XX/year>, I received conflicting premium change notifications on the same day : one reflecting an approximately {$800.00} decrease and another reflecting an approximately {$85.00} increase. 

XXXX XXXX XXXX reached out to XXXX on XX/XX/year> with a cancellation date of XX/XX/year>. XXXX responded on XX/XX/year> that my insurance was successfully cancelled on XX/XX/year>. They stated that a refund of approximately {$200.00} would be issued. 

On XX/XX/year>, I was notified that an adjusted balance of approximately {$450.00} was overdue. XXXX stated this balance resulted from drivers being added to my policy and my alleged failure to submit an exclusion form for drivers I never authorized to be added. 

I disputed the charge with my bank, and the transaction was refunded. After the refund and policy cancellation, XXXX generated a retroactive adjusted balance and placed the account into collections. 

I disputed the collection with the credit reporting agencies. The account has been removed from at least one credit bureau, while Experian continues to report the collection as disputed by consumer, demonstrating inconsistent reporting of the same alleged debt. 

This balance arose from unauthorized policy changes and billing errors, not from nonpayment of a valid, agreed-upon obligation. I am requesting correction of records and removal of the collection from all credit reports.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On my credit report for my XXXX XXXX XXXXXXXX XXXX on the reports it is saying i disputed the information that I settled for less than the full amount, and it should not be on remarks at all. I never settled with this card which was opened in XX/XX/year> and it can affect my score saying this in the remarks. It should be removed.

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 2025-12-15 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing a complaint regarding unresolved fraud involving my Citi credit card rewards account. 

In approximately XXXX, 2025 an unauthorized party accessed my Citi rewards account and redeemed my rewards without my authorization. I reported this to Citi promptly and have contacted Citi numerous times over this year seeking resolution. 

Despite repeated assurances that the issue was being investigated, Citi has taken no corrective action. I am repeatedly transferred between Citi Card Services and Citi Rewards, with neither department taking ownership of the case. I have not received a written resolution, a case owner, or restoration of the stolen rewards. 

This issue has now been outstanding for nearly a year. Citis failure to resolve unauthorized rewards redemption and its lack of follow-through have caused ongoing inconvenience and financial loss. 

I am requesting that Citi formally investigate this matter, restore the stolen rewards, assign a single point of contact, and provide written confirmation of resolution.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
The account is showing open accounts by low. Once it has been canceled or discharged or charged off or on any activities should be seized immediately and report correct information. Therefore, I'm asking to delete my information because the invalations of the laws. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: TN

Complaint narrative:
I was contacted by Fox Collections late XX/XX/XXXX. I sent a dispute to Fox XX/XX/XXXX by certified mail. I have not heard anything from Fox about my dispute until this month XX/XX/XXXX. I got alerts that my credit had been hit. XXXXXXXX XXXX XXXX  I immediately emailed Fox stating the debt has not been validated. I disputed with XXXX. Few days later I get another alert that they have now hit XXXX. Disputed with XXXX and then a hit on XXXX a day or 2 later. Fox then sends me an email after I have now emailed them 3 times a letter from their client XXXX XXXX XXXX In this email sent by XXXX XXXX to Fox it acknowledges the no hot water and their maintenace portal being unreliable. XXXX XXXX sent me a final balance in XX/XX/XXXX that I disputed due to no hot water for 45 days XX/XX/XXXX through XX/XX/XXXX. I still had to pay full rent during this time but could not wash dishes do laundry or bathe myself or my XXXX children in the home. I also went without XXXX from XX/XX/XXXX through move out XX/XX/XXXX. The house temperature ranged from as low as XXXX degrees upwards of XXXX upon move out. XXXX XXXX claims they did not receive my move in inspection form. I turned that in XX/XX/XXXX. I also emailed them my copy in XX/XX/XXXX as they were charging me for things that were already damaged upon move in as well as other falsified charges. I disputed the final bill and was basically met with oh well by XXXX XXXX. The final bill XXXX XXXX sent me does not match what they sent Fox collections. Fox is claiming XXXX service fee. In my dispute to Fox I sent emails and pictures of the habitability violations. Asking family and friends for 45 days if I could come and bathe myself and XXXX kids. They also have pictures dated and timestamped through the 3 months with no HVAC of the thermostat. Maintenance request i submitted through XXXX XXXX XXXX. Screenshots of numerous txts messages about the water and HVAC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime closed my account without providing a reason, refused to allow escalation to a supervisor, and terminated the call after I requested escalation. I was also told I can not open a new account. I am requesting a written explanation for the closure and confirmation of how and when my remaining funds will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am no lomger collecting benefits from the state of north carolina. I moved my business amd i to XXXX and i hae had my XXXX  XXXX in the bank for almost a year i need my address updated. I need them to manually updste it to mybnew address : Old address : XXXX XXXX XXXX XXXXXXXX, nc XXXX XXXX addeess : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca 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